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HDFC Regalia Credit Card

The HDFC Regalia Credit Card is designed for travel, shopping, and rewards. It offers 4 reward points per Rs. 150 spent, domestic and international lounge access, and a preferential 2% forex mark-up fee. The first-year fee is Rs. 2,500 plus applicable taxes, making it ideal for frequent travelers and shoppers.

HDFC Regalia Credit Card

About HDFC Regalia Credit Card

HDFC Regalia Credit Card has been a preferred choice among Indian credit cards for over ten years. Its popularity stems from a strong rewards structure, travel perks, and a reasonable annual fee. While the introduction of HDFC Regalia Gold offers an alternative, the original Regalia still appeals to a specific group of users.

The card provides a reward rate of 2.66% and a 2:1 redemption ratio for air miles, flight bookings, and hotel reservations through SmartBuy. It is well-suited for individuals seeking comprehensive benefits, particularly for travel, without incurring a high fee. Rewards can be redeemed effectively to offset travel-related expenses.

Cardholders can enhance their experience through complimentary lounge access and a low forex mark-up fee. Domestic lounge access requires a quarterly spend of Rs. 1 Lakh, while international lounge access is available to both primary and add-on users without any minimum spend conditions.

Note: This card has been discontinued. The information provided here is purely for reference.

Rewards Program & Milestone Advantages

  • Earn up to 1.33% back in reward points with the credit card.

  • Get 4 reward points for every Rs. 150 spent on retail purchases, including insurance payments.

  • Each reward point can be redeemed as Rs. 0.5 for flight and hotel bookings through the SmartBuy portal.

  • Convert 1 reward point into 0.5 air miles via net banking.

  • Redeem 1 reward point for up to Rs. 0.35 on products and vouchers through NetBanking or SmartBuy.

  • Use reward points for cashback at a value of Rs. 0.20 per point.

Milestone Rewards:

  • Receive 10,000 bonus points on annual spending of Rs. 5 lakh.

  • Earn an extra 5,000 points on annual spending of Rs. 8 lakh.

Other Features & Advantages of HDFC Regalia Credit Card

Airport Lounge Access:

  • Enjoy 8 complimentary airport lounge visits per year (2 per quarter) on spending Rs. 1 Lakh or more in a quarter.

  • Complimentary Priority Pass membership with 6 international lounge visits annually.

  • Priority Pass membership allows one add-on member as well.

Low Forex Mark-up:

  • Benefit from a low foreign currency transaction fee of just 2%.

Fuel Surcharge Waiver:

  • Get a 1% waiver on fuel surcharge at all petrol stations in India for transactions between Rs. 400 and Rs. 5,000.

Insurance Coverage:

  • Air accident death cover up to Rs. 1 crore.

  • Emergency overseas hospitalization cover up to Rs. 15 lakh.

  • Credit liability cover of Rs. 9 lakh.

Concierge Services:

  • Access 24×7 concierge assistance for travel and lifestyle needs.

Annual Fee Waiver:

  • Annual fee of Rs. 2,500 waived on spending Rs. 3 Lakh in the previous year.

HDFC Regalia Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

HDFC Regalia vs HDFC Regalia Gold: Which One Suits You?

Both HDFC Regalia and Regalia Gold offer similar base reward rates, but Regalia Gold stands out with faster rewards on popular brands like Myntra, Marks & Spencer, Nykaa, and Reliance Digital. This makes it a better choice for shoppers loyal to these brands.

While Regalia encourages flexible use of bonus points for shopping, travel, air miles, or cashback, Regalia Gold provides flight vouchers as a key benefit, making it ideal for frequent flyers. The higher rewards on Regalia Gold can also help in achieving its higher annual fee waiver of Rs. 4 Lakh. On the other hand, Regalia’s milestone bonus points suit users who prefer more control over how and when they redeem rewards.

HDFC Regalia Credit Card:Fees and Charges

Particulars Amount
Joining Fee Rs. 2,500
Annual Fee Rs. 2,500
Finance Charges 3.75% p.m. (45% p.a.)
Late Payment Charges
For Statement Balance:
Up to Rs. 100 Nil
Rs. 101 to Rs. 500 Rs. 100
Rs. 501 to Rs. 1,000 Rs. 500
Rs. 1,001 to Rs. 5,000 Rs. 600
Rs. 5,001 to Rs. 10,000 Rs. 750
Rs. 10,001 to Rs. 25,000 Rs. 900
Rs. 25,001 to Rs. 50,000 Rs. 1,100
More than Rs. 50,000 Rs. 1,300

Key Considerations Before Applying for HDFC Regalia Credit Card

  • Best suited for high spenders who can take full advantage of the rewards program and milestone bonuses.

