HDFC Bank
HDFC Regalia Credit Card
4.0 / 5visa · mastercard
- Joining fee
- ₹2,500
- Annual fee
- ₹2,500
- Base reward
- 0.63%
- Min income
- ₹12,00,000/mo
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Everything else | 0.63% | Uncapped |
| Online shopping | 3.13% | Uncapped |
Benefits
- ▸6 complimentary international airport lounge visits per year via Priority Pass
- ▸Complimentary Swiggy One and MakeMyTrip BLACK Gold memberships on activation
- ▸Smartbuy Boarding Edge Program: choose any 2 per quarter from Spa, Buffet, Hotel Room Upgrade or Airport Transfer by uploading boarding pass
- ▸Accelerated 5X reward points on partner brands (Myntra, Nykaa, M&S, Reliance Digital) via SmartBuy
- ▸Reward points redeemable for flights/hotels at up to ~Rs 0.50 per point via SmartBuy
The good
- + Strong travel benefits: 6 international Priority Pass + 12 domestic lounge visits per year
- + Low Rs 2,500 fee, fully waivable on Rs 4 Lakh annual spend
- + Up to Rs 12,500 in milestone vouchers per year on high spends, plus Rs 2,500 welcome voucher
- + Complimentary Swiggy One and MMT BLACK Gold memberships add easy first-year value
The catch
- − Base reward rate is modest (~0.63% effective) and was cut in the 15 May 2026 revision (5 RP/Rs 200 from 4 RP/Rs 150)
- − Domestic lounge access now spend-gated at Rs 60,000 per preceding quarter (May 2026 change)
- − High 3.5% foreign currency markup makes it weak for overseas spends
- − Plain 'HDFC Regalia' is effectively discontinued; new applicants are issued 'Regalia Gold', so legacy Regalia terms no longer apply