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Click here to view the changes in HDFC Bank Regalia Activ Credit Card effective 15th May 2026.

What's in store for you

PPF Account

Card Benefits & Features

Know more about the card

Credit Card Management & Controls

    Netbanking

    To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

    1. Log in to HDFC Bank NetBanking using your Customer ID.

    2. Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.

    3. You will be able to view your existing daily domestic and international usage limits.

    4. Enable or disable Online, Contactless, and International usage based on your preference.

    5. Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.

    6. Your selected card controls will be updated instantly.

    Mobile Banking

    To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

    1. Open the HDFC Bank MobileBanking App and log in using your credentials.

    2. Go to the ‘Cards’ section from the menu.

    3. Select the HDFC Bank Credit Card for which you want to enable card controls.

    4. Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.

    5. Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

    For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

    MyCards

    To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

    1. Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.

    2. Log in using your registered mobile number and the OTP received.

    3. For first-time users, enter the last four digits of your card.

    4. On the card homepage, click the ‘Card Control’ tab.

    5. Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.

    6. Confirm your settings, and the changes will be applied instantly.

    PayZapp

    You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

    1. Open the PayZapp app and log in using your credentials.

    2. On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.

    3. Log in using your registered mobile number and the OTP sent to your mobile.

    4. If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.

    5. On the card homepage, tap the ‘Card Control’ tab.

    6. Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.

    7. Confirm your settings. The updated card control settings will be applied instantly.

    WhatsApp Banking

    To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

    1. Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.

    2. Send the text "Credit Card" to this number.

    3. You will receive a reply with options. Choose the option “Manage My Card”

    4. You will receive a reply with options to select “Domestic / International/ Enhance limits”

    5. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.

    6. Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.

    7. Enter the last 4 digits of your Credit Card number.

    8. The current status of the selected transaction type will be shown as Enabled.

    IVR

    To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

  • Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
  • For overseas travel assistance: 022-61606160

    • By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

Card Management & Control

Fees & Charges

  • Joining/ Renewal Membership Fee: ₹2,500/- + Applicable Taxes.
  • Annual Membership Fee: Waived on spends of ₹3 lakh or more in an anniversary year.

Click here to view details of HDFC Bank Regalia Activ Credit Card fees and charges.

Fees & Charges

Lounge Access

Complimentary Airport Lounge Access within India

  • 12 complimentary access within India (both at domestic and international terminals) using the HDFC Bank Regalia Activ Credit Card.
  • Swipe your HDFC Bank Regalia Activ Credit Card at the lounge to avail the complimentary lounge access.
  • Click here to check the list of lounges.

Note: Visits exceeding the complimentary quota & Lounges not covered under the programme will be allowed at the discretion of lounge and will also be chargeable by the Lounge.

Lounge Access

Priority Pass

  • Using Priority Pass, you and your add-on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India.
  • You can apply for Priority Pass for self and add-on members once you complete minimum 4 retail transactions on your HDFC Bank Regalia Activ Credit Card.
    Click here to apply.
  • If you exceed the 6 Complimentary visits, you will be charged at US $27 + GST per visit
  • If you use your Priority Pass for lounge access within India, you will be charged at US $27 + GST per visit
  • Guests accompanying primary card holder must have an Add-on Credit Card with their own Priority Pass.

To know about your lounge access history:

Please write a mail to pp@prioritypass.com.hk. Please provide name, complete 18-digit Priority Pass number and state that PP Membership is via HDFC Bank program. If there is more than 1 Priority Pass number (belonging to add on PP holders), kindly provide all the PP Numbers.

Note: Priority Pass in India will attract charges on your Credit Card. You can visit www.prioritypass.com for complete list of lounge details.

Priority Pass

Reward Point/CashBack Redemption & Validity

Reward Points Accrual:

  • Earn 4 Reward Points on every ₹200 retail* spends including Insurance.
  • Earn 10,000 Reward Points on annual spends of ₹5 lakh.
  • Earn additional 5,000 Reward Points on annual spends of ₹8 lakh.
  • Maximum of 500 reward points can be earned in a calendar month on UPI spends. For more information on UPI spends on RuPay Credit Card, click here.

