HDFC Regalia Credit Card Review, Features & Benefits

Regalia credit card is a premium credit card for customers of high net worth by HDFC bank. This is considered a very prestigious credit card which is sure to bring you some extra status symbol among your peers because it is issued to the customers who have either a high income tax return or a very good relationship with the bank.

However, once you are able to get this credit card, it is going to prove itself as a great way of saving on your most luxurious spending along with ensuring you a class apart lifestyle due to the many other advantages it offers.

HDFC Regalia Credit Card
HDFC Regalia Credit Card

Benefits offered by HDFC Bank Regalia Credit Card

The HDFC Bank Regalia Credit Card is chosen by customers for the long list of benefits it offers. It is not just a great option if you want to save money but also offers a variety of other advantages, most of which are exclusive

Reward Points

This card provides its customers with unmatched reward point value along with opportunities to earn a lot of extra reward points.

You get 4 reward points on every Rs 150 spent on this credit card. However, if you are spending on premium dining, Vistara air bookings or shopping from the official Regalia website (which has a huge variety of product and voucher options), you will get 8 reward points on spending Rs 150.

Apart from this, HDFC bank awards its customers with bulk reward points at the end of every year of their association with them. If you spend Rs 5,00,000 within 1 year of using this card, you will get 10,000 Reward Points and additional 5,000 Reward Points if your expenses reach Rs 8,00,000 in the same year.

Each reward point has a value of approximately 75 paisa, which is very high as compared to most of the other credit cards in the market which means that you can save up to 4% annually just on your regular expenditure. Once you have accumulated enough reward points, you can convert them into Regalia Vouchers that you can spend on the official Regalia website on a wide variety of products as well as services like Mobile/DTH recharges and movie tickets. You can also save a lot by using your reward points on travel bookings. Read on for more details about that.

Travel Benefits

If you are a HDFC Bank Regalia Credit Card holder, travel is going to be one of the most advantageous spending for you. This card is specifically a choice of people who are frequent travelers because it provides a wide range of benefits to them by including them in the elite circle of the bank’s customers.

The major benefits provided on travel are:

Reward points
You can get great discounts by converting your reward points into Air Miles of almost all leading international and domestic airlines. 1 air mile of Jet Airways, Air India and Kris flyer is equal to 1.35 reward points with your Regalia Credit Card. For Indigo, you can get a Rs 500 voucher for 665 reward points.

Club Vistara Silver membership

Every Regalia card holder automatically gets Club Vistara Silver membership which will give you 9 Club Vistara reward points on each Rs 100 spent for Vistara flight booking. Apart from this, you will be allowed additional 5 kg baggage on all Vistara flights along with priority check in and waiting clearance.

Airport Lounge Access

All HDFC Regalia Credit Card holders are provided with complimentary access to lounges at all major airports across the globe.

Every card holder can also be accompanied by one more add on traveler to avail this facility. This credit card offers you complimentary lounge access 6 times at all major international airports and 12 times at Indian airports in a year. If you have already exhausted your complimentary privileges, you can have an access to an international airport lounge at USD 27 each time.

Concierge Service

All HDFC bank Card customers can get customized travel and hotel booking through HDFC Travel Concierge Assistance. This 24×7 multilingual service can be accessed through the toll-free helpline number 1800 209 4006.

Travel Insurance

Every Regalia credit card holder gets insured for death in an air accident. In case of an air accident, Rs 1 crore is given as insurance money to the nominated kin of the deceased.

Emergency Overseas Hospitalization

HDFC Ergo General Insurance Company protects all Regalia credit card holders in case of a medical emergency during a foreign travel. You can claim for up to Rs. 15 lakhs in case you are hospitalized on an emergency basis anywhere outside India within 60 days of the loss.

Dining Privileges

All card holders enjoy Exclusive Dining Privileges on dining out as well as on home delivery. Make sure you check for the ongoing discounts and offers for Regalia members the next time you are eating out.  

Eligibility criteria for HDFC Bank Regalia Credit Card

If you are interested in getting your own Regalia Credit Card, you need to adhere to the following criteria set by the bank.

For Employee
Minimum Age21 Years
Minimum SalaryRs 1,20,000
Maximum Age60 Years
For Self Employed
Minimum Age21 Years
Minimum Salary  (monthly)Rs 1,00,000
Maximum Age65 Years

Being a premium credit card, it is available to customers who are able to maintain a good rapport with the bank. If you are salaried, your monthly income should be more than Rs 1,20,000 and you should be between 21-60 years of age.

For people who are self-employed, the age limit is 21-65 years and you need to present an income tax return that needs to be more than 12 Lakhs per annum.

Documents Required to apply for Regalia Credit Card

All applicants should present the following documents while applying this luxury card:

  • Income proof
  • Address proof
  • Identity proof
  • Passport Size photograph

Fees and other Charges of HDFC Regalia Credit Card

Joining FeeRs 2,500
Annual Membership FeeRs 2,500
Interest Rate(Monthly)1.99 %
Interest Rate (Yearly)23.88%
Age Eligibility21- 65 Years

The joining fee for all Regalia credit card holders is Rs. 2500. you will also have to pay Rs. 2500 as the annual membership fee to renew your credit card every year. Please note that an additional GST will also be added to both the joining and renewal fee.

But this fee is not charged if you are using you Regalia card frequently. To get your first-year annual fee waived off, you have to spend Rs 40,000 in the first 90 days of getting your card. Also, if you spend more than Rs 3,00,000 in 12 months from your Regalia card, the membership renewal fee for the next year will be waived off by the bank. But in case you have paid the fee, 2500 reward points will be automatically added to your account.

The interest that you have to pay for this credit card is 1.99% per month.

Overall Review

HDFC Regalia credit card is an ideal travel specific credit card that has several features.  Joining fees is also low as compared to any other banks, and that can waived-off if you spend INR 40,000 in 03 months. It gives you not just amazing offers and discounts but many other services to make sure that you have a luxurious travel. Hence, if you are a frequent traveler and looking for a credit card, please apply for the Regalia Credit Card in your nearest HDFC bank branch and get ready to indulge in luxury!

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Category: Credit Cards

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Article by: Ankita

Ankita is the main person behind She keep trying to figure out unique ways to save money using card, online etc.