HDFC
HDFC Regalia Credit Card
HDFC Bank
Premium travel and lifestyle rewards
Annual Fee₹2,500
Rewards4X reward points on travel & dining
Welcome Bonus2,500 reward points
Key Benefits
- Unlimited domestic airport lounge access
- International lounge access (6/year)
- Golf privileges at top courses
- Travel insurance up to ₹1 crore
- Concierge services 24/7
- Milestone benefits on annual spends
Eligibility Criteria
Age21 – 60 years
Minimum Income₹1,20,000/month (salaried) or ₹15 lakhs/year (self-employed)
Credit Score750+ CIBIL score
EmploymentSenior professionals or Business owners
Fees & Charges
| Annual Fee | ₹2,500 (waived on ₹3L annual spend) |
| Joining Fee | ₹2,500 |
| Late Payment Fee | ₹1,100 |
| Foreign Transaction Fee | 2% of transaction amount |
| Cash Advance Fee | 2.5% of amount (min ₹500) |
| Interest Rate | 3.49% per month (41.88% p.a.) |
Pros & Cons
Advantages
- Excellent travel benefits
- High reward earning on travel & dining
- Unlimited domestic lounge access
- Good insurance coverage
- Annual fee waiver on spending ₹3 lakhs
Disadvantages
- High income requirement
- Annual fee if spend target not met
- Limited cashback options
- Reward points expire after 2 years
Frequently Asked Questions
HDFC Regalia Credit Card
- Annual Fee₹2,500
- Joining Fee₹2,500
- Credit Limit₹3,00,000 – ₹15,00,000
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Disclaimer: The information provided is for reference only. Credit card approval is subject to the bank's terms and conditions. Interest rates, fees, and benefits may change without notice. Please verify details on the official bank website before applying.