Doctor’s Regalia HDFC Credit Card Review

The Doctor’s regalia hdfc bank credit card is part of a special line of credit cards, tailored specifically for doctors. Besides serving as a credit card, it also acts as a protection against unfortunate events resulting from professional negligence. Furthermore, you will receive a number of premium privileges and benefits, such as free domestic and international lounge access, reward points on every purchase, exclusive dining privileges, and a number of other helpful hdfc bank regalia credit card features. Now let’s discuss the benefits of getting this card in depth. 

How can I prove my eligibility for hdfc bank credit card?

This card is specially designed for doctors.

  • Resident Type: Indian
  • Doctor regalia hdfc bank credit card eligibility criteria for salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The average income of the applicant should be greater than Rs. 60,000 monthly. 
  • HDFC credit card eligibility criteria for self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years.
    • Income: Annual Income Tax Return should be greater than Rs. 7.2 lakh.  
  • A long relationship with the bank will help you to get this hdfc regalia credit card.
  • An excellent credit score(720 or more) is mandatory to apply for doctor’s regalia hdfc bank credit card

To apply for hdfc regalia credit card, visit the hdfc bank credit card online application page. If online application is not your thing, then you can go to any HDFC credit card branch and apply for hdfc bank credit card there. Click here for the application process.

What documents are required to apply for the doctor’s regalia hdfc bank credit card?

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

Once your hdfc credit card online application form is submitted successfully, you can track your hdfc regalia credit card application status using your application number. You can click here to go to the hdfc bank credit card tracking page.

What are the hdfc bank regalia credit card fees?

  • Doctors regalia hdfc credit card joining fees: Rs. 2500 + GST
  • HDFC Doctor’s regalia credit card annual fee: Rs. 2500 + GST

What are the HDFC Doctor’s regalia credit card benefits

  • Get rewarded for every transaction you make:

This Doctor’s regalia credit card offers a powerful reward scheme that can make your every transaction rewarding. The details are given below.

Category of transaction

Rate of earning hdfc regalia credit card reward points

Insurance premium payment    Maximum of 2000 hdfc rewards per day (at the rate of 4 points/Rs.150 transaction)  
All other categories* 4 hdfc reward points for every Rs.150 transaction

*You will not get any hdfc bank credit card rewards for fuel purchases, wallet top-ups, and EMI conversions, and the earned reward points are valid for two years. 

The hdfc credit card rewards redemption process is very simple. You can use your earned points for hotel/flight bookings, or to purchase gift vouchers. You can also use them to get a product from the doctor regalia hdfc bank credit card rewards catalog

If you redeem hdfc regalia credit card points for hotel or flight booking, you can pay up to 70% of your booking value with the points. The rest of the amount should be paid using your HDFC regalia credit card

  • Travel comfortably with the hdfc regalia credit card lounge access program:

Under the hdfc regalia airport lounge access program, this card offers up to 12 free accesses to most of the Indian airport lounges(applicable both at domestic and international terminals). Click here for the list of visa lounges, and you can find the list of MasterCard lounges here.  

Also on performing a minimum of 4 credit card transactions, you can apply for the hdfc regalia priority pass membership (both for you and your add-on members), which gives you 6 free yearly access to most of the overseas airports’ lounges. You can find the hdfc regalia lounge access list from the Priority Pass website

  • Experience exclusive deals on dining expenses:

This regalia credit card features a complimentary hdfc bank dineout passport membership (Discontinued after 31st Dec 2021) which gives you exclusive privileges like 25% + extra 5% discount on dining bills, attractive deals on buffets at some of the frontline restaurants, priority access to VIP events like Gourmet Licious, etc.  

  • Enjoy freedom from fuel surcharges:

If you use this hdfc bank regalia card to purchase fuel, you will get a 1% waiver on fuel surcharges. This offer is applicable at most of the fuel stations in India. The transaction amount should be between Rs. 400 to Rs. 5000. 

Clearly, this is not the best hdfc fuel card , so if you want a proper fuel surcharge credit card , then take a look at our top 10 fuel credit card page

  • Earn additional benefits on milestone spending:

Depending on your hdfc credit card usage you can earn some extra benefits from your card. The doctor regalia hdfc bank credit card milestone benefit scheme is discussed in the table below.

