यात्रा एवं विमानन (Travel)नेटवर्क: Visa / Mastercardसत्यापित: 2026-09-28 (180-दिवसीय SLA)

एचडीएफसी रेगलिया क्रेडिट कार्ड

जारीकर्ता बैंक / संस्था: HDFC Bank Ltd.

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

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

शुल्क माफी खर्च सीमाSpend ₹3,00,000 or more in the preceding anniversary year to get the annual fee of ₹2,500 reversed.

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

ब्याज प्रभार (APR)3.60% per month (43.20% per annum) on revolving balances.

💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)

कार्ड का संक्षिप्त विवरण

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.

स्वागत लाभ (Welcome Benefit)

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

एयरपोर्ट लाउंज एक्सेस (Lounge Access)

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

ईंधन अधिभार छूट (Fuel Surcharge Waiver)

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).

माइलस्टोन खर्च लाभ (Milestone Perks)

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.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें

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.

न्यूनतम वार्षिक आय आवश्यकता

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

CIBIL स्कोर आवश्यकता: A credit score of 750+ is required.

📂आवश्यक दस्तावेज (Required Documents)

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.

⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.

विलंब भुगतान शुल्क: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).

एटीएम नकद निकासी शुल्क:2.5% of transaction amount or ₹500 (whichever is higher) + 3.60% monthly finance charge from date of withdrawal.

विदेशी मुद्रा मार्कअप:2.00% + GST markup on foreign currency transactions.

🚀आवेदन के चरण (How to Apply)

Step 1: Check pre-approved offers on HDFC NetBanking or visit hdfcbank.com. Step 2: Enter PAN and mobile number for soft eligibility evaluation. Step 3: Select HDFC Regalia and submit employment details. Step 4: Upload identity, residence, and salary documents. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.

आधिकारिक कार्ड पोर्टल पर जाएं आधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

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.