  • Ideal for frequent travelers who can benefit from lounge access, air mile conversions, and low foreign currency transaction fees.

  • Suitable for those seeking versatile benefits across various categories like shopping, dining, and travel, rather than card benefits tied to specific brands or categories.

Steps to Close HDFC Regalia Credit Card

If you want to close your HDFC Regalia Credit Card, it is important to follow the correct process provided by HDFC Bank to ensure a smooth and secure closure.

Contact Customer Care

  • Call HDFC Bank customer care using the number mentioned on your credit card or the official website

  • Follow the IVR menu and select the credit card services option

  • Connect with a customer care executive for closure assistance

Follow the Closure Process

  • Request for credit card closure through the executive or IVR system

  • The bank may guide you through verification and closure initiation steps

Verify Your Details

You will need to confirm your identity by providing:

  • Full name

  • Registered mobile number

  • Last 4 digits of the credit card

  • Any other verification details if required

Confirm Closure Request

  • Confirm your request after successful verification

  • Ensure that all outstanding dues are cleared before final approval

  • The bank may take a few days to process the request

Important Points

  • Clear all outstanding payments including EMIs, interest, and charges

  • Redeem reward points before closing the card (they may expire after closure)

  • Avoid using the card after submitting the closure request

  • Always request confirmation via SMS or email

After Closure

  • Cut the card diagonally across the chip and magnetic strip

  • Check your credit report after a few weeks to ensure status is updated as “Closed”

  • Report any discrepancies to the bank immediately

HDFC Regalia Credit Card Helpline Number

If you need assistance regarding your HDFC Regalia Credit Card, you can contact the customer support team of HDFC Bank. The bank provides reliable support for billing queries, payments, card blocking, reward points, and other credit card-related services.

Customer Care Numbers (India)

These numbers can be used for all credit card-related queries across India.

International Support

You can use this number when calling from outside India.

Email Support

Send your queries from your registered email ID for faster assistance.

Availability

  • Customer support is available for general credit card queries during working hours

  • Emergency services like card blocking are available 24×7

Services Available

Customer care can assist you with:

  • Billing and statement-related queries

  • Payment and outstanding dues assistance

  • Reporting lost or stolen credit cards

  • Card blocking or replacement requests

  • Credit card closure or cancellation requests

Important Tips

  • Keep your registered mobile number and card details ready for verification

  • Never share sensitive information like OTP, PIN, or CVV

  • Always use official HDFC Bank contact details to avoid fraud

  • Immediately report any suspicious transactions

FAQs

What are the main benefits of HDFC Regalia Credit Card?

HDFC Regalia Credit Card provides strong rewards and travel perks. Earn 4 reward points for every Rs. 150 spent, along with up to 15,000 bonus points as milestone rewards. Points can be redeemed for flight and hotel bookings via SmartBuy, converted to air miles, used for products, vouchers, or cashback. The card also offers up to 8 domestic lounge visits, 6 international lounge visits, and Priority Pass membership.

Both cards have a similar joining and annual fee. Regalia Gold has a higher spending requirement for the annual fee waiver (Rs. 4 Lakh) versus Regalia (Rs. 3 Lakh). Regalia Gold is ideal for frequent travelers seeking flight vouchers, more lounge access, low forex fees, and brand-specific rewards on Myntra, Marks & Spencer, Nykaa, and Reliance Digital. Regular Regalia is better for users focused on general rewards, milestone points, and flexible redemption options.

Points can be redeemed through the HDFC SmartBuy portal or via NetBanking for flights, hotels, products, vouchers, or cashback.

Yes. Cash withdrawals attract a fee of 2.5% of the withdrawn amount or Rs. 500 (whichever is higher). Frequent cash withdrawals can also affect your credit score, so it’s best to avoid them.

Yes. Cardholders can enjoy 8 domestic lounge visits per year (2 per quarter on spending Rs. 1 Lakh per quarter) and 6 international lounge visits through Priority Pass membership for both primary and add-on members.

You can apply for Priority Pass after completing 4 retail transactions with your card. Membership covers both primary and add-on cardholders, offering 6 international lounge visits per year.

Log in to HDFC Bank’s official website or mobile app. Navigate to ‘Cards’ → ‘Enquire’ to view or download your statement.

Yes. It offers low forex markup fees, domestic and international lounge access, Priority Pass membership, and concierge services, making it a good choice for travel enthusiasts.