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HDFC Bank Regalia Credit Card Visa

HDFC Bank Regalia Credit Card Visa

Updated October 2026
HDFC Bank · Visa · Credit Card

The HDFC Regalia Visa has a ₹2,500 annual fee (waived on ₹3 lakh annual spend), earns 4 reward points For Every ₹200, includes 8 airport lounge visits a year and charges a 3.5% forex markup.

Annual fee₹2,500
Joining fee₹2,500
Annual fee waivedOn ₹3 lakh annual spend
Base rewards4 reward points For Every ₹200
Lounge access8 airport lounge visits a year
Forex markup3.5%

From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.

Best for
Frequent travelers and big spenders
Think twice if
Low spenders or infrequent travelers
Earn 4 Rewards Points on every Rs.200 Complimentary airport lounge access for travelers Bonus rewards for high spending milestones
Joining Fee: Joining Fee of Rs. 2500
Renewal Fee: Renewal Fee of Rs. 2500 Spend Rs.300000 For Renewal Fee Waiver
Domestic Lounge: 8 Complimentary Airport Lounge Access Per Year
International Lounge: 6 Complimentary International Lounge Access
Rewards: Earn 4 Rewards Points For Every Rs.200
Forex Markup: 3.50% - Foreign Currency Transactions

Key Benefits

Rewards
Earn 4 Rewards Points For Every Rs.200
Earn 4 Rewards Points For Every Rs.200 on Grocery
Earn 4 Rewards Points For Every Rs.200 on Insurance
Lounge Access
Domestic 8 Complimentary Airport Lounge Access Per Year
International 6 Complimentary International Lounge Access
Milestone Rewards
Earn 10000 Bonus Rewards Points on Rs. 5 Lakhs Spends
Earn 15000 Rewards Points on Spend of Rs.8 Lakhs

Live offers on this card

300 online offers across 174 brands right now, each valid for at least another 7 days. Checked 22 Oct.

These are HDFC Bank's own offers and Visa network offers, so they apply to every HDFC Bank Visa card, not just this one. All HDFC Bank offers by category.

People Also Asked

What are the fees for the HDFC Bank Regalia Credit Card Visa? ▼
The fees and charges for the HDFC Bank Regalia Credit Card Visa include: a joining fee of ₹2500 + applicable taxes, an annual renewal fee of ₹2500 + applicable taxes (waived if you spend more than ₹3 Lakhs in the previous year), a foreign currency markup of 3.50% on all foreign currency spends, a dynamic currency conversion markup fee of 1% on transactions in Indian currency at international locations, late payment charges ranging from ₹0 to ₹1300 depending on the outstanding amount, cash advance fees of 2.5% or ₹500 (whichever is higher), balance transfer processing charges of 1% of the amount or ₹250 (whichever is higher), and a wallet loading transactions fee of 1% on wallet loading spends exceeding ₹10,000 per month. Ask for more →
What travel offers are available with the HDFC Bank Regalia Credit Card? ▼
The HDFC Bank Regalia Credit Card offers several travel-related promotions, including: 15% off on bus bookings with AbhiBus (valid until March 31, 2026), ₹400 off on domestic flights, ₹1000 off on SHI International flights, and ₹2000 off on MHI LHI International flights with Air India (valid until January 27, 2026), and ₹200 off on both domestic and international flights with Akbar Travels (valid until January 31, 2026). Ask for more →
What are the online travel offers on the HDFC Bank Regalia Credit Card? ▼
Current online travel offers available with the HDFC Bank Regalia Credit Card include: up to 7% off on Agoda, 100% off on Atlys.com, flat 25% off on Bloom.com, up to 8% off on Expedia, and flat 20% off on Hoi.in with a minimum spend of ₹500. Ask for more →
What are the key features of the HDFC Bank Regalia Credit Card? ▼
The HDFC Bank Regalia Credit Card offers several key features including: access to exclusive 24/7 concierge services for travel and dining assistance, earning 4 Reward Points for every ₹150 spent on groceries, retail, and insurance, and various travel and shopping offers. Additionally, cardholders can earn bonus rewards, including 10,000 bonus reward points on spending ₹1.5 Lakhs in a year. Ask for more →
Are there any current offers on laptops for the HDFC Bank Regalia Credit Card? ▼
Current offers on laptops for the HDFC Bank Regalia Credit Card include: a 5% instant discount at Reliance Digital on a minimum spend of ₹5,000 (valid until June 30, 2026) and ₹5,000 instant discount at Samsung (expiry date not specified). For the latest offers, it's recommended to check popular online retailers like Amazon, Flipkart, and Croma. Ask for more →

