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HDFC Bank
HDFC Regalia Credit Card
4.0Best for online shopping
Lounge access
- Joining fee
- ₹2,500
- Annual fee
- ₹2,500
- Welcome bonus
- ₹2,500
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income
- ₹12,00,000/mo
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Online shopping 5X reward points (25 RP per Rs 200) on select partner brands via SmartBuy (Myntra, Nykaa, Marks & Spencer, Reliance Digital). At ~Rs 0.25/RP = ~3.13% value-back. Partner-brand 5X bonus RP capped at 5,000 RP per month. | 3.13% | — | ₹3,756 |
Everything else Base earn 5 Reward Points per Rs 200 spent (revised 15 May 2026, down from 4 RP per Rs 150). Effective value-back assumes RP valued at ~Rs 0.25 each (statement/products ~Rs 0.20-0.35; flights/SmartBuy up to ~Rs 0.50). 5 RP x Rs 0.25 / Rs 200 = ~0.63%. | 0.63% | — | ₹756 |
| All other spends | 0.63% | — | ₹756 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining fee₹2,500
Annual fee₹2,500
Annual fee waiverRenewal fee waived on annual spend of Rs 4 Lakh (Regalia Gold) within the card year. The legacy plain Regalia waiver was Rs 3 Lakh per the MITC.
Foreign currency markup3.5%
Finance charge (p.a.)45%
Fuel surcharge waiver1%, up to ₹500/mo
Spend milestones
| Annual spend | Benefit | Value |
|---|---|---|
| ₹1,50,000 | Vouchers worth Rs 1,500 (M&S / Myntra / Reliance Digital / Marriott) on quarterly spend of Rs 1.5 Lakh | ₹1,500 |
| ₹5,00,000 | Flight vouchers worth Rs 5,000 on annual spend of Rs 5 Lakh | ₹5,000 |
| ₹7,50,000 | Additional flight vouchers worth Rs 5,000 on annual spend of Rs 7.5 Lakh | ₹5,000 |
Key benefits
- Airport lounge access — 3/quarter domestic, 6/year international (Domestic lounge access (3 visits per quarter) requires minimum spend of Rs 60,000 in the preceding calendar quarter (condition added in May 2026 revision). International access via Priority Pass (6 visits/year) has no spend gate.)
- 6 complimentary international airport lounge visits per year via Priority Pass
- Complimentary Swiggy One and MakeMyTrip BLACK Gold memberships on activation
- Smartbuy Boarding Edge Program: choose any 2 per quarter from Spa, Buffet, Hotel Room Upgrade or Airport Transfer by uploading boarding pass
- Accelerated 5X reward points on partner brands (Myntra, Nykaa, M&S, Reliance Digital) via SmartBuy
- Reward points redeemable for flights/hotels at up to ~Rs 0.50 per point via SmartBuy
What we like
- +Strong travel benefits: 6 international Priority Pass + 12 domestic lounge visits per year
- +Low Rs 2,500 fee, fully waivable on Rs 4 Lakh annual spend
- +Up to Rs 12,500 in milestone vouchers per year on high spends, plus Rs 2,500 welcome voucher
- +Complimentary Swiggy One and MMT BLACK Gold memberships add easy first-year value
What to watch
- −Base reward rate is modest (~0.63% effective) and was cut in the 15 May 2026 revision (5 RP/Rs 200 from 4 RP/Rs 150)
- −Domestic lounge access now spend-gated at Rs 60,000 per preceding quarter (May 2026 change)
- −High 3.5% foreign currency markup makes it weak for overseas spends
- −Plain 'HDFC Regalia' is effectively discontinued; new applicants are issued 'Regalia Gold', so legacy Regalia terms no longer apply
Compare with similar cards
- Top reward
- 33%
- Annual fee
- ₹12,500
- Welcome bonus
- ₹12,500 value
HDFC BankHDFC Bank Diners Club Black Credit Card
- Top reward
- 33.33%
- Annual fee
- ₹10,000
