HDFC Regalia Credit Card: Benefits, Eligibility, Apply Online, Fees & Charges

The premium banking market has changed significantly as HDFC Bank has stopped issuing new legacy HDFC Regalia Credit Cards. To retain its market position, the bank is now focusing on its upgraded version, the HDFC Regalia Gold Credit Card. 

Key Highlights

• Transition: The traditional card is no longer offered and has been replaced by the Gold variant.
• Waiver: Annual fees can be waived by meeting spending requirements.
• Access: Lounge access depends on quarterly spending.
• Markup: Lower foreign transaction fees help save money on international purchases.

What is the HDFC Regalia Credit Card

HDFC Bank offers premium Regalia credit cards for travellers, shoppers, and lifestyle users.

• Ideal for: Executives, frequent flyers, and luxury shoppers.
• Annual Fee: ₹2,500 + GST (waived on ₹3 lakh annual spends).
• Rewards: 4 points per ₹150 spent; best value on HDFC SmartBuy bookings.
• Benefits: Lounge access, Priority Pass, and 2% forex markup.

Note: New applicants are now offered Regalia Gold instead of the classic Regalia card.

HDFC Bank Regalia Credit Card Benefits

The following points are the Benefits of the HDFC Bank Regalia Credit Card:

i. Travel Benefits

• Domestic Lounge Access: Up to 3 free visits per quarter on spends of ₹60,000 in the previous quarter.
• International Lounge Access: Priority Pass with up to 6 free visits per year after 4 retail transactions.

ii. Milestone Benefits

• ₹1.5 lakh/quarter: ₹1,500 partner vouchers.
• ₹5 lakh/year: ₹5,000 flight voucher.
• ₹7.5 lakh/year: Additional ₹5,000 reward voucher.

iii. Fuel Benefits

• Fuel Surcharge Waiver: 1% waiver on transactions between ₹400–₹5,000.
• Maximum Benefit: Up to ₹500 per billing cycle.

HDFC Regalia Credit Card Fees and Charges

The table below covers the different fees applicable for HDFC Regalia credit card:

HDFC Regalia Credit Card Eligibility

To apply for an HDFC Regalia credit card, the eligibility criteria is listed below:

Documents Required to Apply for HDFC Bank Regalia Credit Card

The following documents are required to apply for an HDFC Regalia credit card: 

How to Apply for HDFC Bank Regalia Credit Card Online?

Here are the steps to apply for an HDFC Regalia credit card:

Step 1: Visit HDFC Bank's official website to apply for a credit card.

Step 2: Enter the mobile number along with the date of birth or PAN number to get an OTP.

Step 3: Enter the OTP and other necessary details.

Step 4: Select ‘Regalia Credit Card’ and submit.

HDFC Regalia Credit Card Lounge Access List

Customers can use the lounge access vouchers for the HDFC Regalia credit card at the following airports:

HDFC Regalia Credit Card Reward Points Redemption

To redeem the points that were won by the customer via the HDFC Regalia credit card, follow the steps below:

Step 1: Log in to your HDFC NetBanking portal.

Step 2: Go to the ‘Credit Cards’ tab.

Step 3: Click on ‘Redeem Reward Points’.

Step 4: Select ‘Regalia Credit Card’ and click ‘Continue’.

Step 5: Set the ‘Points Range’ and ‘Item Category’ to view the HDFC Regalia credit card reward points redemption catalogue.

Step 6: Choose the items the customers wish to buy, then confirm the selections in the shopping cart.

Step 7: Check the ‘Terms and Conditions’ box.

Step 9: Click on ‘Redeem’ to finish the transaction.

Final Word

The HDFC Regalia card family remains a popular choice in the premium segment. While the classic Regalia card is available only to existing users, new customers can apply for the upgraded HDFC Regalia Gold, which offers enhanced rewards and milestone benefits.

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