HDFC Bank Regalia Credit Card: Features & Benefits

Summary

HDFC Bank Regalia Credit Card is a high-end card intended for frequent flyers and high-value spenders. The card comes with a set of benefits like reward points, lounge access, travel benefits, and dining benefits. The design of the card in gold is so elegant that it has appealed to many customers seeking style as well as substance.

In terms of one of the significant advantages, this card has an excellent reward points system. You earn 4 reward points for every ₹150 spent, and then you can redeem these points for flights, hotels, or products via HDFC’s SmartBuy platform. When used for travel bookings, 1 reward point is equivalent to ₹0.50; therefore, it helps frequent flyers.

It comes with 12 free airport lounge visits per annum, covering the domestic and international lounges, and free travel insurance in the event of accidents or lost baggage.

Introduction

A credit card is a financial facility that not only makes our daily expenses easier but also provides various rewards and benefits. Among these cards, some credit cards are specifically made for the premium segment, that come with features and special benefits. One of the primary names among them is HDFC Bank Regalia Credit Card.

HDFC Bank Regalia Credit Card has been designed especially for those who want to experience a higher quality of life and avail off l premium services. The features and benefits of Regalia Credit Card make it different from other credit cards and make it very popular among high-income group customers.

HDFC Regalia Credit Card features unlimited reward points, acquired on every purchase and redeemable for a host of rewards and gifts. This is accompanied by excellent travel and lifestyle benefits that include boosted mileage points of airlines, airport lounge access, and special discounts.

In today’s article, we are going to let you know completely about HDFC Regalia Credit Card in which we are going to provide you with every detail about benefits. Along with this, the fees of HDFC Regalia Credit Card will also be discussed in this article, along with the process of its application will be discussed in great detail. Therefore, read this article till the end so that you do not face any trouble later.

What is the HDFC Bank Regalia Credit Card?

Credit Card is a premium credit card for customers looking to have more features and benefits. HDFC Bank Regalia Credit Card is for those who wish to experience a luxurious lifestyle with financial transactions at a higher level.

This Credit Card gives cardholders a chance to gain unlimited reward points, which they can use for various rewards and gifts. Along with this, HDFC Regalia Credit Card offers its cardholders premium benefits, such as access to airport lounges, travel insurance, and exclusive discounts.

Along with this, the customer also receives features such as personalized customer support, insurance coverage, and emergency cash services. HDFC Regalia Credit Card is an excellent choice for those looking for a better and more comfortable financial experience.

How is the design of the HDFC Bank Regalia Credit Card?

Regalia Credit Card features a premium, elegant design with a gold-tinted finish. This means it’s slender, making the credit card more stylish. HDFC has taken a great approach to design as it seems rich in class with this finishing touch.

The name “Regalia” itself says royalty and the design speaks to that with a classy, minimalistic appeal. Whether you use it at a restaurant or while traveling, the card looks and feels premium in your hand.

What are the benefits of the HDFC Bank Regalia Credit Card?

Here are some important benefits along with actual reward points:

1. Reward Points

• Earn 4 reward points on every ₹150 spent.

• 1 reward point = ₹0.50 while booking flights/hotels through SmartBuy.

2. Airport Lounge Access

• Get 12 complimentary airport lounge access (domestic & international) per year.

3. Travel Benefits

• Travel Insurance that covers medical & lost baggage expenses

4. Dining Benefits

• Dine with up to 20% off at the top restaurants with Good Food Trail Program.

5. Fuel Surcharge Waiver

• Get a 1% fuel surcharge waiver on transactions between ₹400-₹5,000.

6. Milestone Benefits

• Spend ₹5 lakh in a year and get 10,000 bonus reward points.

• Spend ₹8 lakh and get 5,000 extra reward points.

What are the fees for the HDFC Bank Regalia Credit Card?

Here is a simple breakup of the Regalia Credit Card fees.

Joining Fee	₹2,499 + GST (one-time fee when you get the card).
Annual Fee	₹2,499 = GST per year. This will be waived if you spend ₹3,00,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	3.75% per month (45% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Bank Regalia Credit Card?

The following are the primary requirements:

1. To apply for the  HDFC Regalia Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 5 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for HDFC Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an HDFC Bank Regalia Credit Card?

The documents that you will have to submit to get an HDFC Regalia Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Bank Regalia Credit Card be used?

Here is the list of places where you can use it:

• With the HDFC Regalia Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Regalia Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  HDFC Regalia Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC Bank Regalia Credit Card?

The credit amount you can spend is what you are provided with a Regalia Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an HDFC Bank Regalia Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the HDFC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the  HDFC Regalia Credit Card.

• Just hover your cursor on the  HDFC Regalia Credit Card, followed by selecting ‘Apply Now’ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest HDFC Bank branch to apply for the  HDFC Regalia Credit Card.

• Request for the credit card application form of the  HDFC Regalia Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  HDFC Regalia Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website, or mobile app or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an HDFC Bank Regalia Credit Card in 2025 be right?

Yes, getting an HDFC Bank Regalia Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

HDFC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

HDFC Regalia Credit Card is a premium card, which is created for customers to take their financial journey to new heights. The HDFC Bank Regalia Credit Card not only makes financial transactions easy but also offers a luxurious and enhanced lifestyle experience. This is why the enhanced benefits and features make it very popular among high-income customers.

Features of the HDFC Regalia Credit Card include unlimited reward points that accrue on every transaction and can be redeemed for various rewards and gifts. Regalia Credit Card holders get boosted mileage points from airlines, airport lounge access, and various travel and lifestyle benefits that make traveling even easier and more comfortable.

Along with this, the cardholder also receives exclusive services such as personalized customer care, insurance coverage, and cash services that assist in emergencies. Furthermore, HDFC Regalia Credit Card has other rewards programs and offers that make it all the more appealing.

Frequently Asked Questions (FAQ’s)