HDFC · Credit Card

HDFC Regalia Credit Card

Official product: HDFC Bank Regalia Credit Card

Premium

Travel & lifestyle focused rewards
Airport lounge access on eligible spends
Higher reward rates and premium privileges

Opens the partner’s official application pageDownload product PDF

Fees, rewards and eligibility shown below are decided solely by HDFC and can change without notice — always confirm current terms on the official page before applying.

Fees & Charges

Joining Fee: ₹2,500 + taxes
Annual / Renewal Fee: ₹2,500 + taxes
Annual Fee Waiver Condition: Not disclosed by issuer — check official card page
Interest Rate / Finance Charge: 3.6% per month (43.2% p.a.) on many current HDFC consumer cards; card-specific MITC/product terms prevail.
Late Payment Charges: As per current HDFC Bank MITC / statement balance slab; see official MITC for current slabs.
Forex Markup Fee: 3.5%

Rewards, Travel & Lifestyle

Reward / Cashback Rate: Not disclosed by issuer — check official card page
Reward / Cashback Cap: Not disclosed by issuer — check official card page
Welcome Benefits: 2,500 Reward Points on joining-fee payment; renewal points when renewal fee is paid, per product terms.
Domestic Lounge Access: Current voucher-based domestic lounge programme applies
International Lounge Access: Not disclosed by issuer — check official card page
Lounge Unlock / Spend Condition: Current HDFC terms indicate lounge vouchers linked to preceding-quarter spend thresholds.
Fuel Surcharge Waiver: Not disclosed by issuer — check official card page

Eligibility & Documents

Minimum Income / Eligibility: Not disclosed by issuer — check official card page
Age Eligibility: Generally 18+; exact upper age / income is product and underwriting dependent.
Employment Type: Salaried / self-employed, subject to bank underwriting.
Documents Required: PAN, identity proof, address proof and income proof such as salary slips/Form 16/ITR/bank statements, as applicable.

Official Sources & Verification

Official card page →Official MITC / Schedule of Charges →

Last verified: 2026-09-12. Verified from official source(s); undisclosed fields explicitly marked

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Frequently asked questions

What are the joining and annual fees for the HDFC Regalia credit card? ▾

Joining fee: ₹2,500 + taxes. Annual fee: ₹2,500 + taxes.

Who is eligible for the HDFC Regalia credit card? ▾

Generally 18+; exact upper age / income is product and underwriting dependent. Salaried / self-employed, subject to bank underwriting.

What is the forex markup fee on the HDFC Regalia credit card? ▾

3.5%

Does the HDFC Regalia credit card offer airport lounge access? ▾

Domestic: Current voucher-based domestic lounge programme applies Current HDFC terms indicate lounge vouchers linked to preceding-quarter spend thresholds.