The HDFC Regalia Credit Card is a unique and highly popular premium credit card in India. For many years, professionals and travellers have kept this card on their first choice list.
This card is not for ordinary people; it is primarily for those who prefer a luxurious lifestyle, accustomed to premium experiences. Can the HDFC Regalia Credit Card hold its own among the many new cashback and travel cards available in 2025?
Let’s read this article to find out in simple language.
Features of HDFC Regalia Credit Card
This card is no ordinary card. The HDFC Regalia Card is for those who travel a lot, eat expensive meals at fine restaurants, and enjoy a premium lifestyle. This card is a card that offers premium-level features on the one hand, and on the other hand, is very reasonable in terms of fees.
Premium features of this card:
- You will get reward points for every spend.
- You will get free airport lounge access.
- You will receive travel and insurance protection.
- Get exclusive dining offers.
Let’s find out in a little more detail.
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HDFC Regalia Card Benefits
1. Reward Points That Make Sense
When you spend ₹150 on booking tickets, shopping, or paying any bills, you will get 4 reward points. You can redeem these points for a flight, hotel or vouchers through the HDFC Smart Buy portal.
* 1 point = ₹0.50, if used for travel booking. This means your spending will gradually turn into free trips.
2. Airport Lounge Access (Domestic + International)
From this card, you will get:
- Domestic Lounge: You will get free access multiple times a year.
- International Lounge: Get free access six times a year (via Priority Pass)
This is a great advantage for those who travel often.
3. Insurance and Protection
HDFC Regalia Credit Card has:
- Air accident cover ₹1 crore.
- Medical emergency cover abroad ₹15 lakh.
- Travel assistance and credit liability cover.
This is a type of security for users who like to travel.
4. Milestone Rewards
Spend more, earn more:
Hit ₹5 lakh in annual spending and get 10,000 bonus points. Reach ₹8 lakh and get 5,000 more.
If you use these bonuses regularly, it is very easy to obtain them.
5. Dining and Lifestyle Privileges
HDFC’s Good Food Trial Program offers discounts of up to 15% at select premium restaurants across the country. There are also many more special offers available for hotels and travel partners.
Fees, Charges & Waiver Conditions
Let’s talk numbers — because every benefit matters only if it’s worth the cost.
| Type | Amount |
|---|---|
| Joining Fee | ₹2,500 + GST |
| Renewal Fee | ₹2,500 (waived if you spend ₹3 lakh/year) |
| Interest Rate | 3.6% per month |
| Forex Markup | 2% on international transactions |
| Cash Advance Fee | 2.5% (min ₹500) |
Now here’s the deal: if you’re a regular spender (₹25,000 per month or more), you’ll easily hit the ₹3 lakh threshold — meaning the card becomes free for you.
Advantages and Disadvantages (The Honest Take)
| Advantages | Disadvantages |
|---|---|
| Strong reward rate (4 points/₹150) | High income requirement |
| Free lounge access worldwide | Not ideal for cashback lovers |
| Bonus rewards for heavy spenders | Reward redemption fee ₹99 |
| Travel & insurance benefits | Annual fee if low spending |
This card shines for travel and lifestyle users, not so much for those who prefer simple cashback models like Axis Ace or Amazon Pay ICICI Credit Card.
Who should apply for the HDFC Regalia Credit Card?
The HDFC Regalia Credit Card is best for:
- Those who travel several times a year.
- Those with a monthly income of one lakh or more.
- Those who prefer a premium lifestyle.
If you travel a lot for work, vacation, or other reasons, this card will give you a premium feel without breaking the budget.
A small Reward Redemption Example
Let’s say you spend 50,000 a month. That means you spend 6 lakhs a year. If you spend 6 lakhs a year, you will get around 16,000 reward points, which means a travel credit worth 8,000. With this, the total reward value exceeds 10,000 if you take the milestone bonus.
That is, for a fee of 2500, you are getting 10,000+ return.
Final Opinion – Should You Get It in 2025?
If you travel a lot or want to get premium benefits along with a premium lifestyle, then in one word, yes, you should definitely get the HDFC Regalia Credit Card.
On the one hand, it offers many luxurious benefits such as lounges, insurance, and travel points, and on the other hand, it doesn’t cost much.
Visit the official HDFC Bank Regalia Credit Card page for updated details. Learn more about RBI’s official credit card usage and billing guidelines.”
Best For: Frequent travellers & professionals
Not For: Cashback-only users or low spenders
Overall Rating: ⭐️⭐️⭐️⭐️☆ (4.5/5)
Quick FAQs
What is the joining fee for HDFC Regalia Credit Card?
₹2,500 + GST (waived if you spend ₹3 lakh annually).
Does it offer international lounge access?
Yes, 6 complimentary visits per year through Priority Pass.
Can reward points be converted to cash?
Yes, points can be redeemed as statement credit, though travel redemption offers better value.
What is the eligibility income?
At least ₹1 lakh/month (salaried) or ₹12 lakh annual ITR (self-employed).