Doctor’s Regalia HDFC Credit Card Review

The Doctor’s regalia hdfc bank credit card is a specially curated credit card for doctors. It serves both as a credit card and a shield that protects you from unfortunate events caused by professional negligence.

Apart from that, you will get a number of premium privileges and benefits like, free domestic and international lounge access, reward point on every transaction, exclusive dining privileges, and lots of other useful hdfc bank regalia credit card features that can save you a lot of time. This card costs Rs. 2,500 per year, now let’s discuss the benefits in detail. 

Required Eligibility For HDFC Bank Credit Card:

This card is specially designed for doctors.

  • Resident Type: Indian
  • 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. 
  • 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 is mandatory to apply for this card. 

You can apply for hdfc regalia credit card form then hdfc bank credit card online application page. But if you don’t like the online application method, then you can just walk to your nearest HDFC credit card branch and apply for hdfc bank credit card from there. Click here to know the complete process.

Required Documents To Apply For 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.


  • Joining Fee: Rs. 2500 + GST
  • HDFC Doctor’s regalia credit card annual fee: Rs. 2500 + GST

HDFC Doctor’s Regalia Credit Card Benefits

  • Exclusive reward points:

This HDFC regalia credit card offers reward points on almost each spends made with this card. For every Rs. 150 retail transactions made with this card (including utilities, insurance payments, and rent payments) you will get 4 hdfc regalia credit card reward points.  You will get a maximum of 2000 points per day for Insurance premium payments. 

You will not get any 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 hdfc regalia credit card rewards catalogue

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

  • Free hdfc regalia credit card lounge access:

Under the hdfc regalia airport lounge access program, this card offers up to 12 free accesses to most of the domestic and international lounges. 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 Priority Pass membership (both for you and your add-on members), the hdfc regalia priority pass membership gives you 6 free accesses per year to most of the overseas airport lounges. You can find the hdfc regalia lounge access list from the Priority Pass website

  • Premium dining experience:

This regalia credit card features exclusive benefits on dining. On spending Rs. 75,000 in a quarter, you will get complimentary membership of the Dineout Passport program. This membership 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.  

  • Freedom from fuel surcharge:

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

  • Additional benefits on milestone spend:

Depending on your hdfc credit card usage you can earn some extra benefits from your card. The HDFC Doctor’s Regalia Card’s 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 bonus points. 
  • Professional insurance coverage:

This Doctor’s regalia hdfc credit card acts as a safeguard for your professional career. You will get the protection of Rs. 20 lakh, against the unfortunate events caused by professional negligence. This Insurance Scheme gives you protection against death/injury of patients caused by negligence, defense-related expenses, etc. You can find more about the hdfc bank credit card policy details here

  • Accidental insurance coverage:

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

Particulars Total coverage amount
Air accidental deaths.  Rs. 1 Crore. 
Emergency hospitalization (overseas)  Rs. 15 lakh. 
Credit shield.  Rs. 9 lakh. 
  • Always helpful concierge service:

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 mail at [email protected]m 

  • 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 HDFC credit card from the hdfc credit card internet banking account

HDFC Regalia Credit Card Charges:

Particulars Payable amount
Charges for cash withdrawal from hdfc credit card 2.5% against the withdrawn amount, min Rs. 500
Finance charges in hdfc credit card 3.6% monthly or 43.2% annually.
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 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.

HDFC Regalia Customer Care Contact Details:

  • Call the hdfc regalia credit card customer care no: 1800-266-4332 (Toll-free) or 022-616-6161
  • Write to the hdfc credit card mail id: [email protected] 

100xGain Ratings:


Final Opinion:

If you are a doctor and you want a credit card that can fulfill your professional needs, then this card will be a good option for you. With free domestic and international lounge access, reward points, 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 is 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 card. 

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