HDFC Bank Regalia Activ credit card review: fees, rewards and eligibility
The HDFC Bank Regalia Activ has a recorded annual fee of ₹2,500 plus GST and a base earn of 4 Reward Points per ₹200 on eligible retail spend, including insurance. 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 Activ: short answer
The HDFC Bank Regalia Activ 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 (waived on ₹3,00,000 of eligible annual spend), a base earn of 4 Reward Points per ₹200 on eligible retail spend, including insurance; its card-specific forex markup is not recorded. Rewards are not earned on fuel, rent, wallet load, government, gaming. It suits travel, premium, high spender 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, including insurance
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 Activ?
The published annual fee in our current record is ₹2,500 plus applicable GST. It can be waived after ₹3,00,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the HDFC Bank Regalia Activ?
4 Reward Points per ₹200 on eligible retail spend, including insurance. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the HDFC Bank Regalia Activ?
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 Activ?
It is most relevant for people focused on travel, premium, high spender. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the HDFC Bank Regalia Activ worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹2,500 plus GST each year. The fee is waived at ₹3,00,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the HDFC Bank Regalia Activ?
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 Activ?
A card-specific foreign-currency markup is not recorded in the current issuer evidence for the HDFC Bank Regalia Activ. Confirm it with HDFC Bank before using the card internationally.
Does the HDFC Bank Regalia Activ offer airport lounge access?
Domestic lounge access: up to 12/year, subject to issuer conditions. International lounge access: up to 6/year, subject to issuer conditions. Spend conditions and guest charges are set by the issuer and can change.