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HDFC

HDFC Bank Regalia Credit Card

Good fit when rewards, fees, and forex fit your spend pattern.

HDFC VISA

Regalia

Should you keep it?

Conditional fit

Verified

Why this card

2 per quarter domestic + 6 per year international.
You can comfortably spend ₹3,00,000 a year on the card.

Issuer evidence · 2 sources →

Trade-off

The annual fee (₹2,500) is waived only after ₹3,00,000 of eligible annual spend.

Annual fee ₹2,500 per year

Rewards 2 pts / ₹100

Lounge access 2 domestic (2 per quarter) + 6 intl (6 per year)

Forex markup 3.5% high

Compare with Axis Bank Privilege →

Similar lounge profile

Rewards

Earning rules

Detail · from the summary above

General spend2 pts / ₹100——

Redemption value

What a Reward Point is worth

Travelvia SmartBuy₹0.5 / pt
Catalogueup tovia SmartBuy₹0.35 / pt
Cashbackup to₹0.15 / pt

Annual fee break-even math

When does this card pay for itself

₹8.3L

Conservative yearly spend needed at the ₹0.15-per-point ranking floor.

Best documented case: about ₹2.5L at ₹0.50 per point.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Verified value

₹0.5 per point

Travel

Ranking floor

₹0.15 per point

(conservative floor)

₹0.5 per point (best documented)

Base earn

2 points per ₹100

(~0.3% base, up to 1% via transfers)

Caps

Reward earn has structured caps.

View full earning rules →

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹3,00,000yearAnnual fee waiverhighstrong

Lounge access spend gate₹1,00,000quarterLounge eligibilityreasonablestrong

Milestone spend₹10,000yearMilestone benefittrivialdirectional

Watch outs

Before choosing this card

Forex markup is 3.5%, so frequent international spends may be costly.

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: ~1,000 pts/month (base earn · uses base/general earn rate)
Fee waiver achievable at this spend
Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): 2 per quarter · verified 6 Jul 2026 Condition: ₹1,00,000 spend in the calendar quarter

3 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verified manually) , opens external site
Operator-verified anchor
Issuer site (verify current terms) , opens external site
International (cardholder): 6 per year — via · verified 6 Jul 2026 Requires Priority Pass card · Condition: ₹1,00,000 spend in the calendar quarter

3 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verified manually) , opens external site
Operator-verified anchor
Issuer site (verify current terms) , opens external site
Guest access: Guests: paid access

Rewards

Points per ₹100: 2 points per ₹100 value depends on redemption
Effective return (honest floor): ~0.3% base, up to 1% via transfers · verified 5 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
Headline point value: ₹0.50 per Reward Point (Travel) · verified 5 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
Point validity: Points expire 2 years after earning · verified 7 Jul 2026

Insurance Cover

Air accident cover: ₹1 crore · verified 3 Jul 2026
Emergency medical cover: ₹15 lakh · verified 3 Jul 2026
Personal accident cover: ₹1 crore
Lost card liability cover: ₹9 lakh · verified 5 Jul 2026
Underwriter: Insured by HDFC ERGO General Insurance Company Limited · verified 7 Jul 2026

Fees & charges

Fees

Annual fee: ₹2,500
Joining fee: ₹2,500
Fee waiver spend: ₹3,00,000 Above catalog median waiver (₹2,00,000 vs ₹3,00,000).
Interest-free period: Up to 50 days · verified 7 Jul 2026

International Use

Forex markup: 3.5%

2 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verify current terms) , opens external site
Operator-verified anchor
Product tier: Mid-tier

Travel & perks

Fuel Benefits

At the pump

1% fuel surcharge waived on transactions ₹400–₹5,000.
Maximum waiver ₹500 per statement cycle.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits

ICICI Bank Rubyx American Express

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HDFC Bank Regalia

Kotak Mahindra Bank Zen Signature

SIDE BY SIDE

HDFC Bank Regalia

SBI Card Miles Prime

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

Category cap:10,000 RP per month · insurance transactions
Category cap:2000 Reward Points per calendar month · Utility transactions
Statement cycle cap:2,00,000 RP per statement cycle · Maximum earn limit

Redemption & expiry

Expiry:3 years, and Easy EMI cards/ PhonePe HDFC Bank Ultimo Credit Card/ PhonePe HDFC Bank Uno Credit Card on which reward points/ cash points are valid for 1 year

Travel redemption: ₹99 redemption fee per redemption

Latest update

Annual fee: ₹2,500.
Forex markup currently listed at 3.5%.
2 per quarter domestic lounge · 6 per year international.

Common questions

From verified card facts

Is this good for lounge access?

2 per quarter domestic + 6 per year international. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies at ₹3,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

A welcome benefit is listed. Included items: Reward points equivalent to joining fee (2,500 pts) — welcome. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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