HDFC Regalia Credit Card

HDFC regalia once a super premium card  after several devaluations has lost most of its shine. But even now it is one of the super darling cards of middle income group because of the HDFC promos and cashback and 10x offers . I was using this card before a year before i upgraded to diners black.
The card:
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  • Earn 4 Reward Points on every Rs. 150 spent
  • Complimentary club vistara membership.
  • Airport Lounge access through priority pass and visa program.
  • Fuel Surcharge waiver.
  • Exclusive Dining benefits
  • Contactless Payments
  • Foreign currency mark up of 2%
  • Revolving credit at 3.49% per month.
  • Exclusive travel portal at
  • Comprehensive Protection
  • Credit liability cover.
Features Explained:
Reward Points:
  •  Earn 4 Reward Points on every Rs. 150 spent.
  • 10x(40RP/150 spent)/5x offers using HDFC smartbuy .

Reward Points Redemption:

  • Points can be redeemed at
  • Points can be redeemed through reward catalogue using rewards catalogue.
  • Each Reward Point is worth 50 paise when redeemed on
  • Points can be converted into airmiles.
  • EasyEMI and e-wallet loading transactions will not accrue Reward points.
  • Reward points accrued will be reversed if a retail transaction is converted into SmartEMI.
  • Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.

Travel Concierge Services: 

  •  You can customize your travel and entertainment experiences with our Regalias Concierge Assistance. To make airline reservations, book a hotel room or a movie, your travel concierge can do it for you.
  • To access dial 1800 209 4006 (Toll Free) or drop an email to :

Airport Lounges:

  • Get a complimentary Priority Pass Membership for preferential access to over 1000+ airport lounges around the world.  The Add on member is also eligible for a Priority Pass membership. The Primary card holder and the Add on member can jointly avail 6 complimentary access to Priority Pass lounges outside India in a calendar year.
  • All Lounge visits within India using priority pass will be charged at US $27 + GST .
  • Lounge Visits outside India exceeding the complimentary visits will be charged at US $27 + GST.
  • Priority Pass membership is upon request. Customer who has completed 4 billed transactions in the last 60 days is eligible for the Priority Pass membership. Usually they issue the card on their own you don’t have to do anything. Contact customer care  in case you dint receive the card.
  • For Lounge visits within India, Regalia Primary Cardholders can avail 12 complimentary lounge access per calendar year through Regalia Visa/Master Credit Card Lounge program.

Comprehensive Protection:

  • Air accident death of  1crore for the primary holder if ticket is booked using regalia card.
  • Emergency overseas hospitalisation upto 15laks.
  • Credit liability cover upto 9laks for primary holder.

Complimentary Club Vistara Silver membership:

  • Regalia card holders enjoy complimentary Club Vistara Silver Membership.
  • Earn 9 Club Vistara(CV) points for every INR 100 spent on All Vistara Flights
  • Additional 5 Kg Baggage allowance.
  • Priority Airport Check-in and Waitlist clearance.
  • Club Vistara Membership is applicable for Primary Card holder only and it has 1 Year Validity.


Milestone Benefits:

  • Earn 10,000 Reward Points on annual spends of Rs. 5,00,000 or more in each anniversary year.
  • Earn 15,000 Reward Points on annual spends of Rs. 8,00,000 or more in each anniversary year.


  • Salaried gross monthly income >RS.120000
  • Self employed ITR>Rs.1200000.


  • 1st year:2500+GST.
  • 2nd year onwards:2500+GST.
  • Welcome Benefit of 2500 Reward Points and renewal benefit of 2500 Reward Points.
  • Spend Rs. 3L in 12 Months for renewal fee waiver.
  • Hdfc issues LTF regalia card too.


In spite of all the devaluations as you can see the regalia is a feature rich card and hdfc smartbuy offers and promotions alone makes this worthy to hold .


Thanks for reading.





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