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HDFC Bank Regalia Credit Card Review

Pranav Pranav Follow Sep 16, 2019 · 6 mins read · 0 comments
HDFC Bank Regalia Credit Card Review

HDFC Bank Regalia Credit Card is a premium offering from HDFC Bank and is probably the most popular one. This card comes with some of the exciting features like lower foreign currency markup, Priority Pass membership, access to international and domestic airport lounges, Zomato Gold membership, travel concierge, insurance cover etc. The default reward rate on this credit card is 1.3% which accelerates to 13% with SmartBuy 10X program.

Eligibility Criteria

Regalia is a premium credit card and hence eligibility criteria is also suited for premium segment.

  • Age: 21 to 60 Years for salaried, 21 to 65 Years for self employed
  • Salaried: Net Monthly Income > Rs. 1.2 Lakhs per month
  • Self Employed: ITR > Rs. 12 Lakhs per annum

HDFC is very strict about the eligibility criteria for issuing new cards. However, the exceptions can be made based on your relationship with bank.


HDFC Bank Regalia Credit Card comes with following fees:

  • Joining fee: Rs. 2,500 + GST
  • Renewal fee: Rs. 2,500 + GST

Renewal fee is waived off if spend in previous year is more than 3 Lakhs. Most of the time, joining and renewal fee is waived off if you have a good standing relationship with HDFC Bank.


HDFC Bank Regalia Credit Card comes with host of features and benefits to match premium lifestyle.

Welcome & Renewal benefits

  • 2,500 welcome reward points, ~ Rs. 1,250
  • 2,500 renewal reward points, ~ Rs. 1,250

HDFC compensates 50% for joining and renewal fee for this card by providing bonus reward points.

Reward Points

  • 1 reward point = Rs. 0.50 if used for booking hotels and air tickets at dedicated portal
  • 1 reward point = Rs. 0.20 if redeemed for cash
  • 1 reward point ~ Rs. 0.20 if used for redeeming from reward catalogue
  • 4 reward points per Rs. 150 spent, 1.3% reward rate
  • 10X rewards on Smartbuy (Amazon, Flipkart, Hotels & Flights), 13% reward rate
  • Monthly cap on reward points: 5000 bonus reward points on Smartbuy
  • Reward points can be converted to AirMiles across Jet Airways (JPMiles) or Singapore Airlines (KrisFlyer Miles) in 2:1 ratio (2 Reward Points = 1 AirMile)

10X rewards, though temporary, keeps on getting extended every month.

Airport Lounge Access

HDFC Bank Regalia Credit Card comes with Priority Pass memberships for primary as well as add-on card members. The limits for domestic and international airport lounge access is outlined below:

  • 6 complimentary lounge access outside India using Priority Pass
  • 12 complimentary lounge access within India using Visa/MasterCard Cards

Above limit is shared between primary and add-on card members and for domestic airport lounge access, both cards can’t be used on same day at same lounge. For domestic airport lounge access, complimentary access can be availed by swiping credit card, however for international, complimentary access can be availed only on swiping Priority Pass.

Spend Based Milestones

  • 15,000 Reward Points on annual spends of Rs. 8,00,000 or more in each anniversary year
  • 10,000 Reward Points on annual spends of Rs. 5,00,000 or more in each anniversary year

You can achieve a reward rate of 2.2% by spending Rs. 8 Lakhs in a year, which is quite decent.

Zomato Gold Membership

HDFC Bank Regalia Credit Card provides complimentary Zomato Gold Membership in first year of card membership. However cardmembers need to spend Rs. 75,000 within first 90 days of card setup to be eligible for this membership.


  • Air Accident Cover of Rs. 1 Crore
  • Emergency Overseas Hospitalization Cover of up to Rs. 15 Lakhs
  • Credit Liability Cover of up to Rs. 9 Lakhs

Other benefits

  • Low Foreign Currency Markup of 2%
  • 15% discount at partner restaurants
  • 24/7 Travel Concierge Services for making airline reservations, booking a hotel room or a movie.
  • Convenience fee waiver of 1% on all fuel transactions


HDFC Bank Regalia Credit Card ticks almost all check boxes, however there are some limitations too:

  • Primary and add-on cardmembers can’t access same domestic lounge on same day
  • Bad conversion rate of rewards points to cash when compared with travel and hotel bookings
  • Low monthly upper cap on earning bonus reward points using SmartBuy 10X program


Even with it’s little nuances, HDFC Bank Regalia Credit Card is a solid product, and probably HDFC Bank’s most successful one. International lounge access to both primary and add-on card members can come in handy during vacations. Low foreign currency markup of 2% is just cherry on the cake. If you’re offered this card from HDFC Bank, go for it without hesitating.

Fees 3/5
Rewards 4/5
Features 5/5
Overall 4/5

HDFC Bank Regalia Credit Card was my primary driver, before I switched to Yes First Exclusive Credit Card. I was able to acquire Yes First Exclusive Credit Card owing to generous credit limit of HDFC Bank Regalia Credit Card. I still use this card for 10X rewards on SmartBuy when I have exhausted the monthly limit of bonus reward points on my HDFC Bank Diners Club Black Credit Card.

How has been your experience with HDFC Bank Regalia Credit Card? Let me know in comments below.

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Written by Pranav Follow
Hi, I am Pranav! I love to acquire, review and earn reward points/cashback from Credit Cards. Guiding people about benefits and optimal utilization of credit cards for years.
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