The hdfc bank regalia credit card is one of the most popular credit cards available in India. Although for the last couple of years, it is losing its popularity due to its losing benefits, it still offers plenty of benefits such as priority airport lounge access, dining offers, very low hdfc credit card international transaction charges which are adding lots of new users every month.
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What are the hdfc regalia credit card eligibility Criteria?
- Resident Type: Indian
- For salaried person:
- Age: 21 – 60 yrs
- Income: Gross Monthly Income> Rs. 1,20,000
- For self-employed person:
- Age: 21 – 65 yrs
- Income: Income Tax Return > Rs. 12 Lakhs per annum
- Good Credit Score (750 or more).
As you submit your application, you will get a unique application id. You can use that to track your hdfc bank regalia credit card application status from the status tracking page.
What documents are required to apply for the hdfc bank regalia 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
- Salaried Person (any 1)
As per the new credit card rules all new credit cards are delivered in an inactive state, and to start using the card the user needs to activate it manually by generating a new credit card PIN. You can find more about hdfc bank regalia credit card activation process from the 100xGain hdfc credit card faq.
How much are the hdfc bank regalia credit card fees?
- HDFC regalia credit card joining fee: Rs.2,500 (which can become free if you spend Rs.60,000 within 90 days of getting the card).
- HDFC regalia credit card annual fee: Rs.2,500 (spending Rs.3 lakh within 1 year will wave off the annual fee).
What are the hdfc bank regalia credit card benefits?
Here is the list of regalia hdfc credit card benefits which surely will blow your mind.
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Make your every transaction rewarding with a powerful hdfc bank regalia credit card rewards scheme:
This hdfc bank regalia credit card features a powerful reward scheme that can make your every transaction rewarding. The details are given below
| Category of transactions | Rate of earning hdfc bank regalia credit card reward points |
| Rs.150 transactions made on retail shopping. | 4 reward points. |
| On spending Rs. 5,00,000 within 1 year. | 10,000 reward points. |
| On spending Rs. 8,00,000 in a year. | 15,000 reward points. |
HDFC regalia credit card reward points redemption can be done on the SmartBuy dedicated portal or from the hdfc regalia credit card rewards catalogue. You can also check the status of your earned reward points from the hdfc regalia credit card net banking account.
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Make your travel more luxurious with complimentary hdfc regalia credit card lounge access:
Under the hdfc credit card priority pass membership, you will get 12 free access to domestic and another 6 free access to international airport lounges.
To activate the hdfc bank regalia credit card priority pass membership, you just have to use the card minimum of 4 times on retail transactions. Click here for the participating hdfc bank regalia credit card airport lounge access list.
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Enjoy exclusive deals on online food orders:
This hdfc bank regalia credit card offers a complimentary 1-year Zomato gold membership which offers you a complimentary dish or up to 2 complimentary drinks on every visit to the gold food partner restaurants. The membership will be unlocked after spending Rs. 75,000 within the first 3 months of your regalia hdfc credit card activation.
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Enjoy freedom from fuel surcharges:
The hdfc regalia credit card offers a 1% waiver on fuel surcharges. This offer is applicable at every major fuel station in India, and on transactions between Rs. 400 to Rs. 5000.
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Complimentary hdfc credit card insurance coverage to stand for you in unfortunate events:
You will also get complimentary insurance coverage with this hdfc bank visa regalia credit card, the details are given in the table below.
| Particulars | Total coverage amount |
| Air accidental death | Rs. 10,00,00,00 |
| Emergency overseas hospitalization | Rs. 15,00,000 |
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Complete lost card liability coverage to support you in emergencies:
You will get complimentary lost card liability coverage with this card, which means if your card ever gets lost or stolen, you just have to report the loss by calling the hdfc bank regalia credit card customer service number and you will not be liable for anything bad that may happen to your account.
You can also block hdfc credit cards from your hdfc regalia credit card online banking account. Visit our faq page to know the complete procedure.
What are the hdfc bank regalia credit card charges?
| Particulars | Payable Amount |
| Cash Withdrawal Charge | 2.5% of the amount or a minimum of Rs.500. (applicable once per withdrawal) |
| Regalia hdfc bank credit card finance charge | The hdfc regalia credit card interest rate is 3.49% per month that is 41.88% annually. |
| HDFC bank regalia credit card international transaction charges | 2% against the transaction amount. (applicable once per transaction) |
| Add-on card fee | For this card, the hdfc credit card add on card is Free for a lifetime. |
How to contact hdfc credit card customer care department?
- Call the hdfc credit card customer care number: 1800-266-4332 (Toll-free) or 022-6160-6161
- Write to the hdfc credit card customer care email id: customerservices.cards@hdfcbank.com
100xGain Ratings:
8/10
Pros and Cons:
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Final Verdict:
Undoubtedly, this is one of the best credit cards available in India. From powerful rewards to complimentary lounge access, this card has everything luxurious you can expect at this price point. But if you are not satisfied with the benefits of hdfc regalia credit card then there are some alternative cards given below. You should take a look at them. You can also take a look at our best credit card pages.
Alternative Cards:
- AU Small Vetta. (Best for reward points and lounge access benefits)
- hdfc infinia credit card. (Best for reward points and lounge access benefits)
- RBL Practo Plus Credit Card. (best for lounge access and earning health points)
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