Is HDFC Regalia worth the ₹2,500 annual fee?

HDFC Regalia has an annual fee of ₹2,500. The fee can be waived if you spend ₹3l/year. With a base reward rate of 1.3% (up to 13%), 8 domestic lounge visits, and a CardTrail Score of 8.3/10, it offers good value for the price.

What is the reward rate on HDFC Regalia?

HDFC Regalia offers a base reward rate of 1.3% on regular spends, going up to 13% on select categories. Rewards are earned as Regalia Reward Points. New cardholders also get a welcome bonus of 2500 reward points.

Does HDFC Regalia have airport lounge access?

Yes, HDFC Regalia provides 8 domestic and 6 international lounge visits per year.

What is the forex markup on HDFC Regalia?

HDFC Regalia charges a 3.5% forex markup on international transactions, plus 18% GST on the markup (effective rate: 4.13%). For international spends, consider zero-forex alternatives like Scapia or IDFC First Wealth.

HDFC Regalia vs IDFC FIRST Diamond Reserve Credit Card — which is better?

HDFC Regalia (CardTrail Score: 8.3/10) and IDFC FIRST Diamond Reserve Credit Card (Score: 9.0/10) are both premium cards. HDFC Regalia by HDFC has a ₹2,500 fee with 1.3% base rewards, while IDFC FIRST Diamond Reserve Credit Card by IDFC FIRST has a ₹3,000 fee with 0.5% base rewards. Use our comparison tool for a detailed side-by-side analysis.

Premium

HDFC Regalia

HDFC

8.3

CardTrail Score

Very Good

out of 10

Net Value

10.0

Accessibility

3.5

Feature Depth

8.0

Bank Trust

9.0

How we score →

Compare This Card Full Details

Annual Fee

₹2,500

Spend ₹3L/year

Forex Markup

3.5%

Reward Rate

1.3%

Up to 13%

Lounge Access

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 8 complimentary lounge visits, fuel surcharge waiver. Best suited for frequent travellers and dining enthusiasts.

Pros & Cons

Pros

Competitive 1.3% reward rate
Generous lounge access benefits
Fuel surcharge waiver saves on petrol/diesel
Easy EMI conversion on purchases

Cons

₹2,500 annual fee may not suit light spenders
3.5% forex markup is above average
Requires minimum ₹12L annual income

Fee Details

Annual Fee

₹2,500

Joining Fee

₹2,500

Fee Waiver Condition

Spend ₹3L/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

1.3%

Max Rate

13%

Currency

Regalia Reward Points

Welcome Bonus

2500 reward points

Lounge Access

Domestic Lounges

per year

International Lounges

per year

Key Highlights

Annual fee ₹2,500 (waiver: Spend ₹3L/year)
Up to 13.0% rewards on accelerated categories
8 complimentary domestic lounge visits/year
6 international lounge visits/year

Compare With...

See how HDFC Regalia stacks up against top alternatives

HDFC Diners Club Black

HDFC

9.1

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HDFC Tata Neu Infinity

HDFC

9.1

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IDFC FIRST Diamond Reserve Credit Card

IDFC FIRST

9.0

Compare

Want the Full Picture?

Compare the HDFC Regalia side-by-side with any card in our database. Use our comparison tool to see which card truly fits your spending pattern.

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Alert 43d left

Q2 lounge access requires Rs 40,000 quarterly spend

Reminder: Domestic lounge access on Regalia, Regalia Gold, and Diners Club Privilege requires Rs 40,000 spend in the previous quarter. Track your spend to keep access.