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 4 Rewards Points for every Rs. 200 spent, including on insurance and groceries. With a joining and renewal fee of Rs. 2500 each, the card is worth it if you spend over Rs. 3,00,000 annually to get the renewal fee waived.

Who should get the HDFC Bank Regalia Credit Card Visa?

This card is ideal for frequent spenders who can leverage milestone rewards of 10,000 bonus points on Rs. 5 lakhs and 15,000 points on Rs. 8 lakhs spent. It suits users who value premium benefits like airport lounge access and want to maximise reward points on everyday and insurance spends.

How to maximise rewards on the HDFC Bank Regalia Credit Card Visa?

To maximise rewards, spend on categories offering 4 Rewards Points per Rs. 200, such as insurance and groceries. Additionally, aim to reach Rs. 5 lakhs and Rs. 8 lakhs in annual spends to earn 10,000 and 15,000 bonus points respectively.

Is the HDFC Bank Regalia Credit Card Visa good for international travel?

Yes, the card provides 6 complimentary international airport lounge accesses and 8 domestic lounge accesses per year, enhancing travel comfort. The rewards on international spends and premium lounge benefits make it suitable for frequent international travellers.

Compare

CompareCompare HDFC Bank Regalia Credit Card Visa with: ICICI Bank Sapphiro Credit Card Mastercard · HDFC Bank Diners Club Privilege Credit Card · Axis Bank Atlas Visa Credit Card

Have a specific question about this card?

HDFC Bank Regalia Credit Card Visa
HDFC Bank Regalia Credit Card Visa
HDFC Bank · Visa · Credit Card
Joining Fee: Joining Fee of Rs. 2500
Renewal Fee: Renewal Fee of Rs. 2500 Spend Rs.300000 For Renewal Fee Waiver
Domestic Lounge: 8 Complimentary Airport Lounge Access Per Year
International Lounge: 6 Complimentary International Lounge Access
Rewards: Earn 4 Rewards Points For Every Rs.200
Forex Markup: 3.50% - Foreign Currency Transactions
Key Details
Joining Fee
Joining Fee of Rs. 2500
Renewal Fee
Renewal Fee of Rs. 2500
Spend Rs.300000 For Renewal Fee Waiver
Domestic Lounge
8 Complimentary Airport Lounge Access Per Year
International Lounge
6 Complimentary International Lounge Access
Rewards
Earn 4 Rewards Points For Every Rs.200
Forex Markup
3.50% - Foreign Currency Transactions
CompareCompare HDFC Bank Regalia Credit Card Visa with: ICICI Bank Sapphiro Credit Card Mastercard · HDFC Bank Diners Club Privilege Credit Card · Axis Bank Atlas Visa Credit Card
Common Questions
Joining Fee of Rs. 2500. Renewal Fee of Rs. 2500. Spend Rs.300000 For Renewal Fee Waiver
8 Complimentary Airport Lounge Access Per Year International: 6 Complimentary International Lounge Access.
Earn 4 Rewards Points For Every Rs.200
Spend Rs.300000 For Renewal Fee Waiver
3.50% - Foreign Currency Transactions
Earn 10000 Bonus Rewards Points on Rs. 5 Lakhs Spends

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