Discontinued for new applicants
Per HDFC Bank issuer page (Apr 2026): Sourcing of the HDFC Regalia Credit Card has been stopped. Existing customers continue to enjoy all benefits, but you cannot apply for it any more — HDFC has positioned the new Regalia Gold as the replacement for new applicants. Verified facts for existing holders: lounge access is 2 complimentary vouchers/quarter on ₹1 lakh quarterly spend; Priority Pass for international (6/year) only after 4 card transactions; reward rate 4 RP per ₹200 (since 15 May 2026); renewal waiver at ₹3 lakh annual spend. This page is preserved as a reference for legacy holders only.
HDFC Regalia Credit Card Review
- Annual milestone: 10,000 RP at ₹5L, additional 5,000 RP at ₹8L (15,000 RP on ₹8L spend)
- SmartBuy bonus points on flights, hotels and
- vouchers6 international lounge visits/year via Priority Pass
- Good Food Trail Program — up to 7.5% off at partner restaurants
- Low fee (₹2,500) — easily waived at ₹3L annual spend
- 3.5% forex markup on all foreign currency spends, so it is not a card for international use
- Not accepting new applicants — HDFC has stopped sourcing; only existing cardholders retain
- Lounge now milestone-based — need ₹1 lakh spend in calendar quarter for 2 domestic vouchers
- From 1 Oct 2023: 50,000 RP maximum per statement cycle (hard earning cap)
- From 1 Feb 2023: Cashback redemption capped at 50,000 RP/month; SmartBuy flight/hotel redemption capped at 50,000 RP/month
- Reward points expire after 2 years from accumulation; if card unused for 365 days, RP are nullified
- Insurance spends cap at 2,000 RP/day
- 1% transaction fees (HDFC-wide, since Aug 2024): Fuel over ₹15K/txn, Utility over ₹50K/month, all Rent payments, Wallet loads over ₹10K/month, Education via 3rd-party apps — each attracts 1% fee on entire amount, capped at ₹4,999. Insurance NOT treated as utility.
- Max 70% redemption on travel bookings (rest via card)
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹2,500 + GST (₹2,950 total) |
| Renewal fee | ₹2,500 + GST — waived on ₹3L annual spend |
| Finance charge | 3.75% p.m. (45% p.a.) |
| Cash advance | 2.5% (min ₹500); interest from day 1 |
| Forex markup | 3.5% on all foreign currency spends |
| DCC markup (INR at foreign merchants) | 1.75% |
| Rent transaction fee | 1% on every rent payment, capped at ₹4,999 per transaction |
| Late payment | Up to ₹1,300 |
Eligibility & documents
Original income target
Salaried: ₹1 lakh+ net monthly / Self-employed: ₹12 lakh+ ITR (typical benchmark; HDFC’s exact threshold varies)
Age (original)
Salaried: 21-60 years; Self-employed: 21-65 years
CIBIL (typical)
750+ with clean repayment history
Upgrade path
Existing cardholders may receive upgrade offers to Regalia Gold from HDFC periodically
Rewards
Base earn: 4 Reward Points per ₹200 spent on retail (since 15 May 2026) (≈ 1% at ₹0.50 per point on SmartBuy flights/hotels; ≈ 0.4% as cashback at ₹0.20 per point).
SmartBuy accelerators: 5× to 10× Reward Points on flights, hotels, and grocery bookings via the HDFC SmartBuy portal. Rates vary by merchant and promotion — check SmartBuy for current multipliers.
Exclusions (no RP accrual): Fuel, Rent, government transactions, EasyEMI, e-wallet loading, Smart EMI transactions, payment of card fees/charges, cash advances.
Insurance spends: Maximum 2,000 RP accrual per day on insurance transactions.
Statement-cycle cap (from 1 Oct 2023): Maximum 50,000 Reward Points can be earned per statement cycle across all categories.
