INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️HDFC Bank Ltd.Network: Visa / MastercardTravel & Aviation CardsLast Verified: 2026-09-28

HDFC Regalia Credit Card

एचडीएफसी रेगलिया क्रेडिट कार्ड

Classic premium travel and corporate credit card with 12 domestic and 6 international lounge accesses, 2% forex markup, and 10X SmartBuy rewards.

Annual Fee₹2,500 + GST (Renewal: ₹2,500 + GST)

Reward Rate4 Reward Points per ₹150 spent on all retail purchases. Up to 10X Reward Points on hotel and airline bookings made through SmartBuy.

Airport Lounge12 complimentary domestic airport lounge visits per calendar year within India. 6 complimentary international lounge visits per calendar year via Priority Pass.

Forex Markup2.00% + GST markup on foreign currency transactions.

What Is This Card

HDFC Regalia is one of India's most widely held premium credit cards, built for corporate executives, managers, and frequent travelers. It provides generous SmartBuy multiplier rewards on flight bookings, complimentary domestic and international lounge access, and a preferential 2.0% forex markup.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹2,500 + GST (Renewal: ₹2,500 + GST)

Fee Waiver: Spend ₹3,00,000 or more in the preceding anniversary year to get the annual fee of ₹2,500 reversed.

🎁Welcome Benefit

2,500 Reward Points credited upon realization of the joining fee.

⚡Reward Points Structure

4 Reward Points per ₹150 spent on all retail purchases. Up to 10X Reward Points on hotel and airline bookings made through SmartBuy.

Redemption Value: 1 Reward Point = up to ₹0.50 on flight and hotel bookings via SmartBuy. 1 RP = ₹0.20 against cash statement credit.

🛫Airport & Railway Lounge Access

12 complimentary domestic airport lounge visits per calendar year within India. 6 complimentary international lounge visits per calendar year via Priority Pass.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹1 Crore. Emergency hospitalization cover up to ₹15 Lakhs. Credit liability cover up to ₹9 Lakhs.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹420 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Earn 10,000 bonus reward points on spending ₹5,00,000 in an anniversary year; an additional 5,000 bonus points on reaching ₹8,00,000 spends.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Fresh sourcing is predominantly routed by HDFC to the upgraded Regalia Gold variant. Air miles transfer ratio is 1:0.5 to 1:0.35. Cash redemption value is low at ₹0.20 per point.

Forex Markup Fee2.00% + GST markup on foreign currency transactions.

Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 3.60% monthly finance charge from date of withdrawal.

Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points ExpiryReward points expire 3 years (36 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹1,00,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹12,00,000.

Age Requirement21 to 60 Years

Minimum Income₹1,00,000/month (Salaried) / ₹12,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 750+ is required.

SBI RelationshipNot mandatory. Existing HDFC account holders receive fast-track issuance.

How to Apply (Official Procedure)

Online Digital Application Flow

1Check pre-approved offers on HDFC NetBanking or visit hdfcbank.com.

2Enter PAN and mobile number for soft eligibility evaluation.

3Select HDFC Regalia and submit employment details.

4Upload identity, residence, and salary documents.

5Complete online Video KYC session with bank official.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any HDFC Bank branch with PAN, Aadhaar, last 3 months' salary slips, and 6 months' bank statements.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Driving License

3. Proof of Income: Last 3 months' salary slips with Form 16 OR Last 2 years' ITR computation

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC Regalia Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on HDFC Regalia Credit Card into EMI?

Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on HDFC Regalia Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = up to ₹0.50 on flight and hotel bookings via SmartBuy. 1 RP = ₹0.20 against cash statement credit. Please note: Reward points expire 3 years (36 months) from the date of accrual.

What is the interest-free grace period on HDFC Regalia Credit Card and how does it work?

The interest-free period on HDFC Regalia Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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