Credit Cards · Honest Review

HDFC Bank Regalia Credit Card

HDFC Bank · Visa

₹2,500Annual fee
1.33%Base rate
12Lounge visits/yr
2%Forex markup
₹100KMin income/mo
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Your Verdict

HDFC Bank Regalia Credit Card
HDFC Bank · Visa
  • ✓12 complimentary domestic lounge visits/year
  • ✓6 international Priority Pass lounge visits/year
  • ✓2% FX markup � lowest among HDFC cards
  • ✓5X points on SmartBuy travel bookings
  • ✓Fee waived on ?3L annual spend
₹2,500/yrAnnual fee
₹2,500
Annual fee
1.33%
Base reward rate
12/yr
Lounge access
750+
CIBIL score
Our verdict
The HDFC Regalia is the best all-round premium card for frequent domestic travellers who want airport lounge access, solid reward rates, and a low FX markup � all at a fee that is waived with ?3L spend.
Fees & charges

What HDFC Bank Regalia Credit Card costs you

HDFC Bank Regalia Credit Card carries a ₹2,500 annual fee and a ₹2,500 one-time joining fee. The annual fee is waivable: Spend ?3L in a year.

FeeAmount
Annual fee (year 2+)₹2,500
Joining fee (one-time)₹2,500
Fee waiver conditionSpend ?3L in a year
Spend required for waiver₹3,00,000 / year
Foreign transaction fee (forex markup)2% per transaction
Rewards & cashback

What you earn on every rupee spent

HDFC Bank Regalia Credit Card earns 1.33% on all eligible spends as a base reward rate, with accelerated rates on travel & flights, dining & food and other bonus categories listed below. Each reward point is worth ₹0.5 when redeemed, giving a clear rupee value for your earnings.

CategoryReward rate
All other spends (base rate)1.33%
✈️ Travel & Flights6.67%
🍽️ Dining & Food2.67%
6.67%
Travel & Flights
2.67%
Dining & Food
Welcome bonus

2,500 reward points on first transaction

Reward types: Points · Lounge · Miles

Benefits & perks

Beyond the reward rate

The non-reward benefits on HDFC Bank Regalia Credit Card are meaningful for frequent users. Here is what you get with the card.

🛫
Airport lounge access
Domestic lounges — 12 visits/year. International lounges via Priority Pass.
⛽
No fuel surcharge waiver
Standard 1% surcharge applies at fuel pumps.
Eligibility

Who can apply for HDFC Bank Regalia Credit Card

HDFC Bank Regalia Credit Card requires a minimum net monthly income of ₹1,00,000 for salaried applicants and a CIBIL score of 750 or above. It is open to salaried employees and self-employed professionals.

₹1,00,000
Min monthly income
750+
CIBIL score
21–60
Age (years)
RequirementDetail
Minimum monthly income₹1,00,000
CIBIL score750+ (good to excellent)
Age range21–60 years
Employment typeSalaried, Self-employed
Typical approval time7�10 working days
Verdict

Who should (and shouldn't) get HDFC Bank Regalia Credit Card

✅ Best for
  • → Heavy spenders on travel & flights who want 6.67% back
  • → Heavy spenders on dining & food who want 2.67% back
  • → Frequent travelers who value airport lounge access
  • → International spenders benefiting from low forex markup
  • → Moderate spenders who can clear the fee waiver condition
⚠️ Not ideal for
    Frequently asked questions

    HDFC Bank Regalia Credit Card — Questions answered

    What is the annual fee for HDFC Bank Regalia Credit Card?
    The annual fee is ₹2,500 from year 2 onwards, with a one-time joining fee of ₹2,500. The fee is waivable: Spend ?3L in a year.
    What is the minimum income required for HDFC Bank Regalia Credit Card?
    Salaried applicants need a minimum net monthly income of ₹1,00,000 and a CIBIL score of at least 750. Self-employed applicants typically need equivalent annual income proof.
    What is the reward rate on HDFC Bank Regalia Credit Card for travel & flights?
    HDFC Bank Regalia Credit Card earns 6.67% on travel & flights with no monthly cap. On all other spends, the base reward rate is 1.33%.
    Does HDFC Bank Regalia Credit Card provide airport lounge access?
    Yes — HDFC Bank Regalia Credit Card includes domestic airport lounge access and international airport lounge access via Priority Pass, with 12 complimentary visits per year.
    How do I get the annual fee waived on HDFC Bank Regalia Credit Card?
    The annual fee on HDFC Bank Regalia Credit Card is automatically waived when you meet the spend threshold: Spend ?3L in a year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
    How long does it take to get HDFC Bank Regalia Credit Card approved?
    Most applications for HDFC Bank Regalia Credit Card are processed within 7�10 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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    Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.