Redemption rates:
- Airmiles transfer: 1 RP = up to 0.5 airmile
- Flights / hotels via SmartBuy: 1 RP = ₹0.50
- Catalogue
- products: 1 RP ≈ ₹0.35
- Statement credit (cashback): 1 RP = up to ₹0.20 (since 1 Nov 2025)
Redemption caps (effective 1 Feb 2023):
- Cashback / statement credit: capped at 50,000 RP per calendar month
- SmartBuy flight & hotel bookings: capped at 50,000 RP per calendar month
- SmartBuy flights & hotels: max 70% of booking value redeemable via RP (rest via card)
Reward point validity: 2 years from date of accumulation. If card is inactive for 365 days, accumulated RP are nullified. RP reversed if retail transaction is converted to SmartEMI.
Welcome benefits & milestones
Welcome benefit (for cards issued when sourcing was active): 2,500 Reward Points on net retail spends of ₹40,000 within 90 days of card issuance — value ≈ ₹1,000 at airmiles transfer rate.
Annual spend-based milestones (continue for existing cardholders):
- Spend ₹5,00,000 in anniversary year → 10,000 Reward Points
- Spend ₹8,00,000 in anniversary year → additional 5,000 Reward Points (total 15,000 RP at ₹8L)
Annual fee waiver: Net retail spends of ₹3,00,000 in anniversary year waives the next year’s ₹2,500 renewal fee.
Key benefits
- Domestic lounge access: Up to 2 complimentary lounge access vouchers per calendar quarter (Self + Add-on member combined) — unlocked on minimum ₹1,00,000 spend in the preceding calendar quarter. Vouchers are quarterly, not annual.
- International lounge access: Priority Pass for Self + Add-on member — up to 6 complimentary visits per calendar year, available after using the Regalia card for a minimum of 4 transactions.
- Dining — Good Food Trail Program: Up to 7.5% discount at partner restaurants across India
- Insurance cover: Lost card liability up to ₹9 lakh, Air Accident cover, Emergency Medical Expenses overseas (via HDFC ERGO — 130-day claim window)
- 1% fuel surcharge waiver (transactions of ₹400–₹5,000; max ₹500 per statement cycle)
- Smart EMI on retail transactions of ₹10,000 and above
- Add-on cards for family members (18+)
Usage terms & fine print
Lounge access
Domestic: 2 vouchers/qtr on ₹1L preceding-quarter spend (Self + Addon combined). International: 6/year via Priority Pass after 4 card transactions.
Fuel surcharge waiver
1% fuel surcharge waiver on fuel transactions (transactions of ₹400–₹5,000; max ₹500 per statement cycle).
Interest-free period
Up to 50 days on retail (when prior statement fully paid). Minimum payment 5% or ₹200.
EMI conversion
Smart EMI on retail transactions ₹10,000+. Tenures 3-36 months. RP reversed if retail converted to SmartEMI.
Digital wallets & UPI
Apple Pay, Google Pay, Samsung Pay supported. No direct UPI-card linking (no RuPay variant).
Insurance claim window
130 days from date of loss for HDFC ERGO claims (Emergency Medical, Lost Card Liability).
Compared with alternatives
Regalia Gold (₹2,500) — publicly applicable
HDFC’s newer variant. Similar fee, stronger milestone structure (vouchers + international credits), currently accepting new applications. Natural upgrade path.
Diners Club Privilege (₹1,000)
Lower fee, 8 lounges/year (milestone-based), 5× Swiggy/Zomato. Good entry point to HDFC Diners ecosystem.
Axis Privilege (₹1,500)
Similar positioning at a lower fee. Fewer accelerators but publicly applicable.
Amex Platinum Travel (₹5,000)
2× the fee but strong milestone vouchers (Taj/Marriott). Narrower merchant acceptance.
Who the HDFC Regalia is for
Existing Regalia cardholders spending ₹5-8 lakh per anniversary year — the card earns its ₹2,500 fee easily via the annual milestone (10K RP at ₹5L, 15K RP at ₹8L) plus base earn and SmartBuy accelerators. Milestone-based lounge structure (2 domestic/qtr at ₹1L and 6 international Priority Pass visits) is adequate for moderate travellers.
