HDFC Bank Regalia Credit Card
lock Secure redirect to the bank's official site. CredSutra does not store your application data.
Community Consensus
Consensus Note: HDFC Bank Regalia Credit Card issued by HDFC Bank remains a flagship choice for Travel bookings, lounge benefits, & SmartBuy shopping. Verified user discussions highlight strong yields on spending thresholds.
At-A-Glance Quick Facts
AI Verdict CredSutra Engine
Synthesized objective algorithmic score
The HDFC Bank Regalia Credit Card issued by HDFC Bank offers competitive value for Travel bookings, lounge benefits, & SmartBuy shopping. Audit your monthly spending against its ₹2,500 + GST fee structure.
Key Trade-offs & Considerations
- ⚡ Annual fee of ₹2,500 + GST
- ⚡ Lounge access policy: Complimentary Domestic and International Lounge Access
- ⚡ Reward rate: 4 points per ₹150 spent
Key Benefits & Characteristics
Category Rewards Multiplier Matrix
| Spend Category | Earning Multiplier / Return Rate |
|---|---|
| flight Travel & Flights | 2% to 5% points |
| shopping_cart Online Shopping & SaaS | 1% to 5% cashback |
| storefront Offline Retail Stores | 1% reward points |
| account_balance Government & Tax Pay | 0.5% (Caps apply) |
| house Rent & Wallet Loads | Excluded / 1% surcharge |
receipt_long Fee & Surcharge Breakdown
Detailed Analysis & Review
Deep-Dive Review: HDFC Bank Regalia Credit Card
Community Verdict
[!NOTE] The HDFC Regalia Credit Card is a legendary premium credit card in the Indian personal finance space. Despite multiple devaluations and the introduction of spend-based domestic lounge criteria, it remains a robust entry-point to travel hacking through SmartBuy miles transfers and Priority Pass lounge bookings.
Pros
- Decent Travel Miles Conversion: Point transfers to international airline partner miles (Singapore Airlines, Marriott Bonvoy, etc.) at 1 RP = 0.50 Airmile.
- High SmartBuy Booking Value: Up to ₹0.50 per point value for flights/hotel bookings on the dedicated HDFC SmartBuy portal.
- Priority Pass Included: Priority Pass membership is included, providing up to 6 complimentary international lounge visits per calendar year.
- Milestone Rewards: Get 10,000 Reward Points on annual spends of ₹5 Lakhs, and an additional 5,000 points on annual spends of ₹8 Lakhs.
- Renewal Fee Waiver: The ₹2,500 annual renewal fee is waived on annual spends of ₹3 Lakhs or more.
Cons
- High Domestic Lounge Spend Barrier: Domestic lounge access is subject to spending ₹1 Lakh or more in the preceding calendar quarter.
- Low Statement Cash Value: Direct statement cashback value is extremely low at ₹0.20 per point.
- No Rewards on Rent: Rent payments do not earn points and attract a 1.5% processing fee + GST.
- No Rewards on Fuel: Fuel surcharge transactions do not earn reward points.
- Zero Government & NPS Rewards: Transactions with government agencies, tax payments, and NPS contributions are completely excluded from rewards.
- No Education Rewards: Tuition fees and education payments do not earn any reward points.
- No Wallet Rewards: Loading digital wallets is excluded from reward point accrual.
Reward Spends & Categories
Understanding how your card earns is critical to maximizing your monthly budget. The HDFC Bank Regalia Credit Card delivers a reward yield of 4 points per ₹150 spent with the following earning rates per category:
| Category Spend | Earning Rate / Reward Points |
|---|---|
| ✈️ Flights & Hotels (SmartBuy) | up to 10X Points (10% return, capped at 4,000 bonus points/month) |
| 🛍️ Online Shopping | 4 points per ₹150 spent (approx 1.33% return) |
| 🛒 Offline / Retail Spends | 4 points per ₹150 spent (approx 1.33% return) |
| 🥦 Groceries | 4 points per ₹150 spent |
| 💡 Utilities | 4 points per ₹150 spent |
| 🎓 Education Transactions | 0% (No points) |
| 🏛️ Government & NPS Payments | 0% (No points) |
| 🏠 Rent Transactions | 0% (Rent spends completely excluded, 1.5% fee applies) |
| ⛽ Fuel Transactions | 0% (Surcharge waiver applies, no points earned) |
| 💳 Wallet Loads | 0% (No points) |
| 🛡️ Insurance Payments | 4 points per ₹150 spent |
Reward Point Redemption Value
When redeeming your accumulated points, select the highest value redemption channel:
- SmartBuy Bookings: Value of 1 Point = ₹0.50 (Redeem up to 70% of flights/hotels booking value)
- Airmiles (Flight Transfers): Value of 1 Point = 0.50 Airmile
- Cash Vouchers (Brand Catalog): Value of 1 Point = ₹0.25
- Cash / Statement Credit: Value of 1 Point = ₹0.20
Airport Lounge & Travel Perks
Lounge benefits are subject to spend milestones for domestic terminals:
[!IMPORTANT]
- Domestic Lounges: 12 complimentary domestic lounge visits per year (3 per quarter). Unlocked by spending ₹1 Lakh or more in the preceding calendar quarter.
- International Lounges: 6 complimentary international lounge visits per calendar year via Priority Pass (no spend milestone required for international visits).
- Guest Access: Chargeable at standard lounge network fees.
For official terms, interest rates, and applications, refer to the Bank Reference Page.