HDFC Bank Regalia Credit Card

Movie & Dining

Get up to 20% off on partner restaurants via Swiggy Dineout only when the payment is made through the Swiggy application.

Rewards Rate

4 reward points every time one spends Rs. 150.

Reward Redemption

1 RP = Rs. 0.5 for redemption against flights and hotel bookings on HDFC Smartbuy website, 1 RP = up to Rs. 0.35 if you want to redeem against vouchers and poducts, 1 RP = Rs 0.20 for cash back, and Air miles conversion at a value of 1RP = 0.5 air mile.

Travel

Complimentary Domestic and International Lounge Access. You get travel-related insurance benefits as well.

Domestic Lounge Access

8 free airport lounge access per year within India.

International Lounge Access

6 airport lounge access every year outside India through the Priority Pass.

Golf

N/A

Insurance Benefits

Insurance cover worth Rs. 1 Crore against accidental air death and coverage of up to Rs. 15 lakhs against emergency hospitalization for overseas treatment.

Generous Welcome Bonus

Become a cardholder and start off with a warm welcome. This card offers a welcome bonus of 2,500 Reward Points. These points can be redeemed for a wide array of rewards from the credit card's rewards catalogue. This could include anything from travel bookings to gift vouchers, depending on the provider. This is a great way to start maximizing the benefits from your credit card from day one.

Rewarding Retail Spends

This card offers substantial rewards for your retail spends. For every Rs. 150 that you spend on retail, you earn 4 Reward Points. This includes purchases at your favourite shopping outlets, both online and offline. The more you spend, the more rewards you earn. The Reward Points can be accumulated and redeemed for a variety of exciting rewards as per the card's rewards catalogue.

Anniversary Year Bonanza

Big spenders are handsomely rewarded with this card. Spend Rs. 8 lakhs in an anniversary year and you earn a total of 15,000 bonus Reward Points. This gives you a great incentive to use your card for all your spends throughout the year. By reaching this spending milestone, you can significantly boost your Reward Points balance and enjoy a variety of rewards.

Discounts on Dining

Enjoy great savings on dining out with this card. Get up to 20% off on partner restaurants via Swiggy Dineout. Whether it's a meal out with friends, a date night, or a family celebration, you can enjoy delicious food at a discounted price. This feature makes your dining experiences more enjoyable by making them more affordable.

Priority Pass Membership

Enjoy the luxuries of premium airport lounges with the complimentary membership to the Priority Pass program. This feature allows you to wait for your flights in comfort and style. Relax and enjoy the amenities of exclusive airport lounges around the world, regardless of your airline or class of travel. The Priority Pass program gives you access to over 1,300 lounges in over 600 cities across the world.

Complimentary Lounge Access

Travel in style with this card. It offers 6 complimentary Lounge Access at airports outside India and 12 within India per year. This provides you with a peaceful and comfortable space to relax and refresh during your travels. Enjoy complimentary refreshments, free Wi-Fi, comfortable seating, and other amenities that make your travel experience more enjoyable.

Low International Transaction Charges

This card is great for international travellers as it charges a low international transaction fee of just 2%. This means you can use your card abroad without worrying about high fees. Whether you're shopping, dining, or paying for accommodations, this feature can help you save money on your international transactions.

Renewal Fee Waiver

As a reward for your loyalty and high spending, the card's renewal fee will be waived off if you spend over 3 lakhs in the previous year. This is a significant saving that makes the card even more valuable. You can continue enjoying the benefits of the card without having to pay the annual renewal fee.

Fuel Surcharge Waiver

This card comes with a fuel surcharge waiver feature. You get a 1% fuel surcharge waiver capped at a maximum of Rs. 500 per month. This means you can save on fuel costs every time you fill up your vehicle. This is a great saving feature for those who drive regularly or have long commutes.

Air Accident Insurance

For your peace of mind, this card offers travel insurance benefits in case of an air accident. You get coverage worth up to Rs. 1 crore. This feature provides financial security in the unfortunate event of an accident during air travel. It's a valuable feature that helps ensure your safety and security while you travel.

Bonus reward points as welcome benefit and a high reward rate

Low forex markup fee of 2%

Complimentary domestic and international lounge access with Priority Pass membership

Regalia Gold charges a similar joining fee and has better benefits and redemption options

Several spend categories are excluded from earning reward points and points expire after 2 years from accrual date.