HDFC Bank Regalia Credit Card

The following are the key features and benefits of the HDFC Regalia Card:

Welcome Benefit 

• 2500 reward points on joining and renewal.
• Offer applicable only after the membership fee is realized.
• The offer is not applicable when the membership fee is waived.

Complimentary Airport Lounge Access

• HDFC Bank has updated the domestic lounge access conditions following which all of the Regalia credit card holders can avail complimentary access to domestic airport lounges if they spend a minimum of Rs 1 lakh in a calendar quarter.
• The benefit will be available in the subsequent quarter for a limit of up to two lounge visits in the 3-month period with a maximum of 8 in a calendar year.
• The complimentary lounge visit benefit will be provided through lounge access vouchers available at HDFC Bank Regalia SmartBuy page.
• The lounge access vouchers are sent via SMS and email in accordance with the registered credentials with HDFC Bank.
• Lounge access vouchers will contain QR codes that can be shown at domestic airport lounges to avail the benefit.

Priority Pass 

• You can apply for HDFC Regalia Priority Pass for yourself and add on members on completing a minimum of 4 retail transactions on your card.
• Using Priority Pass HDFC Regalia, you and add-on card members can together avail up to 6 complimentary HDFC Regalia Lounge Access each calendar year, outside India.
• On exceeding the 6 complimentary visits, you will be charged US $27 + GST per visit.

Reward Points

• 4 reward points on spending every Rs. 150 on retail, including insurance, utilities & education.
• 10,000 bonus reward points on spending Rs. 5 Lakhs in an anniversary year.
• Additional 5,000 reward points on spending Rs. 8 Lakhs in an anniversary year.
• You can redeem your reward points on Smartbuy or Netbanking.
• Reward points can be redeemed against:
  • Flights & hotel bookings via SmartBuy at a value of 1 RP = Rs. 0.5.
  • Airmiles conversion through netbanking at a value of 1RP = 0.5 airmile.
  • Products & vouchers via netbanking/ SmartBuy at a value of 1 RP = up to Rs. 0.35.
  • Cashback at a value of 1 RP = Rs. 0.20.

Fuel Surcharge Waiver

• 1% fuel surcharge waiver across all fuel stations in India
• The minimum transaction value should be Rs. 400 and the maximum should be Rs. 5,000.
• The maximum waiver of Rs. 500 per statement cycle can be availed of.
• Fuel surcharge varies from 1% to 2.5% of the fuel transaction amount, depending on the fuel station and its acquiring bank.

Good Food Trail Program

• Amazing dining benefits under the Good Food Trail program.
• Up to 20% savings on all 20,000+ restaurants bill payments done via Swiggy Dineout.
• Offer includes restaurant & Swiggy discount.
• Offer valid only on payments done with the Swiggy app.

Smart EMI

• Facility to convert your big spends into EMI after purchase.
• Repay conveniently over 6 to 24 months.
• The loan is pre-approved so no documents are required.
• A processing fee of Rs. 499 + GST for all loan amounts is applied.
• Transactions over 60 days cannot be converted into EMI.

Contactless Payment

• The HDFC Regalia Credit Card is enabled for contactless payments, enabling fast, convenient and secure payments at retail outlets.
• Look for the contactless network symbol on your card to see if your card is contactless.
• Payment through contactless mode is capped at a maximum of Rs. 5,000 for a single transaction.
• If the amount is equal to or above Rs. 5,000, the cardholder has to enter the credit card PIN for security reasons.

Insurance 

• Accidental Air Death Cover worth Rs. 1 Crore.
• Emergency Overseas Hospitalization of up to Rs. 15 Lakhs.
• Lost Card Liability Cover up to Rs. 9 Lakhs.

Other Benefits

• In the unfortunate event of losing your credit card, report it immediately to HDFC’s 24-hour call centre, to have zero liability for any fraudulent transactions made on your card.
• Revolving credit on your HDFC Regalia credit card at a nominal interest rate.
• Exclusive 24×7 concierge services.

Joining & Annual Fees 

• Joining fee: Rs. 2,500 + applicable taxes.
• Renewal membership fee: Rs. 2,500 + applicable taxes. Waived off if you spend more than Rs. 3 Lakhs in the previous year.

HDFC Bank Regalia Credit Card fees and charges are listed below in detail:

• Joining fee: Rs. 2,500 + applicable taxes.
• Renewal fee: Rs. 2,500 + applicable taxes.
• Joining & Annual Fees for Add-on card: Nil.
• Charges on revolving credit: 3.6% per month (43.2% p.a.).
• Auto EMI Conversion Charges: Applicable on transactions (excluding fuel, jewellery & gold) of Rs. 10,000 or more for a tenure of 9 months, at a 20% p.a. interest rate & Rs. 99 processing fee.
• Cash Advance Charges: 2.5% of the amount withdrawn or Rs. 500, whichever is higher.
• Late payment charges: Late payment charges: For statement balance :
  • Less than Rs. 100: Nil
  • Between Rs. 100 to Rs. 500: Rs. 100
  • Between Rs. 500 to Rs. 5,000: Rs. 500
  • Between Rs. 5,000 to Rs. 10,000: Rs. 600
  • Between Rs. 10,000 to Rs. 25,00: Rs. 800
  • Between Rs. 25,000 to Rs. 50,000: Rs. 1,100
  • Over Rs. 50,000: Rs. 1,300

• Charges on overlimit account: 2.5% of the overlimit amount (minimum of Rs. 550).
• Payment return charges: 2% of the payment amount (minimum Rs. 450).
• Foreign currency markup: 2% on all foreign currency spend.
• Cash processing fee: Rs. 100.
• Rewards redemption fee: NIL.
• Balance transfer processing charges: 1% of the balance transfer amount or Rs. 250, whichever is higher.
• Loan processing fee & preclosure charges: Rs. 999.
• Duplicate physical statement charges: Rs. 10 per duplicate physical statement.
• Railway ticket purchase fee: 1% of the transaction amount + GST.
• Rent pay transaction fee: 1% on transaction amount w.e.f 01.01.2023.
• Lounge card validation charges: Rs. 2.
• Reissuance of lost/ stolen/ damaged card: Rs. 100.
• Outstation cheque processing fee: Rs. 25 for cheque value up to Rs. 5,000 & Rs. 50 for above Rs. 5,000.
• Dynamic currency conversion markup: 1% on international transactions.
• Goods & Services Tax (GST): Applicable on all fees, interest & charges.

TDS on cash withdrawals above Rs. 1 Crore: 2% on aggregate cash withdrawals exceeding Rs. 1 C

Following are the HDFC Bank Regalia credit card eligibility criteria in detail:

Criteria for Salaried Indian Nationals

• Age: Minimum 21 years and maximum 60 years.
• Income: Net monthly income of more than Rs. 1 Lakh.

Criteria for Self-employed Indian Nationals

• Age: Minimum 21 years and maximum 65 years.
• Income: Income Tax Return (ITR) above Rs. 12 Lakhs per annum.

You can apply for HDFC Regalia credit card online through the HDFC Bank’s website/mobile app or from our lending marketplace, in a completely digital way. If you want to get an instant decision on your card application, just follow the steps:

• Check your eligibility for the HDFC Regalia credit card by clicking ‘Check Eligibility’.
• Provide all the required details.
• Upload the required documents.
• You can track your card application with your tracking ID with the ‘Track Application’ process.

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