HDFC Bank Regalia Credit Card
Joining Fee: ₹2,500 + GST
Renewal Fee: ₹2,500 + GST
Reward Type: Reward Points
Welcome Bonus
2,500 Reward Points on Joining: Receive 2,500 reward points as a welcome bonus after paying the joining fee.
Reward Points Earning
4 Reward Points per Rs. 150 Spent: Earn 4 reward points on every Rs. 150 spent on retail purchases, with exclusions for fuel, EasyEMI, and loading transactions.
Accelerated Rewards on SmartBuy
10x points on hotel/bus bookings.
5x points on Amazon shopping, flight bookings through Cleartrip and EasemyTrip, Redbus, and Apple Imagine.
3x points on Flipkart shopping and rail tickets.
Maximum of 4,000 accelerated points per month.
Reward Points
1 RP = Rs. 0.5 for flights and hotel bookings.
1 RP = Rs. 0.35 for products and vouchers.
1 RP = Rs. 0.20 for cashback.
1 RP = 0.5 air miles for Air Miles conversion.
Cap of 50,000 points per month for hotel/flight bookings and statement balance redemption.
70% value redemption for select vouchers/products with the remaining paid via credit card.
Rs. 99 redemption fee per request.
Milestone Benefits
Earn Up to 15,000 Reward Points Annually
10,000 reward points on spending over Rs. 5 lakhs in a year.
Additional 5,000 reward points on spending over Rs. 8 lakhs in the same period.
Airport Lounge Access
Domestic Lounge Access
8 complimentary domestic lounge visits annually (2 per quarter) upon spending Rs. 1 lakh in the preceding quarter.
Additional visits are subject to lounge discretion and may incur charges.
International Lounge Access
Complimentary Priority Pass membership with 6 free lounge visits outside India.
Subsequent visits are chargeable at USD $27 per visit.
Priority Pass membership is available after completing a minimum of 4 retail transactions.
Dining Benefits
Up to 20% Off at Partner Restaurants: Avail up to 20% discount at partner restaurants through the Good Food Trail program when paying via Swiggy Dineout.
Insurance Benefits
Comprehensive Insurance Coverage
Rs. 1 crore for accidental death.
Rs. 15 lakhs for medical emergencies.
Rs. 9 lakhs for lost card liability.
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 at all fuel stations in India, capped at Rs. 500 per month.
Fee Waivers
Joining & Renewal Fee Waiver: The annual fee of Rs. 2,500 is waived if you spend Rs. 3 lakhs or more in the preceding year.
Finance & Forex Charges
Joining & Annual Fees: Rs. 2,500 plus taxes for both joining and annual fees.
Interest Rate: 3.6% per month (43.2% annually) on outstanding dues.
Forex Mark-up Fee: 2% of the transaction amount plus taxes on foreign currency transactions.
Cash Advance Charges: 2.5% of the withdrawn amount or Rs. 500, whichever is higher.
Summary
This credit card offers a welcome bonus of 2,500 reward points upon paying the joining fee. Cardholders can earn up to 15,000 reward points annually: 10,000 for spending over Rs. 5 lakhs and an additional 5,000 for exceeding Rs. 8 lakhs. Benefits include 8 free domestic lounge visits and complimentary Priority Pass membership for 6 international lounge visits. Dining discounts of up to 20% are available at partner restaurants through Swiggy Dineout. The card provides comprehensive insurance coverage, including Rs. 1 crore for accidental death, Rs. 15 lakhs for medical emergencies, and Rs. 9 lakhs for lost card liability. Enjoy a 1% fuel surcharge waiver and fee waivers on annual spending. Earn 4 reward points per Rs. 150 spent, with accelerated rewards such as 10x points on hotel/bus bookings and 5x points on Amazon shopping. Points can be redeemed for flights, hotels, products, or cashback with specific rates and a Rs. 99 redemption fee. The card has a Rs. 2,500 annual fee, a 3.6% monthly interest rate, a 2% forex mark-up fee, and cash advance charges.