Total Spend

Total benefit

Rs. 5 lakh in a year  10,000 bonus hdfc regalia rewards 
Rs. 8 lakh in a year  Extra 5,000 hdfc reward points 
Rs.3 lakh within an anniversary year A complete waiver on your next years’ annual fee
  • Professional insurance coverage to support you in unfortunate events:

Your professional career is protected with this Doctor’s regalia hdfc credit card. Your personal liability will be covered by Rs. 20 lakh for all the unfortunate events caused by professional negligence. The hdfc credit card insurance Scheme provides comprehensive coverage for death/injury claims, defense expenses, etc. Details about the hdfc bank credit card policy can be found here.​​

  • Complimentary accidental insurance coverage to support you:

You will also get coverage against accidental or emergency situations. The hdfc credit card policy details are given in the table below. 


Total coverage amount           
Air accidental deaths Rs. 1 Crore 
Emergency hospitalization (overseas)                Rs. 15 lakh 
Credit shield Rs. 9 lakh 
  • A multilingual concierge service to assist you:

This hdfc credit card regalia offers a 24X7 active multilingual concierge service to assist you during travel. For any assistance just call the hdfc credit card help desk number 1860 425 1188 you can also write to the hdfc card email id 

  • Pay conveniently with the advanced contactless payment facility:

On this regalia credit card hdfc bank offers the advanced contactless payment facility; this feature allows you to make hdfc regalia credit card payment with just a wave at any secure reader machine. This hdfc credit card feature is very helpful in preventing credit card skimming. 

But fraudulent transactions can happen at any time. In such cases, you should immediately contact the hdfc bank credit card helpline number given below. You can also block your doctors hdfc credit card from the hdfc netbanking account

What are the hdfc regalia credit card charges?


Payable amount

Charges for cash withdrawal from hdfc credit card  2.5% against the withdrawn amount, min Rs. 500 (Check your available hdfc bank regalia credit card limit before making a withdrawal)
Finance charges in hdfc credit card  The hdfc bank credit card interest rate can go up to 3.6% monthly or 43.2% annually (applicable if your hdfc bank credit card bill is not cleared within the due date)
HDFC regalia credit card international transaction charges 2% against the transaction amount
HDFC add on credit card fee Free for a lifetime

As per the credit card new rules, international transactions on new credit cards are turned off. So if you want to use your hdfc regalia card for international transactions, you have to turn on the option manually from the mobile application for hdfc credit card. If you want to know how to enable international transactions on hdfc credit card then visit our FAQ page.

How to contact the hdfc regalia customer care department?

100xGain Ratings: 


Pros and Cons of the hdfc doctor’s credit card:



  • There is a huge professional indemnity insurance coverage on this hdfc bank regalia credit card.
  • You can also enjoy some free access to domestic and international airport lounges.
  • This hdfc bank regalia credit card offers a handsome discount on dining expenses.
  • This hdfc credit card is only available for doctors.
  • You will not get any movie benefits from this hdfc bank credit card

If you don’t want to continue with your old hdfc credit card then make sure to visit our FAQ page for the hdfc credit card closure process

Final Opinion:

If you are a doctor and you want a credit card that can fulfill your professional needs, then the hdfc doctors regalia card will be a good option for you. With free domestic and international lounge access, hdfc bank credit card reward points on every transaction, exclusive deals on dining, professional insurance coverage, this card can easily justify the Rs. 2,500 annual fee. 

But this card does not offer any benefits on shopping and there are no hdfc credit card cashback offers on this card. This is not a deal-breaker though, and if you have the required eligibility criteria, you should definitely go for this hdfc doctors credit card. If you’d like to compare any alternative cards, you can check out the options given below.

Alternative cards of the doctor regalia hdfc bank credit card: 

  1. BOB icai credit card (Best for lounge access and lifestyle benefits) 
  2. HDFC bank doctors superia credit card (Best for reward points, dining, and professional insurance coverage) 
  3. OLA money sbi credit card (Best for offering cashback on OLA cab booking, and other travel benefits) 

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