What's in store for you
Card Benefits & Features
Know more about the card
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Card Management & Controls
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Fees & Charges
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Lounge Access
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Priority Pass
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Reward Point/CashBack Redemption & Validity
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Contactless Payment
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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.