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HDFC Bank Regalia Credit Card is one of HDFC Bank’s best cards from their premium range of credit cards. While offering exclusive benefits available on other premium credit cards from HDFC Bank, it is quite cheaper compared to others.


The HDFC Bank Regalia Credit Card is best suited for you if you travel frequently by air or dine out regularly. Its foreign exchange markup benefits also make it a smart choice, especially if you shop on foreign websites.

HDFC Regalia Credit Card Benefits & Features

Here are some of the characteristics and perks of the HDFC Bank Regalia Credit Card. 

1. Lounge Access

  • This HDFC Credit Card offers 12 complimentary visits to domestic airport lounges in a calendar year

  • You can access a ‘Priority Pass’ after completing 4 retail transactions, which offers you complimentary access up to 6 times to international airport lounges in a calendar year

2. Fuel Surcharge Waiver

  • This card allows you to avail of a 1% waiver on fuel surcharge across fuel stations in India

  • This waiver is available only on fuel purchases worth between ₹400 and ₹5,000

3. Dining Benefits 

  • You can also enjoy discounts of up to 20% on restaurants across while paying the bill via Swiggy DineOut

4. Milestone Benefits

  • 10,000 bonus reward points on spending over ₹5 Lakhs in an anniversary year

  • An additional 5,000 points if you spend more than ₹8 Lakhs in an anniversary year

5. Renewal Fee Waiver

  • The renewal fee is waived if you spent ₹3 Lakhs in the previous calendar year

6. Smart EMI Conversion

  • Like all credit cards, HDFC Bank Regalia Credit Card also allows you to convert large spending amounts into easy and affordable EMIs

7. Insurance Cover

  • Lost card liability cover of up to ₹9 Lakhs

  • Emergency overseas hospitalisation cover of up to ₹15 Lakhs  

  • Accidental air death cover of ₹1 Crore

8. Reward System

  • On every retail spending of ₹150, HDFC Bank Regalia Credit Card offers 4 reward points

  • You can redeem Regalia Credit Card reward points for purchases on Smartbuy and Netbanking

9. Zero Liability on Lost Card

  • In case of loss and theft of the card, report immediately to 24x7 HDFC Credit Card customer care

  • You will have zero liability for any fraudulent transactions made on your card

Eligibility & Documentation for HDFC Regalia Credit Card

1. Eligibility Criteria for HDFC Regalia Credit Card

  • A salaried individual should be between the age of 21-60 years with a net monthly income of greater than ₹1 Lakh per month

  • A self-employed individual should be between the age of 21-65 years and must have filed an ITR of more than ₹12 Lakhs in a year

  • The applicant should either be a resident of India or a non-resident Indian

2. Documents Required for HDFC Regalia Credit Card

  • A copy of the PAN card or Form 60

  • Colour photograph

  • Income tax returns with computation sheet

  • Residence proof and identity Proof

Fees & Charges on HDFC Regalia Credit Card

The following are the fees and charges associated with the HDFC Bank Regalia Credit Card: 



Annual Fee


Renewal Fee


Add-on Card Joining Fee


Add-on Card Annual Fee


Disclaimer: The credit card specifics provided in the table above are subject to the issuer’s policies. Check these details on the issuer’s website before applying.

How to Apply for an HDFC Regalia Credit Card?

You can apply for the HDFC Regalia Credit Card either offline or online. Here’s how you can apply for credit card on the HDFC Bank portal: 

  • Visit the official banking portal of HDFC Bank and navigate to the top dashboard

  • Click on the ‘Personal’ section and then choose ‘Credit Card’ from the ‘Cards’ category

  • Choose HDFC Bank Regalia Credit Card and hit the ‘Apply Now’ button

  • Fill in the required details in the application form and submit it after attaching the required documents

  • Upon approval of your application, you will receive your HDFC Bank Regalia Credit Card


Note: HDFC Bank credit cards, including the HDFC Bank Regalia Credit Card, are not available on the Bajaj Markets website.


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

FAQs About HDFC Regalia Credit Card

The Regalia card is known for its host of lifestyle, travel, shopping, and dining benefits. You will get complimentary access to lounges at domestic and international airports. Moreover, you can also enjoy exclusive Swiggy DineOut benefits with this card.

The credit limit of the Regalia credit card varies from person to person based on their credit score and monthly salary.

You can earn reward points on the HDFC Bank Regalia Credit Card by using it for online and offline transactions. On every retail spending of ₹150, you can earn 4 reward points with this card.

You can increase the credit limit on your HDFC Bank Regalia Credit Card through the HDFC Bank net banking portal. Once you log in to the portal, you will need to select the ‘Cards’ section. Next, choose the ‘Credit Limit Enhancement’ option under the ‘Request’ section. 


Type the details of your credit card to verify if you qualify for an increased credit limit on your credit card. A pop-up providing details of the credit limit relevant to you will appear if you are eligible for a credit limit increase. 


Post that, your bank will verify all the details provided on your application and reach out to you regarding any further procedures.

The HDFC Bank Regalia Credit Card can be enabled for international transactions. Irrespective of whether you are self-employed or salaried, you can apply for the HDFC Regalia Credit Card, provided you meet the specified eligibility criteria.

HDFC offers multiple credit cards that offer a wide range of benefits. Based on your financial requirement and the eligibility criteria, you can choose one of the HDFC credit cards.

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