HDFC Bank Regalia Credit Card

Joining Fee: Rs. 2,500 (plus applicable taxes)
Renewal Fee: Rs. 2,500 + taxes
Best Suited For: Travel | Shopping
Reward Type: Reward Points
Welcome Benefites: 2,500 bonus Reward points

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Looking for a credit card with traveling & lifestyle benefits? If yes, you’ve come to the right place. The HDFC Bank Regalia credit card comes with various travel and luxury rewards. With annual charges of Rs 2,500, this card welcomes you with 2,500 bonus Reward Points. The card has several advantages across different categories such as lifestyle, travel, and dining. It is one of the most popular Credit cards by HDFC with all such benefits. To keep their promise of luxury & travel benefits, the HDFC Regalia Card provides you with free Airport Lounge Access within India as well as outside. You earn 4 Reward Points every time you spend Rs. 150 using the card and these points can be redeemed against an array of categories with a value of up to Re. 0.5 per point. Also, the card charges a very low foreign currency markup which makes it a best choice for the international transactions. The card comes with great dining benefits, 24X7 Concierge services and much more. To know more, read the HDFC Regalia credit card review and its details below:

New Features

Spend Based Waiver

Get the annual fee waived off (second-year onwards) by spending more than 3 lakh in the previous year.

Interest Rates

3.6% per month or 43.2% annually

Add-on Card Fee

Nil

Rewards Redemption Fee

Rs 99 (plus applicable taxes)

Fuel Surcharge

1% fuel surcharge waiver at all fuel stations in India on a minimum of Rs. 400 transaction and a maximum of Rs. 5000 transaction.

Foreign Currency Markup

2% on all foreign currency transactions.

Cash Advance Charges

2.5% of the transaction amount or Rs. 500 (whichever is higher)

Movie & Dining

Get up to 20% off on partner restaurants via Swiggy Dineout only when the payment is made through the Swiggy application.

Travel

Complimentary Domestic and International Lounge Access. You get travel-related insurance benefits as well.

International Lounge Access

6 airport lounge access every year outside India through the Priority Pass.

Rewards Rate

4 reward points every time one spends Rs. 150.

Golf

N/A

Insurance Benefits

Insurance cover worth Rs. 1 Crore against accidental air death and coverage of up to Rs. 15 lakhs against emergency hospitalization for overseas treatment.

Reward Redemption

1 RP = Rs. 0.5 for redemption against flights and hotel bookings on HDFC Smartbuy website, 1 RP = up to Rs. 0.35 if you want to redeem against vouchers and poducts, 1 RP = Rs 0.20 for cash back, and Air miles conversion at a value of 1RP = 0.5 air mile.

Domestic Lounge Access

12 free airport lounge access per year within India.

Zero Liability Protection

You get zero liability protection cover up to Rs 9 lacs in case of misuse or loss of card.

Pros

Bonus reward points as welcome benefit and a high reward rate Low forex markup fee of 2% Complimentary domestic and international lounge access with Priority Pass membership

Cons

Regalia Gold charges a similar joining fee and has better benefits and redemption options Several spend categories are excluded from earning reward points and points expire after 2 years from accrual date.

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