Reward Point Redemption:

Reward Points can be redeemed for:

  • Flights and hotel bookings via Smartbuy at a value of 1 RP = ₹0.5
  • Airmiles conversion through netbanking at a value of 1RP = ₹0.5 airmile
  • Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = up to ₹0.35
  • CashBack at a value of 1 RP = ₹0.20

Click here to know more.

 

Reward Points Accrual

Contactless Payment

  • The HDFC Bank Regalia Activ Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
  • To see if your Card is contactless, look for the contactless network symbol on your Card.

(Note: In India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder has to enter the Credit Card PIN for security reasons).

Contactless Payment

Most Important Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.

NOTE: For card sourced starting 01-11- 2020, Below T&Cs is applicable

The Bank reserves the right to cancel the Card in case the Card remains inactive and is not used for effecting any transaction for a continuous period of 6 (Six) months after prior written notice sent on the email address and/or phone number and/or communication address, registered in the records of the Bank.

Most Important Terms and Conditions 

Frequently Asked Questions

The customer should have a net income of at least ₹25,000/month.

No, welcome kit of Regalia Credit Card contains all information including credit limit, last 4 digits of card and ultra-form explaining product features.

Note – This is industry wide practice followed by all Credit Card issuers

A Credit Card limit will usually be 2.5 times of net monthly take-home salary of customer. However, actual credit limit will be assigned by bank’s underwriting team subject to internal checks of bank. Hence, credit limit should not be communicated to customer upfront

Anniversary year is 365 days from card open date. Eg: 15th July, 2024 is the card open date, then customer anniversary year will be from 15th July, 2024 to 14th July, 2025 and so on.

Credit limit assigned to customer will be the differentiating factor for customer with different income range.

Yes, there is no joining and renewal fee for the first 3 years.

HDFC bank Regalia Credit Card ₹25,00+GST. If customer spends ₹3 lacs in an anniversary year, he/she will not be charged with membership fee.

The ask is ₹3L spends per annum which translates to ₹25,000 spends in a month.

Credit Card spends are for accrual of RP. RP redemption can be done via NetBanking or SmartBuy platform.

Reward Points can be redeemed for:

  • Flights and hotel bookings via Smartbuy at a value of 1 RP = ₹0.5
  • Airmiles conversion through NetBanking at a value of 1RP = ₹0.5 airmile
  • Products and Vouchers via NetBanking or SmartBuy at a value of 1 RP = up to ₹ 0.35
  • CashBack at a value of 1 RP = ₹0.20

  • Accidental air death cover worth ₹1 Crore
  • Emergency overseas hospitalisation: up to ₹15 lakh
  • Lost Card Liability Cover: Up to ₹9 lakh

For more information, please Click Here.

Customer has to active Credit Card within 37 days of card setup. Card setup date is the date on which Credit Card is setup in bank’s system

A Gift voucher worth ₹250 (Amazon voucher) will be provided on activating Credit Card within 37 days.

Customer can activate Credit Card by doing one of the following:

  • Set Credit Card PIN
  • Set card controls
  • Conducting the 1st transaction

No, Card cannot be re-activated as per RBI guidelines.

Customer can place card closure request to the bank and same will be actioned.

As of now, Exclusive CC Bundling (3 Yrs. Fee pricing) offer is only for New to Bank who agrees to Open HDFC Bank Savings A/C with ACH Mandate (EMI Debit from HDFC Bank savings A/c).

Customers and staff can check product features of Regalia on Product webpage- www.hdfcbank.com/regalia.

Lounge access within India – 2 lounge access per calendar quarter on meeting spends criteria of ₹1 lakh in a calendar quarter.

Lounge access outside India – 6 complimentary lounge access in a calendar year using priority pass.

Customer 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. *RuPay cards are not eligible for priority pass.

Using Priority Pass, Customer along with add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. 

Priority pass will have name printed on the card to differentiate.