HDFC Regalia Credit Card: Benefits, Fees & Eligibility

HDFC Regalia Credit Card: Benefits, Eligibility, Fees & How to Apply

If your monthly spending leans toward travel, dining out, and shopping, the HDFC Regalia Credit Card is worth a closer look. It's built around lifestyle perks — airport lounge access, fuel surcharge waivers, dining discounts — rather than being a bare-bones cashback card. Here's a complete breakdown of what it offers, what it costs, and whether you actually qualify.

HDFC Regalia Credit Card: Quick Overview

Key Benefits of the HDFC Regalia Credit Card

Travel Perks

Frequent flyers get real value here. Spend ₹1 lakh or more in any calendar quarter (Jan–Mar, Apr–Jun, Jul–Sep, Oct–Dec), and you unlock up to 8 complimentary domestic lounge visits a year. The full list of participating lounges is available on HDFC's website.

Make 4 retail transactions on the card, and you become eligible for a Priority Pass, extending lounge access to international airports too — up to 6 visits a year for you and any add-on cardholders. Beyond that, each additional visit costs USD 27 plus GST.

There's also a 24/7 concierge service for travel bookings and assistance, reachable by phone or email.

Fuel Surcharge Waiver

On fuel transactions between ₹400 and ₹5,000 at stations across India, you get a 1% surcharge waiver — a small but useful saving if you drive regularly.

Dining Discounts

Through the Good Food Trail Program, cardholders can save up to 7.5% on restaurant bills paid via the Swiggy Dineout app. This combines both the restaurant's own discount and Swiggy's offer.

Renewal Fee Waiver

Spend ₹3 lakh or more in a year, and your ₹2,500 renewal fee gets waived automatically — a straightforward way to offset the annual cost if you use the card regularly.

HDFC Regalia Credit Card Limit

Your credit limit isn't fixed — it depends on your credit score, income level, existing debt obligations, and repayment history. If you need a higher limit later, you can request a review through HDFC's net banking portal, though the final call rests with the bank.

HDFC Regalia Credit Card Fees and Charges

Beyond the joining and renewal fees, here's what else to factor in:

Late Payment Charges

Eligibility Criteria

• Salaried applicants: Age 21 to 60 years, with a monthly income above ₹1 lakh.
• Self-employed applicants: Age 21 to 65 years, with annual income tax returns exceeding ₹12 lakh.

Documents You'll Need

• Identity proof: Aadhaar card, voter ID, driving licence, passport, or PAN card
• Address proof: Aadhaar card, ration card, utility bills, driving licence, or bank statements
• Income proof: Latest salary slip (not older than 3 months), Form 16, or the last 3 months' bank statements

How to Apply for the HDFC Regalia Credit Card Online

1. Visit HDFC Bank's official credit card application page.
2. Enter your mobile number along with your date of birth or PAN number, and verify via OTP.
3. Fill in the remaining required details.
4. Select "Regalia Credit Card" from the list and submit your application.

Airport Lounges Covered Under HDFC Regalia

The card gives you access to a solid spread of domestic and international lounges. Some of the major ones include:

Check HDFC's website for the full, updated list before you travel, since lounge tie-ups can change.

How to Redeem HDFC Regalia Reward Points

1. Log in to HDFC's net banking portal.
2. Go to the "Credit Cards" section.
3. Select "Redeem Reward Points."
4. Choose "Regalia Credit Card" and click "Continue."
5. You'll be redirected to the redemption catalogue.
6. Filter by points range and item category to browse available options.
7. Add your chosen items to the cart and confirm.
8. Accept the terms and conditions.
9. Click "Redeem" to complete the transaction.

Keep in mind that reward points expire 2 years from the date they're credited, so it's worth redeeming them before they lapse.

Frequently Asked Questions

Which is better: Regalia or Regalia Gold?

The Regalia Gold generally offers better benefits and rewards compared to the standard Regalia card.

How do I redeem HDFC Regalia credit card points?

Log in to HDFC's net banking portal, navigate to the Credit Cards section, and follow the redemption process.

Does the HDFC Regalia Credit Card charge a cash advance fee?

Yes. It's 2.5% of the withdrawn amount, or ₹500, whichever is higher.

Does the HDFC Regalia Credit Card offer airport lounge access?

Yes, both domestic and international lounge access are included, with the international benefit tied to a Priority Pass.

How do I get a Priority Pass with the HDFC Regalia Credit Card?

Complete 4 retail transactions on the card, then apply for the Priority Pass through HDFC Bank's official website.

How can I check my HDFC Regalia credit card statement online?

Log in to HDFC's net banking portal to view your statement anytime.

Is the HDFC Regalia Credit Card good for travel?

Yes, it's designed with frequent travellers in mind, offering lounge access, fuel waivers, and reward points on spending.

What's the maximum credit limit on the HDFC Regalia Credit Card?

There's no fixed maximum. HDFC Bank sets your limit based on your income, credit score, and overall application profile.

How do I earn reward points on the Regalia Credit Card?

You earn points automatically on retail transactions, including everyday spending and travel bookings.

Do I earn reward points on international flight bookings?

Yes, flight bookings made through the Regalia Credit Card also earn reward points.

How do I make payments toward my HDFC Regalia card bill?

You can pay through HDFC's net banking portal, along with other standard payment channels the bank offers.

I've lost my Regalia credit card. What should I do?

Contact HDFC Bank immediately to block the card and prevent any unauthorised use.

When do HDFC Regalia reward points expire?

Reward points expire 2 years from the date they were credited to your account.

Final Word

The HDFC Regalia Credit Card works best for people who travel occasionally, dine out often, and want a card that pays for its own fees through everyday spending. The joining and renewal fees are easy to offset if you cross the ₹3 lakh annual spend mark, and the lounge access alone can be worth it for a couple of trips a year. Before applying, it's worth comparing it against the Regalia Gold or other travel cards to see which rewards structure fits your spending habits best.