HDFC Regalia
HDFC About This Card
The HDFC Regalia is a premium credit card from HDFC with an annual fee of ₹2,500 (waived on ₹3L annual spend). It offers a base reward rate of 1.3% with up to 13.0% on select categories. Key perks include 8 complimentary domestic lounge visits, 6 international, and fuel surcharge waiver. Best suited for frequent travellers and dining enthusiasts.
Pros & Cons
Pros
- Competitive 1.3% reward rate
- Easy fee waiver at ₹3L/year spend
- Generous lounge access benefits
- Fuel surcharge waiver saves on petrol/diesel
Cons
- ₹2,500 annual fee may not suit light spenders
- 3.5% forex markup on international transactions
- Requires minimum ₹12L annual income
Fee Details
Reward Structure
Lounge Access
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
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