HDFC Bank
Signature · Regalia
HDFC Bank Regalia Credit Card
HDFC Bank
All-round travel & rewards with low forex markup
Annual Fee
₹2,500
Joining Fee
₹2,500
Reward Rate
0.9%
Forex Markup
2%
Value Analysis
Annual Net Value
₹22,050
Total Annual Benefits
₹25,000
Total Annual Charges
₹2,950
ROI
747%
Fee Waiver Available
Annual fee waived on spending ₹3 Lakh in the preceding year — ₹3,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (2)
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year
- • Spend ₹1 Lakh per quarter to unlock
8 visits/year
₹20,000/yr
International Lounge Access
6 complimentary international airport lounge visits via Priority Pass
- • Available for primary + add-on cardholders
6 visits/year
₹21,000/yr
Travel Benefits (1)
Low Forex Markup
Only 2% currency markup on international transactions
2%
Reward Points (1)
Reward Points on All Spends
4 Reward Points per ₹150 spent on all retail purchases
4 RP per ₹150
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Concierge Services (1)
Concierge Services
24/7 global personal concierge services
Included
Reward Program
Program
HDFC Reward Points
4 RP per ₹150
Effective cashback: 0.93%
Points expire: 2 years from date of accrual
Redemption Options
- → Flights & Hotels via SmartBuy (1 RP = ₹0.50)
- → Air Miles (1 RP = 0.5 air mile)
- → Products & Vouchers (1 RP = up to ₹0.35)
- → Cashback (1 RP = ₹0.20)
Milestone Bonuses
10,000 bonus reward points on spending ₹5 Lakh annually
Spend ₹5,00,000 annually
10,000 Reward Points
Additional 5,000 bonus reward points on spending ₹8 Lakh annually
Spend ₹8,00,000 annually
5,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹2,500 Excluding GST |
| Annual Fee | ₹2,500 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹1,80,000
- Min. Annual Income
- ₹18,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹1.5 Lakh
- • Self-Employed: ITR > ₹18 Lakh p.a.
- • Age 21–60 (salaried), 21–65 (self-employed)
Insurance Coverage
Accidental Death
₹1.0 Cr
Permanent Disability
₹1.0 Cr
Travel Insurance
₹15.0 L
Lost Card Liability
₹9.0 L
Report within 24h
Air Accident Cover
₹1.0 Cr
- • Air accident cover: ₹1 Crore
- • Emergency hospitalization: ₹15 Lakh
- • Credit liability cover: ₹9 Lakh
Airport Lounge Access
Domestic
8 visits/year
2 per quarter
~₹2,500/visit
International
6 visits/year
Via Priority Pass
~₹3,500/visit
Dreamfolks Priority Pass
- • Domestic: 2 visits per quarter on spending ₹1 Lakh per quarter
- • International: Via Priority Pass for primary + add-on cardholders
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹4,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility SmartBuy accelerated rewards Dining privileges via Swiggy Dineout
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The HDFC Regalia Credit Card is a mid-premium credit card offering comprehensive travel benefits including Priority Pass lounge access, low forex mark...
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