HDFC Regalia Credit Card Review
Travel card with lounge access
The HDFC Regalia has a ₹2,500 annual fee + GST, waived on ₹3,00,000 annual spend. It earns 0.53% back on regular spends and up to 5.33% on SmartBuy, with 8 domestic + 6 international airport lounge visits a year. Best for: frequent travellers spending ₹5 lakh+ annually — our verdict: recommended.
A well-rounded premium travel card with 12+6 lounge visits, SmartBuy accelerators, a low 2% forex markup and meaningful 10,000/5,000-point milestones for a ₹2,500 fee. The ₹0.5–0.75 point value and ₹12 Lakh income bar make it best for steady ₹5 Lakh+ travellers.
Travel card with lounge access
The Bottom Line
The Regalia Credit Card is built for frequent domestic traveller and steady high spender. With a ₹2,500 annual fee that is waived on ₹3,00,000 yearly spend, it offers 5.33% rewards on smartbuy and 2,500 bonus points. It makes the most sense if your spending matches frequent domestic traveller and steady high spender.
It earns a base reward rate of 0.53% and stacks best when your spending lines up with Frequent domestic traveller, Steady high 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
IdealThose who will use the 12 domestic + 6 international lounge visits and SmartBuy travel 5X, justifying the ₹2,500 fee.
Spenders reaching ₹5–8 Lakh annually to capture the 10,000 + 5,000 bonus point milestones.
Probably not for
SkipBelow ₹3 Lakh spend there is no fee waiver and the bonus milestones at ₹5–8 Lakh stay unreached.
Those wanting unlimited lounges and ₹1-value points should step up to a flagship card.
Is It Worth It For You?
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Reward Rates
Regalia Credit Card offers 0.53% basic reward rate.
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Welcome Offer
2,500 Reward Points credited on payment of the joining fee (indicative value Rs.500-1,250 depending on redemption channel: Rs.0.20/point cashback to Rs.0.50/point best-value). A separate 'renewal benefit' of 2,500 Reward Points is also credited each year upon payment of the annual/renewal fee (distinct from this one-time welcome bonus).
Milestone Benefits
Annual/renewal fee (Rs.2,500 + GST) is waived if cumulative card spend in the preceding membership year is Rs.3,00,000 or more.
10,000 bonus Reward Points on cumulative retail spend of Rs.5,00,000 in a membership year.
An additional 5,000 bonus Reward Points (cumulative 15,000 RP for the year, including the Rs.5L milestone) on cumulative retail spend of Rs.8,00,000 in the same membership year.
Fees & Charges
Eligibility
- Min Income: ₹12 Lakhs
- Min ₹1 lakh/month salaried or ITR >₹12 lakh self-employed; annual fee ₹2,500 waived on ₹3 lakh annual spend; Visa Signature.
Exclusions & Terms
Forex markup
- Foreign currency markup
EasyEMI
- Spends converted to EMI (EasyEMI) do not earn Reward Points.
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