HDFC Bank Regalia Credit Card Review

HDFC Bank Regalia Credit Card Review

The HDFC Bank Regalia Credit Card is a deluxe and wholesome credit card that offers rewards for traveling, purchasing, dining, and more. The HDFC Bank Regalia credit card is ideal for those who want a massive return on all their expenditures in the form of reward points while also reducing travel costs. Here you can also check hdfc indianoil credit card review & hdfc millennia credit card benefits.

Users gain points by using this credit card, which increases the card’s value and serves as the credit card’s primary function. Here is our review of the HDFC Bank Regalia credit card, where we delve deep into the pros, cons, rewards, cashback, and more. We attempt to answer the question of whether you should get one for yourself or not?

Fees and Charges

Joining FeeRs 2,500 plus taxes
Annual FeeRs 2,500 plus taxes
Interest Rate3.49% per month

Pros & Cons

  • Up to INR 15 lakh in insurance coverage for emergency international hospitalization.
  • Liability insurance for lost cards is available up to Rs 9 lakh.
  • Complimentary access to 12 airport lounge visits in India and six visits internationally.
  • The foreign currency markup is only 2%.
  • In an anniversary year, you’ll get a bonus of 10,000 Reward Points for spending Rs. 5 lakhs and an extra 5,000 HDFC Bank Regalia Reward Points for spending Rs. 8 lakhs.
  • For every Rs.150 spent (on all retail* purchases), you’ll get 4 Reward Points.
  • If you misplace your HDFC Bank Regalia Credit Card, you have no obligation for any fraudulent transactions done on your HDFC Bank Regalia Credit Card if you notify the 24-hour call centre immediately.
  • If the yearly fees is waived, the 2500 reward points earned when paying for the membership are forfeited.
  • You cannot take out EMIs on gold or any other type of jewellery.
  • Only a few cities in India are covered by the complimentary Dineout Passport Membership, making it restricted to few.

Rewards and Cashback

HDFC Bank Regalia is known to be quite rewarding in terms of points.

  • Every Rs 150 spent on the HDFC Bank Regalia Credit Card earns you 4 reward points.
  • When you spend Rs 5 lakhs, you get a bonus of 10,000 reward points, and when you spend Rs 8 lakhs, you get an extra 5,000 reward points.
  • HDFC credit card offers provide complimentary access to 12 airport lounge visits in India and six visits outside the country, as well as other perks.
  • Flights and hotel reservations via Smartbuy at a value of 1 RP = Rs 0.5 Airmiles conversion.
  • HDFC Bank Regalia Credit Card provides up to Rs 1 crore in air accidental death coverage and up to Rs 15 lakh in emergency foreign hospitalization coverage.

Who Should get an HDFC Bank Regalia Credit Card?

  • You intend to spend a decent amount of money with this credit card (as you will earn good reward points)
  • You travel frequently and would want complimentary access to airport lounges in India and across the world.
  • You make a lot of purchases in foreign currency and would like to save money on foreign exchange fees.

Eligibility Criteria

HDFC Bank Regalia credit card eligibility is one of the most straightforward and simplest processes, especially if you are an existing HDFC Bank customer.

1. Age

  • If you are a salaried individual – 21 years to 60 years.
  • If you are a self-employed individual – 25 years to 65 years.

2. Occupation

  • Self-employed Individuals
  • Salaried individuals

3. Income

  • Salaried- More than Rs 1 lakh per month.
  • Self-employed- More than Rs 1 lakh per month.

4. Location

You should be living and working in one of the serviceable pin codes on HDFC Bank’s website.

5. ID Proof (any one of the following)

  • PAN Card
  • Aadhaar Card
  • Voter ID
  • Driving License
  • Passport
  • According to the bank’s request, documents stating income, address, and identity must be presented.

HDFC Bank Regalia Credit Card Ratings

Source: HDFC Bank

Cashback and Rewards: 4/5

Fees and charges: 3/5

Eligibility: 3/5

Overall: 3.4/5


HDFC Bank Regalia Credit card lost its name & fame as it went through a series of devaluations in recent times but now HDFC has added a fresh set of incentives to bring it back to prominence. On the whole, HDFC Bank Regalia is great for folks who like to travel by air, shop online (ideally via foreign websites because of the foreign currency markup benefits), and for the complimentary Dineout Passport membership.

If you are looking for a more premium credit card in the VISA stable, get the HDFC Infinia credit card. It gets you premium benefits alongside a high reward rate. Additionally, you can get an HDFC Indian Oil credit card (review) to go along with the Regalia, for additional returns on fuel spending.


What is the limit of Regalia credit card?

While there is no official limit from HDFC Bank, the credit limit on the Regalia credit card is usually between Rs 2-5 lakhs.

How do I earn reward points on Regalia Credit Card?

To earn reward points on your Regalia credit card, you can make regular transactions for dining, shopping, travel bookings, and more. Please remember that no points will be awarded for fuel and wallet transactions.

Do I earn reward points for international flight bookings made using Regalia Credit Card?

Yes, in fact you can earn accelerated reward points when you make international flight bookings on HDFC Bank’s SmartBuy portal, using your Regalia credit card.

Can I recharge my mobile on the Regalia online platform?

Yes, you can recharge your mobile using your Regalia credit card, across platforms like Paytm, PhonePe, and more.

How can I make payments for the HDFC Regalia card?

You can choose from several payment options like netbanking, UPI, cheque deposit, cash deposit, and more to pay your HDFC Regalia credit card bill.

I misplaced my Regalia credit card. What do I do?

If you misplaced your Regalia credit card, the first step is to cancel your credit card using netbanking or phonebanking. Go into Cards and click on Credit Card Hotlisting. Choose the credit card you want to hotlist, select reason, and choose the reissue option if you want.

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