HDFC Bank Regalia credit card review: fees, rewards and eligibility
The HDFC Bank Regalia has a recorded annual fee of ₹2,500 plus GST and a base earn of 4 Reward Points per ₹200 on eligible retail spend. CardMasters checked its issuer terms on 2026-08-13. Affiliate commission never changes ranking; confirm final terms and approval with HDFC Bank.
HDFC Bank Regalia: short answer
The HDFC Bank Regalia is in the premium tier of HDFC Bank credit cards, with a joining fee of ₹2,500, an annual fee of ₹2,500 plus GST, a base earn of 4 Reward Points per ₹200 on eligible retail spend and a 3.5% forex markup. Rewards are not earned on fuel, rent, wallet load, government, gaming. It suits travel, premium, rewards spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-08-13. Confirm final terms with the issuer.
Reward structure
4 Reward Points per ₹200 on eligible retail spend
No separate accelerated route is currently recorded.
Eligibility and important limits
The issuer does not publish a card-specific approval cutoff in the current source. HDFC Bank does not publish a card-specific income floor or numeric bureau-score cutoff on the current product page. This card is excluded from personalized eligibility recommendations. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, wallet load, government, gaming, education third party, cash advance, fees.
Frequently asked questions
What is the annual fee for the HDFC Bank Regalia?
The published annual fee in our current record is ₹2,500 plus applicable GST.
How do rewards work on the HDFC Bank Regalia?
4 Reward Points per ₹200 on eligible retail spend. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the HDFC Bank Regalia?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, wallet load, government, gaming, education third party, cash advance, fees. Merchant category coding and issuer terms determine final eligibility.
Who should consider the HDFC Bank Regalia?
It is most relevant for people focused on travel, premium, rewards. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the HDFC Bank Regalia worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹2,500 plus GST each year. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the HDFC Bank Regalia?
HDFC Bank does not publish a card-specific income floor or numeric bureau-score cutoff on the current product page. This card is excluded from personalized eligibility recommendations. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the HDFC Bank Regalia?
The recorded foreign-currency markup is 3.5% before GST. On ₹1,00,000 of international spend that is about ₹3,500 in markup, so compare it against any rewards earned on overseas transactions.
Does the HDFC Bank Regalia offer airport lounge access?
Domestic lounge access: 2 vouchers/quarter after ₹1 lakh quarterly spend. International lounge access: 6/year outside India after at least 4 card transactions before membership request. Spend conditions and guest charges are set by the issuer and can change.