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HDFC Regalia credit card: fees, features & benefits

HDFC Regalia credit card: fees, features & benefits

December 30, 2021
10 min read
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enjoy a card befitting royalty

the HDFC Regalia credit card promises ultimate benefits on travel, entertainment, lifestyle, and more, along with high reward points on shopping. this card is a sheer delight for people who travel frequently as it provides special access to lounges, club memberships, and premium hotel benefits as well as lifestyle benefits.
does this sound like a card that you'd like to own? look no further, as we've got your questions all taken care of.



travel and lifestyle benefits

free club Vistara membership and 9 CV points every time you spend ₹100 on all Vistara bookings
extra 5 kg baggage allowance
access to 1000+ airport lounges across the world through priority pass membership
free access to 6 international lounges every year for cardholders and add-on members

dining discounts

free Zomato Gold membership
attractive discounts at premium partner restaurants across India

unique financial benefits

1-2.5% convenience fee waiver on fuel transactions between ₹400-₹5000
50 days of interest free credit period
welcome bonus of 2500 reward points
lowest currency markup of 2% on all currency expenses

attractive rewards

4 reward points on expenditure of ₹150 using HDFC Regalia credit card
double reward points on bookings made through the official website of HDFC Regalia
ability to convert reward points into air miles of top domestic and international airlines

protection in emergencies

cover of ₹1 crore for your nominee in case of your air accidental death
treatment worth ₹15 lakhs if you have a medical emergency while travelling

annual expenditure benefit

15,000 reward points for annual expenditure greater than ₹8 lakhs from the date of card issue
10,000 reward points for annual expenditure greater than ₹5 lakhs from the date of card issue

how do i apply for the HDFC Regalia credit card?

  • go to and click on products > cards > credit card. next, click on ‘view all cards’.
  • in the category of super premium credit cards, click on ‘Regalia’.
  • an image of the card will appear along with the ‘apply online’ button.
  • by clicking ‘apply online’, a credit card application form will load. in that form, fill your personal details including your PAN card number and income. once you have filled the details, click on the ‘submit’ button.
  • the bank will then verify your details and approve/reject your application based on the eligibility criteria.
  • after you have applied for the credit card, you can also track your HDFC application status online or get in touch with the HDFC customer care.
  • you also have the option of applying for the Regalia credit card by visiting the nearest branch of HDFC Bank.

am i eligible for the card?

the eligibility criteria for HDFC Regalia card is different for self-employed and salaried individuals:

salaried individuals

  • the applicant should be in the age group of 21-60 years
  • the monthly income of the applicant should be greater than ₹1.2 lakhs

self-employed individuals

  • the applicant should be in the age group of 21-65 years.
  • the income tax return filed by the applicant should be greater than ₹12 lakhs per annum.

what documents do i require for the application?

  • one identity proof (Aadhaar card, PAN card, driving license, voting card)
  • address proof (includes documents like passport, electricity bill, gas bill)
  • income proof which includes latest ITR documents and Form 16
  • passport-size coloured photographs

types of charge


annual fee

₹2,500 + taxes

renewal charges

₹2,500 + taxes

late payment charges

₹100-₹750 depending on the payment pending

interest charged on amount carried forward to next month


card replacement charges


overlimit charges

2.5% of the overlimit amount

fees charged for redeeming reward points


returned payment fee

2% of the total amount

balance transfer charges

1% of the money transferred

cash advance fees

2.5% of the total amount withdrawn

foreign currency transaction charge

2% mark up

minimum repayment amount

5% of the total amount

cash processing fee


frequently asked questions (FAQs)

what is a CVV number?

a CVV is a card verification value which is a 3-digit number printed at the back of your credit card. this number is required when you are doing an online transaction.

can this card be used as a swipe card?

yes, the magnetic strip on the credit card allows you to make payments by swiping the card.

how much GST will be charged on my HDFC Regalia credit card?

the GST amount charged will be 18% of the total bill.

do i have to pay the renewal fee every year?

if you spend ₹3 lakhs and above in one year, the renewal fee is waived off for the succeeding year.

what is the benefit of using a chip card?

a chip card has an embedded microchip which is encrypted. this chip increases security making your transaction risk-free.

how do i contact the customer service of HDFC Regalia credit card?

to contact the customer service of HDFC Regalia credit card, you can dial this toll-free number - 1800 209 4006. you can also drop an email at you can always visit the nearest branch for any queries or help.

can i withdraw money using this card?

yes, you can withdraw cash on a HDFC Regalia credit card at an advance fee of 2.5% on the total withdrawal amount.

what is the validity of reward points on HDFC Regalia credit card?

the reward points are valid for a period of 2 years.

how do i redeem my reward points?

there are quire a few ways to redeem your reward points. here are some:

  • you can redeem your reward points as discount vouchers on products available in the rewards catalogue. 
  • you can download the reward redemption form online and mail it to the customer service email address of HDFC Regalia credit card.
  • you can always get in touch with a customer service representative and they will help you with the process involved in redeeming the reward points.

what are the overlimit charges?

the overlimit charge is 2.5% of the overlimit amount. it is recommended to make your HDFC credit card payment on time to avoid paying overlimit charges. this will also help you improve your CIBIL score.