HDFC Bank Regalia Activ Review 2026: Fees, Rewards & Lounge Access
Explore HDFC Regalia Activ credit card benefits: 4 RP per ₹150, 12 domestic lounge visits, and 2% forex markup. Check eligibility and annual fee waiver details.
The HDFC Regalia Activ is a robust premium card, particularly attractive for HDFC Home Loan customers due to potential fee waivers. It balances travel perks with a solid reward structure, though the spend-based lounge access is a hurdle for moderate spenders.
Elevate your lifestyle with premium travel and reward benefits.
The Bottom Line
The HDFC Bank Regalia Activ is the HDFC Regalia Activ is a robust premium card, particularly attractive for HDFC Home Loan customers due to potential fee waivers. It balances travel perks with a solid reward structure, though the spend-based lounge access is a hurdle for moderate spenders. 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 activ credit card, the verdict is simple: recommended.
It earns a base reward rate of 0.5333333333333334% and stacks best when your spending lines up with Frequent Traveler, Home Loan Customers. The renewal fee gets easier to justify once you can hit ₹3,00,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealOffers low forex markup and both domestic and international lounge access.
Often available with a 3-year annual fee waiver for HDFC Home Loan clients.
Probably not for
SkipThe ₹3 Lakh annual spend requirement for fee waiver and ₹1 Lakh quarterly spend for lounge access may be hard to meet.
Is It Worth It For You?
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Reward Rates
HDFC Bank Regalia Activ offers 0.5333333333333334% basic reward rate.
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Welcome Offer
On payment of joining fee
Milestone Benefits
Bonus Points
Bonus Points
Fees & Charges
Eligibility
- Min Income: ₹12 Lakhs
- Min Credit Score: 750
- Salaried: Monthly income > ₹1 Lakh. Self-Employed: ITR > ₹12 Lakhs per annum. Often offered as a bundled product for Home Loan customers with a 3-year fee waiver.
Exclusions & Terms
Fuel
Rent
Wallet Loading
Government Transactions
Cash Advances
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Frequently Asked Questions
2 data-backed answers from our card database