HDFC Regalia Credit Card

Top reasons to get the Rewards Credit Card

  • 12 Complimentary Airport Lounge Access within India and 6 outside India.
  • Exclusive complimentary Dine out Passport Membership
  • Redeem points instantly at select partners.

Earn unlimited 10X reward points at select partners

  • Bonus 10,000 Reward Points on Rs. 5 lakhs spends and additional 5,000  Reward Points on Rs. 8 lakhs spends in an anniversary year.
  • Earn 4 Reward Points on every Rs.150 spent.
  • You can redeem your Reward Points on Smartbuy or Netbanking.

Welcome rewards

  • Welcome Benefit of 2500 Reward Points and renewal benefit of 2500 Reward Points.

Earn bonus reward points

  • Earn Bonus 10,000 Reward Points when you spend Rs. 5 lakhs in the anniversary year.
  • Earn additional 5,000 Reward Points when you spend Rs. 8 lakhs spends in the anniversary years.

Flexibility Fee and Charges

  • Interest Rate
    3.60% per month (43.2% per annum). This can change periodically based on your spend, payback and utilization patterns.
  • Annual Fee
    Renewal fee waived off if you spend more than 3L in the previous year​​​​​​​.


  • 1% fuel surcharge waiver at all fuel stations across India
    ( on minimum transaction of ₹400  and maximum transaction of ₹5000 )

Dining Benefit

Exclusive complimentary Dineout Passport Membership which offers:

  • Assured flat 25% off at 2000+ premium restaurants
  • 1+1 on buffet at 200+ restaurants
  • Additional 5% off and Zero convenience fee.

Air miles

  • Redemption rate for air miles: Airmiles conversion through netbanking at a value of 1RP = 0.5 airmile

Cash back

  • Adjust points against your Statement outstanding.
  • You can redeem your Reward Points on Smartbuy or Netbanking.

Personal Concierge Services

  • Contactless Payments
    This Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
  • Smart EMI
    This Card Card comes with an option to convert your big spends into EMI after purchase.
  • Priority Pass
    You can apply for Priority Pass for self and add on members once you complete minimum 4 retail transactions on your HDFC Bank Regalia Credit Card.