HDFC Bank Regalia Review 2026: Fees, Rewards, and Lounge Access
Explore HDFC Regalia credit card benefits: 4 points per ₹150 spend, 2% forex markup, and international lounge access. Check if it's still worth holding in 2026.
HDFC Regalia remains a solid mid-premium card for existing users, offering a balanced 1.33% base reward rate and excellent travel perks. However, with the introduction of Regalia Gold, the original card has lost its edge in milestone benefits and unconditional lounge access.
The Luxury Credit Card for Travel and Lifestyle
The Bottom Line
The HDFC Bank Regalia is hDFC Regalia remains a solid mid-premium card for existing users, offering a balanced 1.33% base reward rate and excellent travel perks. However, with the introduction of Regalia Gold, the original card has lost its edge in milestone benefits and unconditional lounge access. With a ₹2,500 annual fee that is waived on ₹3,00,000 yearly spend, it offers 0% rewards on smartbuy flights/hotels and 2,500 bonus points. For anyone researching hdfc bank regalia credit card, the verdict is simple: conditional.
It earns a base reward rate of 0.5333333333333334% and stacks best when your spending lines up with frequent-traveler, lifestyle-spender. The renewal fee gets easier to justify once you can hit ₹3,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealHigh value on flight/hotel bookings and low forex markup for international spends.
Good all-round rewards on retail spends and dining discounts via Swiggy Dineout.
Probably not for
SkipRequires ₹3 Lakh annual spend to waive the ₹2,500 fee and ₹1 Lakh quarterly spend for domestic lounge access.
Is It Worth It For You?
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Reward Rates
HDFC Bank Regalia offers 0.5333333333333334% basic reward rate.
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Welcome Offer
2,500 Reward Points On payment of joining fee
Milestone Benefits
10,000 Bonus Reward Points
5,000 Additional Bonus Reward Points
Fees & Charges
Eligibility
- Min Income: ₹12 Lakhs
- Min Credit Score: 750
- Sourcing for new Indian resident customers has been stopped; existing cardholders can continue using the card. Minimum monthly income of ₹1 Lakh for salaried or ITR > ₹12 Lakhs for self-employed was the standard requirement.
Exclusions & Terms
Fuel
- Fuel transactions are excluded from reward points but eligible for surcharge waiver.
Wallet Load
- Wallet loading transactions do not earn reward points.
Cash Advance
- Cash withdrawals do not earn reward points.
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Frequently Asked Questions
3 data-backed answers from our card database