Premium
HDFC Regalia
HDFC 8.3
CardTrail Score
Very Good
out of 10
Annual Fee
₹2,500
Spend ₹7.5L/year
Forex Markup
2%
Reward Rate
1.3%
Up to 13%
Lounge Access
12
domestic | 6 intl
About This Card
The HDFC Regalia is a premium credit card from HDFC with an annual fee of ₹2,500. It offers a base reward rate of 1.3% with up to 13.0% on select categories. Key perks include 12 complimentary lounge visits, fuel surcharge waiver. Best suited for frequent travellers and dining enthusiasts.
Pros & Cons
Pros
- Competitive 1.3% reward rate
- Low forex markup at 2.0%
- Generous lounge access benefits
- Fuel surcharge waiver saves on petrol/diesel
Cons
- ₹2,500 annual fee may not suit light spenders
- 2.0% forex markup on international transactions
- Requires minimum ₹12L annual income
Fee Details
Annual Fee
₹2,500
Joining Fee
₹2,500
Fee Waiver Condition
Spend ₹7.5L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
1.3%
Max Rate
13%
Currency
Regalia Reward Points
Welcome Bonus
2,500 Reward Points
Lounge Access
Domestic Lounges
12
per year
International Lounges
6
per year
Key Highlights
- + Annual fee ₹2,500 (waiver: Spend ₹7.5L/year)
- + Up to 13.0% rewards on accelerated categories
- + 12 complimentary domestic lounge visits/year
- + 6 international lounge visits/year
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Quick Summary
Best For
travel dining
Annual Fee ₹2,500
Base Reward 1.3%
Max Reward 13%
Forex Markup 2%
Network Visa Signature
Min Income ₹12L+
CardTrail Score
Best For
travel dining
