HDFC BankRegalia
Visa / Mastercard / RuPay
HDFC Bank · Visa / Mastercard / RuPay
Regalia
Joining ₹2,500 · Annual ₹2,500 · Renewal fee waived on ₹3,00,000 spend in the preceding membership year (official MITC, Aug 2026)
Fee break-even: ≈₹1,87,970/yr through this card at its base rate. Below that, the fee eats the rewards.
Earns Reward Points · assumed 0.5 ₹/point. 1 RP = ₹0.50 redeemed against flights/hotels on HDFC SmartBuy, capped at 50,000 RP per calendar month with a maximum 70% of the booking payable in points. ₹99 + GST redemption fee. ₹500 minimum for cashback redemption. Points expire 2 years from accrual and are nullified if the card goes 365 days unused.
Verified 10 Aug 2026Forex markup2%
GolfNone
Concierge24x7 Regalia concierge (dining, travel, gifting assistance) via the Regalia support desk
EMI₹99 to ₹699 plus GST at a merchant, up to ₹849 plus GST converting a statement balance processing fee · A converted purchase stops earning rewards · HDFC's fee follows the merchant and the scheme rather than your card, so the same tenure can cost ₹99 at one shop and ₹699 at another. It is not refunded if you cancel or pre close. Cancelling inside 7 days is free, after that pre closing costs 3% of the principal left plus GST. · EasyEMI earns nothing and points are reversed if a retail spend is converted to SmartEMI
Fuel surcharge1% on transactions of ₹400 to ₹5,000, capped ₹500 per statement cycle
Domestic lounge8 a year. SPEND-GATED AND VOUCHER-BASED. Up to 2 complimentary domestic lounge vouchers per calendar quarter (max 8/year), shared between the primary and add-on cardholders, released only on minimum ₹1,00,000 spend in a calendar quarter. The voucher must be downloaded from the Regalia SmartBuy/rewards portal and presented at the lounge. The legacy Regalia does NOT get swipe-in access, unlike Regalia Gold. The ₹1,00,000 quarterly bar is materially harder than Regalia Gold's ₹60,000.
International lounge6 a year. 6 complimentary visits per year via Priority Pass, shared between the primary and add-on cardholders, with no spend gate. Priority Pass is not issued automatically. You must request it through phonebanking and at least 4 transactions must have been done on the card. On the RuPay variant the card itself can be used at overseas lounges. Visits beyond the 6, and all guests, are charged US$27 + taxes per person.
Milestones
- ◆ Spend ₹5,00,000 per year → 10,000 bonus Reward Points Worth ₹5,000
- ◆ Spend ₹8,00,000 per year → Additional 5,000 bonus Reward Points (15,000 bonus RP in total for the anniversary year) Worth ₹2,500
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 1.33% | Base rate |
| Amazon | 1.33% | Base rate |
| Flipkart | 1.33% | Base rate |
| Subscriptions & OTT | 1.33% | Base rate |
| Offline spend | 1.33% | Base rate |
| UPI spending | 1.33% | 500 RP per calendar month (≈₹18,750 of UPI spend) · RuPay variant only. Visa and Mastercard Regalia cards cannot be linked to UPI. On the RuPay variant UPI spends earn the standard 4 RP/₹150, but HDFC's bank-wide credit-on-UPI ceiling of 500 reward points per calendar month applies. Confidence note: the RuPay Regalia's existence and UPI earn rate are corroborated by community listings rather than a card-specific HDFC document. |
| Dining | 1.33% | Base rate |
| Swiggy | 1.33% | Base rate |
| Zomato | 1.33% | Base rate |
| Groceries | 1.33% | 2,000 RP per calendar month (≈₹75,000 spend) · Grocery-MCC accrual capped at 2,000 RP/calendar month. Spend beyond the cap earns nothing. |
| Quick commerce | 1.33% | Uses its groceries rate |
| Swiggy Instamart | 1.33% | Base rate |
| Blinkit | 1.33% | Base rate |
| BigBasket | 1.33% | Uses its groceries rate |
| Movies & shows | 1.33% | Base rate |
| BookMyShow | 1.33% | Base rate |
| PVR INOX | 1.33% | Base rate |
| Fuel | 0% | No reward points on fuel. 1% fee on the whole transaction once monthly fuel spend exceeds ₹15,000 (capped ₹4,999 per transaction) |
| Travel (general) | 1.33% | Base rate |
| Flights | 6.65% | Accelerated portion capped at 4,000 bonus RP per month and 2,000 bonus RP per day. Base 2.67 RP/₹100 continues uncapped · Only via HDFC SmartBuy, where flights earn 5X = 13.3 RP per ₹100. Direct airline/OTA bookings earn the base 1.33%. |