Not the right card if: you’re a new applicant (not accepting), your annual spend is below ₹3 lakh (fee won’t recover via milestones), or you need unlimited / automatic lounge access — Regalia’s milestone gating limits it.
How to apply & how to cancel
Apply: Not accepting new applicants. HDFC has stopped sourcing the Regalia card. If you’re looking for a similar card, apply for Regalia Gold (same fee, publicly available) or Diners Club Privilege.
Existing cardholders — renewal: Renewal notices arrive 30 days before anniversary. Pay the ₹2,500 + GST fee (or confirm ₹3L spend waiver achieved).
Cancel: Call HDFC PhoneBanking (1800 202 6161). Clear dues; redeem Reward Points before closure (after closure, points can be used only for products/vouchers for 30 days). Note: once cancelled, the card can’t be reactivated — HDFC is not issuing new Regalia cards.
Final verdict
For existing HDFC Regalia cardholders, the card still earns its place in 2026 — the annual milestones deliver 10-15K RP for modest spend levels, and SmartBuy accelerators remain useful for travel bookings. The 2023 redemption caps (50K RP/month) only hurt very heavy redeemers. The 1 Oct 2023 statement-cycle earn cap (50K RP) also only matters for ₹25L+/cycle spenders.
For new applicants, Regalia is not available — look at Regalia Gold (publicly applicable, stronger milestone structure) or Diners Club Privilege (lower fee, similar positioning). If you currently hold Regalia and are offered an upgrade to Regalia Gold, the upgrade is generally worth it — similar fee, better milestones.
Frequently asked questions
Is HDFC Regalia still available for new applications?
No. HDFC Bank has stopped sourcing the Regalia credit card. Existing customers continue to enjoy all benefits, but new applications are not being accepted. HDFC’s publicly applicable equivalent is Regalia Gold.
What are the reward-point redemption caps?
From 1 Feb 2023: Cashback/statement credit redemption is capped at 50,000 RP per calendar month. SmartBuy flight and hotel redemption is also capped at 50,000 RP per calendar month. For SmartBuy flight and hotel bookings, up to 70% of the value can be redeemed via RP (rest must be paid by card).
How do the lounge vouchers work?
Domestic: You get up to 2 lounge vouchers per calendar quarter (for Self + Add-on combined), unlocked on minimum ₹1 lakh spend in the preceding calendar quarter. International: Priority Pass gives Self + Add-on up to 6 complimentary visits per year, available after using the Regalia card for a minimum of 4 transactions.
What happens to Reward Points if I don’t use my card?
Two rules apply: (1) RP are valid for 2 years from the date of accumulation — anything older expires. (2) If the card is not used for more than 365 consecutive days, all accumulated RP are nullified.
Can I upgrade from Regalia to Regalia Gold?
HDFC periodically offers upgrades to existing Regalia cardholders. If offered, the upgrade is typically a horizontal move — similar ₹2,500 fee, but with a stronger milestone structure (e.g., Travel credits, improved lounge). Spend aggregation benefits from the old card may not carry over.
What’s the foreign currency markup?
3.5% on all foreign currency spends. Additionally, a 1.75% DCC markup (since 15 May 2026) applies if you transact in Indian currency at an international location or with a merchant registered overseas (effective since earlier HDFC policy update).
Does Regalia earn RP on UPI payments?
Regalia does not have a RuPay variant, so direct UPI linking is not supported. The card can be added to Apple Pay / Google Pay / Samsung Pay for Visa/Mastercard-accepting merchants, but not for UPI.
Is there a spend-based renewal fee waiver?
Yes — spending ₹3,00,000 in net retail in the anniversary year waives the next year’s ₹2,500 renewal fee.
Data current as of October 2026. HDFC Bank has stopped sourcing this card for new applications; the information above reflects current T&C applicable to existing Regalia cardholders. Always confirm current terms with HDFC before relying on benefits. Source: HDFC Bank Regalia product page + HDFC Regalia Reward Program T&C.