HDFC Regalia Credit Card credit card

HDFC Regalia Credit Card

HDFC Bank · Visa

The original HDFC Regalia is a solid mid-range card with Priority Pass lounge access and decent reward rates. The Regalia Gold has largely superseded it with better partner multipliers, but the classic Regalia still works well for existing cardholders. Fee is waived at Rs.3 Lakh annual spend — lower than the Gold.

Annual Fee

₹2,500

Waived at ₹3.0L spend

Joining Fee

₹2,500

Base Reward Rate

4X

₹0.5/pt

Min CIBIL

750

₹8L+ income

Key Features

Priority Pass — 12 domestic + 6 international lounges per year
Annual fee waived at Rs.3 Lakh spend
4 reward points per Rs.150 on all spends
Air accident cover Rs.1 Crore
Overseas medical cover Rs.15 Lakh
Points transfer to airline and hotel programs
Complimentary golf at select courses

Welcome Benefits

✓

2,500 Bonus Reward Points

Earn 2,500 reward points on first transaction of Rs.1,000+ within 90 days of card issuance.

✓

Priority Pass Membership

Complimentary Priority Pass from day one — access to 1,300+ airport lounges worldwide.

Reward Rates by Category

Dining

6X

Travel

6X

Online

4X

Shopping

4X

Grocery

4X

Fuel

1X

Utilities

4X

Other

4X

Milestone Benefits

₹5.0 L

10,000 Reward Points

Earn 10,000 bonus reward points when annual spend crosses Rs.5 Lakh.

Annual

Airport Lounge Access

Domestic

6 visits/year

International

6 visits/year

Insurance & Protection

Air Accident Cover

Accidental death while travelling by air.

Rs.1 Crore

Emergency Overseas Medical

Medical emergencies while travelling abroad.

Rs.15 Lakh

Lost Card Liability

Fraudulent transaction protection post card loss.

Rs.9 Lakh

Eligibility Criteria

Age

21–65 years

Salaried Income

₹6.0 L+ per year

Self-Employed

₹9.0 L+ ITR

Min CIBIL Score

750+

Same income criteria as Regalia Gold. Salaried: Rs.6L+. Self-employed: Rs.9L ITR. CIBIL 750+ recommended.

Pros

  • Priority Pass — 12 domestic + 6 international lounge visits per year
  • Fee waived at Rs.3 Lakh (lower threshold than Regalia Gold)
  • Air accident cover Rs.1 Crore
  • Transfer points to airline and hotel programs
  • Good base earn rate for a mid-range card
  • Widely accepted — VISA Signature network

Cons

  • Regalia Gold is a strictly better product at the same Rs.2,500 fee
  • 3.5% foreign transaction fee
  • No 5X partner multipliers (unlike Regalia Gold)
  • Milestone bonuses less generous than Regalia Gold

Frequently Asked Questions

Should I apply for HDFC Regalia or Regalia Gold?+
Apply for Regalia Gold — it is strictly better. Same Rs.2,500 fee, higher partner multipliers (5X vs none), better milestone bonuses, and the same lounge access. The only advantage of classic Regalia is a lower fee waiver threshold (Rs.3L vs Rs.4L for Gold).
Can existing HDFC Regalia holders upgrade to Regalia Gold?+
Yes. Existing Regalia cardholders can request an upgrade to Regalia Gold by calling HDFC customer care or visiting a branch. The upgrade is typically processed within 7-10 working days and you retain the same card number.
What is the HDFC Regalia earn rate?+
4 reward points per Rs.150 spent on most categories. This works out to roughly 1.7% return at Rs.0.50 per point. Unlike Regalia Gold, there are no 5X partner multipliers on Swiggy, Zomato, Myntra or Nykaa.
How many lounge visits does HDFC Regalia give?+
12 complimentary domestic lounge visits per year (1 per month) and 6 international lounge visits per year via Priority Pass. Same as Regalia Gold.

Ready to apply?

Apply on the HDFC Bank website. Usually takes 10 minutes.

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