| Hotels | 13.3% | Accelerated portion capped at 4,000 bonus RP per month and 2,000 bonus RP per day. Base 2.67 RP/₹100 continues uncapped · Only via the HDFC SmartBuy portal, where hotels (and buses) earn 10X = 26.7 RP per ₹100. Hotels booked elsewhere earn the base 1.33%. |
| MakeMyTrip | 1.33% | Base rate |
| IRCTC rail | 1.33% | Base rate |
| International | −0.67% | 1.33% reward − 2% forex markup |
| Utilities & bills | 1.33% | 2,000 RP per calendar month (≈₹75,000 spend) · Utility accrual capped at 2,000 RP/calendar month, with a separate 2,000 RP/month cap on telecom. HDFC also charges 1% on the whole month's utility spend once it exceeds ₹50,000 in a calendar month (capped ₹4,999/month). |
| Rent | 0% | No reward points. Extends to property management, maintenance and packers/movers. 1% fee on every rent transaction (capped ₹4,999 per transaction) |
| Education fees | 1.33% | Earns the base rate when paid directly on the institution's website or POS. Third-party apps (CRED, Cheq, MobiKwik, NoBroker) earn nothing and attract a 1% fee capped ₹4,999 per transaction. |
| Insurance premiums | 1.33% | 2,000 RP per calendar month (≈₹75,000 spend) · W.e.f. 1 July 2025 the cap moved from 2,000 RP per DAY to 2,000 RP per MONTH (official MITC). Most published Regalia reviews still quote the old per-day cap. |
| Government & tax | 0% | Government and tax payments earn no reward points |
| Wallet loads | 0% | Wallet and prepaid/gift card loads earn nothing. 1% fee once monthly wallet loads exceed ₹10,000, PayZapp excluded (capped ₹4,999/month) |
| Anything else | 1.33% | Base rate |
| Jewellery | 1.33% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- CLOSED TO NEW APPLICANTS. HDFC has discontinued sourcing of the classic Regalia for Indian resident customers. New applicants are routed to Regalia Gold, which is the bank's current ₹2,500 mass-affluent flagship. Existing holders keep the card, keep all features, and can renew it indefinitely. The very large legacy base is why the card still matters. Holders may also request an upgrade to Regalia Gold, which resets milestone tracking and zeroises milestone spends.
- Welcome / renewal benefit: 2,500 Reward Points credited on payment of the joining fee and again on each renewal fee payment. Not given in any year the fee is waived by spend. So hitting the ₹3 lakh waiver actually forfeits ~₹1,250 of points.
- Earns 4 RP per ₹150 where Regalia Gold earns 5 RP per ₹200, so this card out-earns the product that replaced it.
- SmartBuy accelerators: 10X on hotels and buses, 5X on flights and select retail, 3X on other shopping and rail tickets, with accelerated points capped at 4,000 bonus RP per month and 2,000 bonus RP per day.
- Insurance: ₹1 crore air-accident death cover, up to ₹15 lakh emergency overseas medical/hospitalisation, ₹9 lakh lost-card liability.
- Bank-wide HDFC fees, separate from the reward exclusions: 1% on every rent transaction (cap ₹4,999/txn). 1% on total monthly wallet loads above ₹10,000, PayZapp excluded (cap ₹4,999/month). 1% on the full fuel transaction once monthly fuel spend exceeds ₹15,000 for consumer cards, ₹30,000 for business cards (cap ₹4,999/txn). 1% on the whole month's utility spend above ₹50,000 (cap ₹4,999/month). 1% on education via third-party apps (cap ₹4,999/txn). 1% on online skill-based gaming above ₹10,000/month. All of these caps run per CALENDAR MONTH, not per statement cycle.
- Redemption housekeeping: cashback against statement balance capped at 50,000 RP/calendar month with a ₹500 minimum. Flight/hotel redemption capped at 50,000 RP/calendar month with a 70% ceiling on the booking value. Up to 70% of a product/voucher's value payable in points. On card closure points survive only 30 days and only for products/vouchers. A card reissuance fee of ₹199 applies to non-metal cards.
Other exclusions
- EasyEMI earns nothing and points are reversed if a retail spend is converted to SmartEMI
- Online skill-based gaming earns nothing, plus a 1% fee above ₹10,000/calendar month
- Cash advances earn no points and carry interest from day one
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 10 Aug 2026.