HDFC Bank Regalia Credit Card

• Enjoy up to 50 days of interest-free period. 

• Enjoy a low foreign currency mark-up fee of 3.5% when you use your card overseas. 

• Enjoy revolving credit on your HDFC Bank Regalia Credit Card at a nominal interest rate, so you can carry forward part of your outstanding bill instead of paying it in full. 

Benefits and Features of HDFC Bank Regalia Credit Card

Travel Benefits

• Complimentary airport lounge visits: With a complimentary Priority Pass membership, enjoy access to more than 1,000 airport lounges across the globe. The primary member along with the add-on credit cards will get 6 complimentary visits to lounges outside India in a calendar year.
• Cardholders can also enjoy complimentary access to domestic airport lounges, through the Regalia Visa Credit Card Lounge program. Domestic lounge access is now linked to your card spends: you get up to two complimentary lounge access vouchers every calendar quarter once you spend Rs.1 lakh or more in that quarter (see HDFC Regalia Credit Card Lounge Benefits below).
• Travel concierge services: HDFC Bank provides travel concierge assistance service to all its Regalia Credit Card users helping them to customise their travel experience. You can reach the HDFC Bank Regalia concierge service at 1860 425 1188 or by email at regalia.support@smartbuyoffers.co.
• Insurance: Cardholders are eligible for air accident death cover of Rs.1 crore, emergency overseas hospitalisation cover of up to Rs.15 lakh, and credit liability cover of up to Rs.9 lakh.
• Comprehensive air travel cover: Cardholders are eligible for air accident death cover of Rs.1 crore, emergency overseas hospitalisation cover of Rs.15 lakh and credit liability cover worth Rs.9 lakh.
  

Dining Benefits

• Get up to 7.5% off on dining bills at partner restaurants through the Good Food Trail Program via Swiggy Dineout.
  

Renewal benefits

• The renewal fee is waived off if you spend over Rs.3 lakh during the previous year.

HDFC Regalia Credit Card Lounge Benefits

• Effective from 1 December 2023, changes have been made to the Lounge Access Program for the Regalia Credit Card.
• Lounge access eligibility is now determined by your credit card spending.
• Spending Rs. 1 Lakh or more within a calendar quarter (Jan-Mar), (Apr-June), (Jul-Sept), (Oct-Dec) qualifies you for the program.
• Once the spending criteria are met, visit the Regalia SmartBuy page, navigate to Lounge Benefits, and claim your lounge access voucher.
• Each quarter, cardholders can receive up to 2 complimentary lounge access vouchers as part of the milestone benefit.

How to Avail the Lounge Access Voucher with HDFC Regalia Credit Card?

Revised Lounge Access Program for HDFC Bank Regalia Credit Card

• Spend Rs. 1 Lakh or more in a calendar quarter (Jan-Mar), (Apr-June), (Jul-Sept), (Oct-Dec) to qualify.
• Upon meeting the spending criteria, visit the Regalia SmartBuy page, navigate to Lounge Benefits, and generate your lounge access voucher.
• Receive your voucher via SMS/email and open the e-voucher in PDF format, containing a QR code for lounge access.
• Contact the helpline mentioned in your e-vouchers for any concerns while accessing lounge facilities.

Redeeming Voucher Steps:

• Visit the Smartbuy Regalia portal and log in.
• Click on the Regalia Benefits tab, then select Airport Benefit.
• Track your spending in the current quarter under the milestone tab.
• Once the milestone is reached, generate your voucher.

Lounge Access Outside India Using Priority Pass:

• Priority Pass access outside India is not based on spends.
• Apply for Priority Pass after completing a minimum of 4 retail transactions on your HDFC Bank Regalia Credit Card.
• With Priority Pass, you and your add-on member can enjoy up to 6 complimentary lounge accesses per calendar year outside India.
• Exceeding the 6 complimentary visits will incur a charge of US $27 + GST per visit.

Accessing Lounge Outside India Using Priority Pass:

• Present your Priority Pass card upon entering the lounge.
• The lounge staff will process your access and issue a 'Record of Visit' voucher or receipt.
• Ensure the correct usage and guest count on the 'Record of Visit' document.
• Customers exceeding the 6 complimentary visits will be charged US $27 + GST per visit.
• Charges for lounge access within India and for accompanying guests apply accordingly.
• These charges will be billed on your statement post the visit date and won't accrue Reward Points.
• Currency conversion rates apply as per the day's exchange rate.

HDFC Regalia Credit Card Limit

The card limit is at the discretion of the bank and dependent on factors such as your credit score and credit history.

HDFC Regalia Reward Point Benefits

• Earn 4 reward points on every Rs.200 you spend on your card.
  

HDFC Regalia Reward Point Redemption

Reward points earned on your Regalia card expire within 2 years of accumulation. You can redeem your existing points by following the steps below:

• Visit the dedicated HDFC Regalia portal and choose from the list of redemption options.
• Alternatively, you can also choose from the options listed under the 'SmartBuy' section on the HDFC Bank website or on NetBanking.
• Select the voucher/reward and confirm your selection, after which the points stand redeemed.

Fees and Charges of the HDFC Bank Regalia Credit Card

Some of the fees and charges associated with your card can be found below:

HDFC Regalia Credit Card Eligibility Criteria

HDFC Bank has stopped accepting new applications for the HDFC Bank Regalia Credit Card. The eligibility criteria and documents below applied only while the card was open for new sourcing and no longer apply; existing Regalia cardholders can continue using their card as before.

How to Apply for HDFC Bank Regalia Credit Card Online?

HDFC Bank has stopped issuing new HDFC Bank Regalia Credit Cards, so this online application process is no longer available. Existing Regalia cardholders can manage their card through HDFC Bank NetBanking, the HDFC Bank MobileBanking app, or by contacting HDFC Bank customer care. 

Summary

HDFC Bank has stopped issuing new HDFC Bank Regalia Credit Cards, so it is now available only to existing cardholders, who continue to enjoy travel, dining and lifestyle benefits such as airport lounge access, travel insurance cover and reward points on card spends. Check the fees and charges table above for the current joining, renewal and other charges, and manage your card through HDFC Bank NetBanking or the MobileBanking app.

Credit cards make payments easy for all expenses online and offline while offering various benefits

Find a Card >>