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HDFC

HDFC Bank Regalia Credit Card

Good for lounge, movie and lifestyle benefits if you can meet the spend requirements.

Should you keep it?

Conditional fit

Verified

Why this card

  • Published base rewards of 2 pts / ₹100.
  • Published lounge access: 2 domestic (2 per quarter) + 6 intl (6 per year).
Issuer evidence · 3 sources →

Trade-off

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

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

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend2 pts / ₹100Credited as reward points50,000 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹25,00,000 of eligible spend
Grocery2 pts / ₹100Credited as reward points2,000 points per calendar month; at 2 pts / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend
Insurance2 pts / ₹100Credited as reward points2,000 points per month; at 2 pts / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend

Redemption value

What a Reward Point is worth

  1. Travelvia SmartBuy₹0.5 / pt
  2. Catalogueup tovia SmartBuy₹0.35 / pt
  3. Cash redemption valueup to₹0.15 per Reward Point

How to avoid the annual fee

Spend threshold for waiver
Above ₹3L annual eligible spend required for the waiver

Above ₹3L eligible annual spend waives the fee

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

Reward reality

Conclusion · what you actually get

Eligible spend

2 points per ₹100 on eligible spend

Verified value

₹0.5 per point

Travel

Ranking floor

₹0.15 per point

(conservative floor)

₹0.5 per point (best documented)

Caps

  • General spend50,000 points per statement cycle
    Why?

    at 2 pts / ₹100, this lane reaches the cap at ₹25,00,000 of eligible spend

  • Grocery2,000 points per calendar month
    Why?

    at 2 pts / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend

  • Insurance2,000 points per month
    Why?

    at 2 pts / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend

View full earning rules →

Realisation

Credited as reward points

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Annual fee waiver₹3,00,000yearAnnual fee waiver
Domestic lounge spend gate₹1,00,000quarterLounge eligibility
Milestone spend₹10,000yearMilestone benefit

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: Based on the standard earn rate (2 pts / ₹100). Up to ~1,000 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
  • Worth ~₹150 at the conservative redemption floor
  • 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 previous calendar quarter (unlocks the following quarter)

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
International (cardholder)
6 per year Requires Priority Pass card

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Guest access
Guests: paid access

Lounge network

Rewards

Base earn
2 points per ₹100 value depends on redemption
Effective return (honest floor)
~0.3% base at the cash-redemption floor; up to ~1% through documented travel redemption · 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 · verified 3 Sept 2026
Fee waiver spend
Above ₹3,00,000 · verified 3 Sept 2026 Annual fee waived on eligible anniversary-year spend above ₹3,00,000.
Interest-free period
Up to 50 days · verified 7 Jul 2026
Late-payment charge
₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.

International Use

Forex markup
3.5%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Product tier
Mid-tier

Travel & perks

Fuel Benefits

At the pump
  • 1% fuel surcharge waived on transactions ₹400–₹5,000.
  • Maximum waiver ₹500 per month.
  • Fuel transactions do not earn reward points.

Fine print & compare

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • General cap: 50,000 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹25,00,000 of eligible spend.
  • Grocery cap: 2,000 points per calendar month; at 2 pts / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend.
  • Insurance cap: 2,000 points per month; at 2 pts / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend.
  • After the General cap is reached, further spending in that lane earns no rewards.
  • After the Grocery cap is reached, post-cap earning varies — check issuer terms.
  • After the Insurance cap is reached, post-cap earning varies — check issuer terms.

Exclusions

These spends do not earn reward points.

Financial

  • Fuel

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 above ₹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.

All guides →
Last refreshed 6 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

Money Matters is an independent comparison and information service. It is not affiliated with, sponsored by, or endorsed by any bank or card issuer. Card and issuer names are trademarks of their respective owners and are used here only to identify the products being compared.