Card Details
HDFC Regalia Credit Card
Card Issuer
HDFC Bank
Joining Fee
₹2,500
Annual Fee
₹2,500
Reward Type
Reward Points
Card Access
Standard
Earn Points
4 RP / ₹200
on eligible retail spends
Up to 5X RP
via SmartBuy on flights/hotels/gift vouchers
10,000 RP
on ₹5 lakh anniversary-year spending
5,000 RP
additional points on ₹8 lakh anniversary-year spending
Benefits
Base earn of 4 Reward Points per ₹200 on…
- Up to 8 domestic lounge visits annually, subject to quarterly spend
- Up to 6 international Priority Pass lounge visits annually
- Up to 6 complimentary international lounge visits per year via Priority Pass
Domestic and international lounge access…
- 4 Reward Points per ₹200 on retail spending
- Up to 5x Reward Points through SmartBuy
- Up to 2 domestic lounge vouchers per quarter with spend condition
- Up to 6 international lounge visits/year via Priority Pass
Up to 7.5% discount through Swiggy Dineout
Things to Keep in Mind
Sourcing/new applications for Regalia Credit Card has been stopped; existing customers continue to receive benefits.
No reward points on fuel, rent/property management, government transactions, EasyEMI, and e-wallet loading.
Grocery and insurance reward points are capped at 2,000 points per calendar month each.
SmartBuy flight/hotel redemption is capped at 50,000 reward points per calendar month.
Reward points are reversed if retail transactions are converted to SmartEMI.
Priority Pass usage in India is chargeable; excess international lounge visits are charged at US$27 + GST.
