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HDFC Bank Regalia Credit Card is a premier lifestyle card offered to select customers. Customers enjoy an array of lifestyle perks like complimentary airport lounge access, Zomato Gold membership, and reward points. Annual fee is Rs. 2500+GST and the one-time joining fee is Rs. 2500+GST. Fuel surcharge waivers are also available. Check your eligibility and get quick approval with CreditMantri.
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HDFC Bank has many attractive credit card offers for its customers depending upon the type of card, the applicant’s age and income. HDFC credit cards provide customers with exclusive lifestyle benefits, travel and insurance benefits along with many other complimentary memberships, etc. Check out everything you need to know about the HDFC Bank Regalia Credit Card, a lifestyle credit card from HDFC Bank.
The HDFC Bank Regalia Credit Card has numerous features and benefits like welcome gifts, reward points, lifestyle benefits, priority customer service, fuel surcharge waiver, travel and insurance benefits, etc. Given below are the details of such benefits that can be received by the credit card holder and the various privileges provided along with it.
HDFC Bank Regalia Credit card holders receive complimentary gold membership of Zomato. Customers will get a complimentary dish on each visit to a Gold Partner Restaurant. The other welcome offer to choose is up to 2 complimentary drinks on every visit to a Gold Partner Restaurant. Customers have to achieve the minimum set transaction limit of Rs. 75,000 within 90 days of becoming a card holder. This limit is calculated within the first 90 days of holding the card or from the date of realization of the joining fees.
The rewards scheme of this credit card is explained below
Priority customer service
Customers can get priority customer service against this credit card. Customers can get the following facilities like
Travel and Insurance benefits
Customers are also entitled to several travel as well as insurance benefits under this credit card. Customers can get up to 12 complimentary Airport Lounge access to partner airports across the globe within a year. The Visa customers will have to pay an additional transaction fee of Rs. 2 for lounge access whereas Mastercard holders will be charged Rs. 25 for authorization which will be subsequently reversed. The insurance cover under the card is as follows
Additionally customers will also get a fuel surcharge waiver of 1% at all fuel station in the country for transaction value ranging from Rs. 400 to Rs. 5,000
The fees and charges applicable for this card are:
One time Joining Fees
Rs. 2,500 (excluding taxes)
Renewal fees for the following year waived off in case of annual spending of Rs. 3,00,000 in the previous year.
Free credit period of 50 days
Additional Card fees
Minimum Repayment Amount
5% of the amount due or Rs. 200
Cash Advance Limit
40% of the credit limit
Cash Advance Charges
2.5% of the amount withdrawn or Rs. 500, whichever is higher
Charges on Overlimit account
2.5% of the overlimit amount or Rs. 500 (Rs. 550 from 1st September 2020), whichever is higher
Cash Processing Fees
Railway ticket purchase fees
1% of the transaction amount excluding taxes
Fees for reissue of lost, damaged or stolen card
Revolving Credit Charges
3.6% per month
Late Payment Charges
Late Payment Fees
Amount due less than Rs. 100
Rs. 100 – Rs. 500
Rs. 501 – Rs. 5,000
Rs. 5,001 – Rs. 10,000
Rs. 10,001 – Rs. 25,000
Rs. 25,001 – Rs. 50,000
More than Rs. 50,000
Customers can easily check their eligibility on this page. Additionally, when you apply with CreditMantri, we help in quick approval for your preferred credit card. HDFC Bank has set two fold criteria for customers to be eligible for this credit card. The details of the same are provided hereunder.
Self Employed Applicants
The net monthly income of the applicant has to be greater than Rs. 1,20,000 per month
The income as per the latest ITR has to be greater than Rs. 12,00,000 per annum
The documents required for this credit card are the basic KYC documents like identity proof and address proof of the applicant along with the income proof of the applicant that can validate the eligibility of the applicant at the time of verification process. Following is the list of documents that are needed by the bank as part of the application process.
The applicant can submit any of the following documents as identity proof
Driving License, etc.
Latest Utility Bills
Latest Rent agreement/ Lease Agreement/ Municipal Tax Receipt
Latest Bank Statement
Income Proof of the Applicant
The Income proof of the applicant can be verified by submitting any of the following documents in case of Salaried or Non-salaried applicants as the case may be
Latest Salary Slips (past 3 months)
Latest Bank Statements (past Three Months)
Recent Passport Size photographs
Customers can apply for this card by either personally visiting the bank or by applying online. The process for the same is highlighted below.
Customers will have to first visit the nearest branch and fill the application form available there. Bank executives can assist customers for the same. The documents needed have to be submitted along with the application to complete the application process. Post this the customer will be contacted by the bank in the event of being qualified for the same. Customers will get the credit card after paying the joining fees.
The online application process for this card can be explained through the following steps.
Home Personal Cards Credit Cards Regalia
The link to ‘apply online’ is available at the bottom of the page after clicking on the above link.
1. What are the renewal fees for this credit card?
The Renewal fees for this card are Rs. 2,500 excluding taxes.
2. What is the rate of GST applicable on this card?
The rate of GST applicable on this card is 18%.
3. What is the fuel surcharge waiver applicable on this credit card?
Customers get a fuel surcharge waiver of 1% across all fuel stations in India for transaction value of Rs. 400 - Rs. 5,000.
4. What is the email id for priority customer service for these credit card holders?
The email id for priority customer service to Regalia customer is regalia[dot]support[at]smartbuyoffers[dot]co
5. How many complimentary airport lounge access can be received by Regalia customers in a year?
Regalia credit card customers can get up to 12 complimentary airport lounge access across the globe within a year.
HDFC Bank Updates Lounge Access for Regalia Credit Card: Lounge Access Program to be Based on Card Spends 3 Nov 2023
HDFC Bank has changed some rules for the Regalia Credit Card. As per the new rules, effective December 1st, 2023, users can get complimentary lounge access (at lounges within and outside India) only on reaching milestone spends of Rs. 1 lakh or more ...
HDFC Bank has changed some rules for the Regalia Credit Card. As per the new rules, effective December 1st, 2023, users can get complimentary lounge access (at lounges within and outside India) only on reaching milestone spends of Rs. 1 lakh or more in a calendar quarter (Jan-Mar, Apr-June, Jul-Sept, Oct-Dec) with their credit cards. After reaching the spends criteria, visit the Regalia SmartBuy page, navigate to lounge benefits, and then click lounge access voucher to access the lounge access program.
HDFC Bank Enhances the Reward points on the Smartbuy Proposition for Regalia and Diners Club Privilege Credit Cards.8 Feb 2022
As before the HDFC Bank has made certain justifications to Regalia and Diner privilege cards. Instead of Cashbacks on card swipes, the bank has moved to high point-based rewards. For instant vouchers, travel bookings ( flights, bus), and amazon shopp...
As before the HDFC Bank has made certain justifications to Regalia and Diner privilege cards. Instead of Cashbacks on card swipes, the bank has moved to high point-based rewards. For instant vouchers, travel bookings ( flights, bus), and amazon shopping, the cashback of 5% is changed to 5x reward and 5.3% bonus point. For hotel booking, 5% cashback is changed to 10x reward points and 12.0% bonus value. For train, the cashback of 5% is reduced to 3x reward and 2.7% bonus value. But For Flipkart shopping, the bank doubles the reward to 3x and the bonus value to 2.7%. The cardholder can earn up to 4000 bonus points per month but not more than 2000 bonus values per day.
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