Key Benefits
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More about the HDFC Bank Regalia Credit Card Visa
Is the HDFC Bank Regalia Credit Card Visa worth it in 2026?
The HDFC Bank Regalia Credit Card Visa offers strong rewards like 4 Reward Points for every Rs.150 spent on groceries, retail, and insurance. With 8 complimentary domestic and 6 international airport lounge accesses annually, plus milestone bonuses of up to 15,000 points on high spends, it is valuable for frequent spenders despite the Rs.2500 joining and renewal fees.
Who should get the HDFC Bank Regalia Credit Card Visa?
This card is ideal for high spenders who regularly shop for groceries, retail items, and insurance payments, spending upwards of Rs.5 to 8 lakhs annually to unlock milestone rewards. Frequent domestic and international travelers will also benefit from the complimentary lounge access included.
How to maximise rewards on the HDFC Bank Regalia Credit Card Visa?
Maximise rewards by focusing spends on groceries, retail, and insurance to earn 4 Reward Points for every Rs.150. Additionally, aim to spend Rs.5 lakhs to earn 10,000 bonus points and Rs.8 lakhs for 15,000 extra points, while maintaining Rs.3 lakhs annual spend to waive the Rs.2500 renewal fee.
Is the HDFC Bank Regalia Credit Card Visa good for international travel?
Yes, the card offers 6 complimentary international airport lounge accesses per year, enhancing travel comfort. Combined with reward points on retail spends and milestone bonuses, it is well-suited for frequent international travelers.