Who is eligible for the HDFC Doctor's Regalia Credit Card?

This card is exclusively for doctors. Salaried doctors need a monthly income of ₹1.2 Lakhs, while self-employed doctors need an annual ITR of ₹12 Lakhs.

What is the value of 1 Reward Point?

The value depends on redemption: ₹0.50 for flights/hotels via SmartBuy, ₹0.50 for Airmiles, up to ₹0.35 for products/vouchers, and ₹0.20 for statement credit.

How can I get the annual fee waived?

The renewal fee of ₹2,500 is waived if you spend more than ₹3,00,000 in the preceding 12 months.

All Cards

HDFC Bank

Visa

HDFC Bank Doctor's Regalia Credit Card

5.0/ 5

The elite circle of privileges for medical professionals

Annual Fee

₹2,500

Base Rewards

0.5%

Forex Fee

3.5%

Expert Verdict

The HDFC Doctor's Regalia is a specialized version of the popular Regalia card, uniquely offering Professional Indemnity Insurance which is vital for medical practitioners. It balances high reward earning on essential categories like utilities with premium travel perks.

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Quick Match

Is this card right for you?

Your monthly spending

You mostly spend on

70%

This card could work well for you

Estimated annual value+₹1,150

Your Estimated Value

at ₹50,000/mo

Year 1

+₹1,950

Includes ₹1,250 bonus

Year 2+

+₹700

Fee waiver eligible!

0.5%effective rate

Why get this card

Professional Indemnity Insurance cover of ₹20 Lakhs against professional negligence claims

High reward rate of 4 RP per ₹150 spent including utilities and insurance

Comprehensive travel insurance including ₹1 Crore Air Accident Death cover

Low foreign currency markup of 2% for international spends

Watch out for

High annual spend of ₹3 Lakhs required for fee waiver
Reward point value is low (₹0.20) for statement credit/cashback
Priority Pass membership requires 4 retail transactions to activate

Who is this card for?

Best for

medical professionals

Doctors seeking professional liability protection alongside premium lifestyle and travel benefits.

Min: ₹50,000/mo

Skip if you're

low spenders

Users who cannot meet the ₹3 Lakh annual spend threshold to waive the ₹2,500 renewal fee.

Base Earning

4 Reward Points

per ₹150 spent

0.5%

effective rate

Point value: ₹0.20/point

Bonus Categories

SmartBuy - TRAVEL

10×

5.33% return

5000 pts/month

Welcome Offer

Welcome points credited upon payment of the joining fee.

2,500

points

₹1,250

value

Milestones

Spend ₹5.0L

Earn 10,000 bonus reward points on reaching ₹5 Lakhs annual spend.

Spend ₹8.0L

Earn an additional 5,000 bonus reward points on reaching ₹8 Lakhs annual spend.

No rewards on:

Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions

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