HDFC Regalia Credit Card 2025 - Premium Benefits & Apply Online
4X Reward Points on Dining and Shopping | Complimentary Airport Lounge Access
Key Features & Benefits
4X Points on Dining
Earn 4 reward points per ā¹150 spent on dining at restaurants and food delivery
4X Points on Travel
Get 4 reward points per ā¹150 on airline tickets, hotels, and travel bookings
2X Points on Shopping
Earn 2 reward points per ā¹150 on all other purchases including shopping
Airport Lounge Access
Complimentary access to 700+ airport lounges worldwide including domestic
HDFC Regalia Credit Card Complete Review 2025
Why Choose HDFC Regalia Credit Card?
The HDFC Regalia Credit Card stands out as one of India's premier mid-tier credit cards, offering exceptional value for money. With its attractive reward structure of 4X points on dining and travel, this card is perfect for urban professionals who frequently dine out and travel for business or leisure.
What makes this card particularly appealing is its reasonable annual fee of ā¹2,500, which can be completely waived with annual spending of ā¹3 lakhs. This threshold is easily achievable for most cardholders, making it effectively a free premium credit card.
Target Audience: This card is ideal for young professionals with monthly income of ā¹25,000+, frequent diners who spend significantly on restaurants and food delivery, regular travelers who book flights and hotels frequently, credit card enthusiasts looking for airport lounge access, and individuals who want premium benefits without paying high annual fees.
Reward Points Strategy & Redemption
The HDFC Regalia reward structure is designed to maximize value for everyday spending categories. Here's how to optimize your rewards:
Best Redemption Options: Flight Bookings provide ā¹0.25 per point through HDFC SmartBuy portal, Hotel Reservations offer excellent value of ā¹0.22-0.25 per point, Shopping Vouchers for Amazon and Flipkart are available at ā¹0.20 per point, and Statement Credit provides ā¹0.20 per point for cash-like redemption.
Annual Rewards Calculation: For a typical user spending ā¹50,000 on dining and ā¹30,000 on travel annually, plus ā¹1,20,000 on other purchases, the card generates approximately 8,000 reward points worth ā¹1,600-2,000 in value.
Airport Lounge Access Benefits
The HDFC Regalia provides comprehensive airport lounge access that rivals many premium cards:
Domestic Lounge Access: You get 6 complimentary visits per year to domestic airport lounges, access to HDFC Bank lounges across major Indian airports, Priority Pass equivalent access at select locations, and guest access available at nominal charges.
International Benefits: While primarily focused on domestic travel, the card also provides limited international lounge access through partner networks, making it suitable for occasional international travelers.
Comparison with Other Credit Cards
When compared to similar cards in the market, HDFC Regalia offers competitive advantages:
vs. HDFC Millennia: While Millennia offers 5% cashback on online spending, Regalia provides better dining rewards and lounge access, making it ideal for users who prioritize offline spending and travel benefits.
vs. Axis Magnus: Magnus offers higher rewards but comes with a ā¹12,500 annual fee. Regalia provides excellent value at a much lower cost, perfect for users who want premium benefits without the high fee.
vs. SBI Prime: Both cards target similar audiences, but Regalia's 4X dining rewards and better redemption options give it an edge for food enthusiasts.
HDFC Regalia Credit Card Details
š³ Fees & Charges
š Reward Structure
āļø Premium Benefits
š Eligibility Criteria
How to Apply for HDFC Regalia Credit Card
š Application Requirements
Documents Needed: PAN Card (mandatory), Aadhaar Card or Passport, Income proof (salary slips/ITR), Bank statements (3 months), and Address proof documents.
Processing Time: Typically 7-10 working days for approval and card delivery. Instant approval available for existing HDFC Bank customers with good relationship.
š” Application Tips
Increase Approval Chances: Maintain credit score above 750, show stable income for 6+ months, keep debt-to-income ratio below 40%, avoid multiple credit inquiries, and consider starting with existing HDFC relationship.
Credit Limit Expectations: Initial limits typically range from ā¹1 lakh to ā¹5 lakhs based on income and credit profile. Limits can be enhanced after 6 months of good usage.
Frequently Asked Questions - HDFC Regalia Credit Card
You need to be 21-60 years old with a minimum monthly income of ā¹25,000 for salaried individuals or annual income of ā¹6 lakhs for self-employed. Good credit score (750+) is preferred for instant approval.
The annual fee of ā¹2,500 + GST is waived if you spend ā¹3 lakhs or more in the previous year. This makes it effectively free for regular users who meet the spending threshold.
Use the card for dining and travel to earn 4X points (highest reward rate). Combine with HDFC Millennia card for online shopping or Axis ACE credit card for bill payments to create an optimal reward strategy.
Points can be redeemed through HDFC SmartBuy portal for shopping, flights, hotels, or statement credit. 1 point = ā¹0.20-0.25 value depending on redemption method. Flight bookings typically offer the best value.
You get access to 700+ airport lounges worldwide including domestic lounges in India, Priority Pass lounges, and HDFC Bank lounges. 6 complimentary domestic lounge visits per year are included.
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