A Credit Card is a necessary evil these days. Banks are coming up with new and unique features every day to lure the customers. If you’re planning to get a Credit card but can’t decide which one to get, then we’ve got you sorted. Here is a detailed review and everything you need to know about this Super Premium Credit Card offered by HDFC bank i.e. HDFC Regalia Credit Card.

This is a Super Premium Card which offers world-class privileges and great saving opportunities.


Self Employed
Age 21 years – 65 years
Income ITR> Rs.12 lakhs per annum
Age 21 years – 60 years
Income Gross Monthly Income> Rs.1,20,000
  • First Year Membership Fee – Rs.2500/- + Applicable Taxes, Renewal Membership Fee – Rs.2500/- + Applicable Taxes
  • Welcome Benefit of 2500 Reward Points and renewal benefit of 2500 Reward Points.
  • Spend Rs.3L in 12 Months and get Renewal Fee waived for next renewal year.

HDFC Regalia Card Features and Offers
Regalia cardholders enjoy Complimentary Club Vistara Silver Membership which offers :

  • 9 Club Vistara points for every INR 100 spent on All Vistara Flights.
  • Additional 5 Kg Baggage allowance.
  • Priority Airport Check-in and Wait list Clearance.

Annual Spends Benefits –

  • Earn 15,000 Reward Points on annual spends of Rs.8,00,000 or more in each year.
  • Earn 10,000 Reward Points on annual spends of Rs.5,00,000 or more in each year.

Airport Lounge Access –

  • Customers can get a complimentary priority pass which lets them access at over 1000+ airport lounges worldwide. User can avail discounts on all the services at lounges. You can add one more member to your card as an add-on who can also enjoy the same services.
  • Lounge visits worldwide will cost you US $27 + GST per person.
    (Users can avail exclusive Dining Privileges at Premium selected restaurants across India.)


Rewards and Cash Backs –

  • Users earn 4 reward points for every Rs.150 spent. (Rs.2 on every Rs.150)
  • These points can be redeemed for Travel Bookings.
  • These points can also be used to get exciting gifts from the exclusive HDFC Regalia Credit Catalogue.
    (Note: Reward points are valid only for 2 years from the date of accumulation)


Preferential Financial Benefits –

  • Foreign currency markup of 2% + GST on all foreign currency spends.
  • 1% fuel surcharge waived off on fuel transactions. (Maximum cash back of INR 500)
  • You get up to 50 days of interest free credit and you can also carry forward the balance amount to next month at an extremely low interest charge of 3.49% + GST.


Travel Concierge Services –

  • With HDFC Regalia Card, user can customize his travel and entertainment experience with the help of HDFC Travel Concierge Assistance.
  • So, anytime you want to book a flight or accommodations, Travel Concierge will do that for you.
  • Also, this service is accessible 24 hours.


Exclusive Travel Portal –

  • With HDFC Regalia Card, users are provided with an exclusive online portal.
  • Here, one can easily and instantly redeem his points against
  • Airline ticket bookings.
  • Hotel bookings.


Comprehensive Protection –

  • HDFC bank definitely cares about its customers and hence they offer comprehensive insurance* covers against various risks one might face.
  • Air Accidental Death wherein the nominated person receives a compensation amounting to Rs.1 crore.
  • Protection worth up to Rs.15 lakhs against any Medical Emergency when you are travelling, and are outside your home country.

(Note: Above Mentioned Insurance Protection is only provided to Premium Card Holders).

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