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HDFC Bank · Visa · हिन्दी

HDFC Regalia Credit Card: full review

The HDFC Regalia is the sweet spot for frequent domestic travellers and diners. The 12 lounge visits and 2% forex rate make it excellent value for its fee.

Apply now ↗Annual fee: ₹2,500 + taxes
Last updated: August 2026 · Current terms verified
HDFC BANK
VISA
)))
REGALIA
ASHOK KUMAR
12/28
₹2,500 + taxes (waived on ₹3L spend)Annual fee
4 reward points per ₹150 spent; 2X on dining and internationalReward structure
12 visits/year (domestic + international)Lounge access
12 complimentary lounge visits/year2X points on dining and international spendLow 2% forex markupPriority Pass membershipMilestone benefits up to ₹5,000/year
Apply now ↗ Min. income: ₹6L+ per year · Credit score: 750+
Pros and cons
Pros
✓ Best lounge access in mid-range segment
✓ Low forex charges for international travellers
✓ Strong dining rewards
✓ Milestone vouchers offset the fee
Cons
✗ Higher income requirement
✗ Reward redemption requires tracking points
✗ Annual fee harder to waive
Quick facts
Issuer HDFC Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,500 + taxes (waived on ₹3L spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹2,500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 12 visits/year (domestic + international)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹6L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceHDFC Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for HDFC Regalia Credit Card is ₹2,500 + taxes (waived on ₹3L spend). The joining fee is ₹2,500.
4 reward points per ₹150 spent; 2X on dining and international
HDFC Regalia Credit Card is best for Premium rewards and lounge access. The HDFC Regalia is the sweet spot for frequent domestic travellers and diners. The 12 lounge visits and 2% forex rate make it excellent value for its fee.
The minimum income requirement for HDFC Regalia Credit Card is ₹6L+ per year. A minimum credit score of 750+ is also recommended.
Yes, HDFC Regalia Credit Card offers 12 visits/year (domestic + international).
HDFC Regalia Credit Card charges a 2% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Travel Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Salaried Employees →Best Premium Credit Cards →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
Compare with similar cards
HDFC Regalia vs SBI Card ELITE Compare →HDFC Regalia vs Axis Magnus Compare →HDFC Regalia vs HDFC Regalia Gold Compare →HDFC Regalia vs SBI Card PRIME Compare →HDFC Regalia vs HDFC Diners Club Privilege Compare →HDFC Regalia vs Standard Chartered Ultimate Compare →
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HDFC Regalia₹2,500 + taxes
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