HDFC Regalia Credit Card
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The HDFC Regalia Credit Card provides numerous rewards and travel advantages. It is best suited for consumers who want to earn reward points on card transactions.
Furthermore, if you are a frequent traveller, you can benefit from this credit card because it provides complimentary international and domestic lounge access each year, as well as a minimal forex markup cost. This is an excellent option if you frequently use your credit card and want to earn reward points on your purchases.
Key Highlights
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HDFC Regalia Credit Card |
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Image Source: HDFC Official Website |
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Suitability |
Travel and Lifestyle |
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HDFC Regalia Credit Card Offers |
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HDFC Regalia Credit Card Limit of Salary |
Salaried: Rs 1,00,000 per month Self-employed: ITR > Rs. 12 lakh p.a. |
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HDFC Regalia Credit Card Renewal Fee |
Rs 2500 (waived off on spends of Rs 3,00,000 in the last year) |
Features and Benefits of HDFC Regalia Credit Card
The HDFC Bank Regalia Credit Card is known as one of the bank's top offers, and as such, it comes with various exclusive benefits in a variety of areas, including travel, reward programs, movie and eating, and many more. Continue reading the details below to fully comprehend all of its features:
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Lounge Access |
12 complimentary lounge access per calendar year within India (at domestic and international terminals) |
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Priority Pass Membership and International Lounge Access |
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Milestone Rewards |
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Dining Rewards |
Earn up to 20% savings on all your restaurant bill payments via the Swiggy Dineout |
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Fuel Waiver |
Aside from the reward points and lounge access privileges, the Regalia HDFC card also includes a fuel surcharge waiver. On all transactions between Rs. 400 and Rs. 5,000 made with the HDFC Regalia Card, a 1% fuel levy is waived at all petrol stations in India. |
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Zero Liability Protection |
Regalia HDFC Card comes with zero liability protection against a lost/stolen card, which means you are not liable for any fraudulent transactions done on a lost card if you notify the loss bank promptly. |
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Card Reward Points |
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Annual Fee and Charges of HDFC Regalia Credit Card
The following are some of the fees and charges associated with your card:
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Charges |
Amount |
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Joining Fee |
Rs 2,500 |
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Renewal Charges |
Rs 2,500 |
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HDFC Regalia Credit Card Limits Advance Charges |
40% of the credit limit |
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Foreign Currency Fee |
2% |
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Over Limit Charges |
2.5% of the over-the-limit amount (Min. of Rs 550) |
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Cash Processing Charges |
Rs 100 per transaction |
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Payment Return Charges |
2% (Minimum of Rs 450) |
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Duplicate Statement Charges |
Rs 10 |
Late Payment Fee Applicable on Regalia Credit Card
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Outstanding Balance |
Late Payment Charges (Excl. GST) |
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Less than Rs 100 |
Nil |
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Rs 100 to Rs 500 |
Rs 100 |
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Rs 501 to Rs 5,000 |
Rs 500 |
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Rs 5,001 to Rs 10,000 |
Rs 600 |
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Rs 10,001 to Rs 25,000 |
Rs 800 |
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Rs 25,001 to Rs 50,000 |
Rs 1100 |
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More than Rs 50,000 |
Rs 1300 |
Eligibility Criteria Applicable
It is critical to review the eligibility criteria for any card before applying so that your application is not rejected. The Regalia Credit Card should be treated similarly. The age and income qualifying criteria for applying for the HDFC Bank Regalia card are listed in the table below:
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Particulars |
Age |
Income |
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Salaried |
21 Years - 60 Years |
Rs 1 Lac per month |
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Self-employed |
21 Years - 65 Years |
Rs 12 Lacs per annum |
Aside from that, the bank may have some internal eligibility criteria that it would evaluate when approving or denying your Regalia credit card application. For example, meeting merely the age and income requirements will not suffice; you must also have a strong credit history.
Documents Required to Apply for HDFC Regalia Credit Card
The following documents will be needed in order to apply-
- Aadhar Card, Voters Id, Driving License, Passport, PAN Card, and other forms of identification are acceptable.
- Ration card, Aadhar card, utility bills, passport, driving license, and so forth.
- Income proof consists of the most recent salary slips, bank statements, ITRs, pension books, and so on.
How to Apply
You can apply for the Regalia Credit Card both online and offline, depending on your preference. If you prefer to apply offline, simply bring all essential documents to your nearest branch and fill out a physical application form for a card. However, if you prefer online means, you can do so by following the steps outlined below:
Step 1: Visit the official website of HDFC Bank.
Step 2: Click on the 'Credit Cards' option under the 'Borrow' column.
Step 3: You will be taken to a page that categorizes all HDFC credit cards based on their features.
Step 4: The HDFC Regalia Credit Card can be found under the category 'Lifestyle.'
Step 5: Select 'Apply Now.'
Step 6: To begin using the app, enter your cell phone number and captcha.
Step 7: To finish the process, enter all of the essential information and upload the required documents.
Similar Credit Cards
If you want to look into other cards that have advantages comparable to HDFC Regalia, here are a couple to consider:
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Card Name |
Characteristics |
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IndusInd Bank Legend Credit Card |
Every Rs. 100 spent on weekends earns you two reward points. |
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5X points for restaurants, department shopping, and grocery purchases. |
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This credit card earns 10 points for every Rs. 200 spent. |
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For every Rs. 100 spent, you can earn up to 4 PAYBACK points. |
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Every Rs. 200 spent earns you 10 Axis EDGE reward points. |
Other HDFC Bank Credit Cards
