HDFC Regalia Credit Card
HDFC Bank · Visa
HDFC Regalia is one of India's most popular premium credit cards — strong on travel perks, lounge access, and dining rewards. Earns 4 points per ₹150 spent.
Annual Fee
₹2,500
Base Reward Rate
4X
Point Value
₹0.5/pt
Min CIBIL
750
Lounge Access
Domestic
6/year
International
6/year
Reward Rates by Category
Dining
6X
Travel
6X
Shopping
4X
Online
4X
Grocery
4X
Fuel
1X
Utilities
4X
Other
4X
Pros
- Priority Pass + Dragonpass — 6 domestic + 6 international lounge visits
- Fee waived at ₹3L annual spend
- Wide Visa acceptance
- Concierge service and travel insurance
Cons
- Point value (₹0.50/pt) lower than super-premium cards
- HDFC SmartBuy redemption rates vary
- Fuel surcharge waiver capped ₹500/month
Ready to Apply?
Apply directly on the HDFC Bank website. Takes about 10 minutes.