HDFC Bank Regalia Credit Card
HDFC Bank
Last verified: 24 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
HDFC SmartBuy - flight bookings (channel, not an MCC: merchant hdfc-smartbuy-travel, input flights) | 5% | ₹2,000/monthly |
HDFC SmartBuy - hotel bookings (channel, not an MCC: merchant hdfc-smartbuy-travel, input hotels) | 10% | ₹2,000/monthly |
| All other spends | 1% | No cap |
Redemption fee: 99
Managed via HDFC Bank SmartBuy, HDFC Bank NetBanking
Transfer partners
Live Offers
321 activeTJHDFC15Till 31 DecBenefits
Lounge Access
2 domestic visits/quarter
1.5 international visits/quarter
Up to 2 complimentary domestic lounge vouchers every quarter for the primary and add-on member, conditional on ₹1 lakh of spend in the preceding calendar quarter. A Priority Pass can be applied for after 4 card transactions, giving up to 6 complimentary international visits a year.
Fuel Surcharge Waiver
Fuel earns NO Reward Points on this card. HDFC also charges 1% on fuel transactions above ₹15,000, capped at ₹4,999 per transaction, w.e.f. 1 October 2025.
Welcome Benefit
2,500 Reward Points as a welcome benefit
Annual Benefit
2,500 Reward Points on renewal
2,500 Reward Points are credited on renewal — ₹1,250 at the ₹0.50 rate — but ONLY after the membership fee is actually realised. They are not granted when the fee is waived, so chasing the fee waiver forfeits them.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹2,500/yr |
| Renewal Fee | ₹2,500/yr |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn, subject to a minimum of ₹500. |
| Reward Redemption Fee | 99 |
