HDFC Bank Regalia Credit Card Review

By | May 11, 2019

Important Note: Content Outdated. Please Refer to my latest review here: HDFC Regalia Review

HDFC Regalia Credit Card is one of the Super premium credit cards issued by the bank which holds a prestigious status. It’s usually given to high net-worth individuals who have higher ITR or a better relationship value with the bank. Its loaded with whole lot of features with great reward points on every spend. The accrued reward points can be redeemed for mobile recharge or hotel/flight bookings and more.


HDFC Regalia Credit Card – Indulge in Luxury

Typically, if you’re a frequent shopper, Regalia card can accumulate huge reward points and you can enjoy a foreign vacation with your family for FREE once in a while. One of my friend actually does it in real life. He puts all his business expenses on this card, anywhere around 2L-3L a month and uses all the points accumulated over a span of an year to book flight tickets to Malaysia for his family. That literally saves huge money πŸ™‚

HDFC Regalia Credit Card Reward Points:

Their reward pointing system, redemption and usage are quite complex, but i’m here to make it easier for you to understand πŸ™‚ Unlike moneyback card which limits higher reward points for online purchases alone, with Regalia credit card, you get 4 reward points for every Rs.150 spend. You can also get an accelerated of 2X reward points on dining, selected air bookings and for purchases done on regalia website. That is 8 Reward points for every Rs.150 Spend. So now you should be wondering how much you can save with it. Here’s a simple calculation on how much you will save if you spend Rs.1 Lakh on the card.

  • Normal reward points (4 RP for Rs.150) = 2664 Points * 0.75 Rs/point = 1998 INR (~2% savings)
  • Accelerated reward points (8 RP for Rs.150) = 2X of above = 1998*2 = 3996 INR (~4% savings)

Hope that makes you clear about the fact that you can save upto 4% in monetary value with HDFC regalia credit card.

Redeem Regalia Reward Points:

To utilize the reward points, you first need to convert them into Regalia vouchers and then use in in their dedicated Regalia website. The disadvantage of this is that you can only purchase things from that website using the vouchers, you can’t take a cashback credit into your account as like Moneyback card. But good thing is Regalia website has lots of things which will help you in your day to day needs like Mobile/DTH recharges, Hotel/Flight/movie Bookings.

Alternatively, you can also convert Reward Points into AirMiles of leading domestic and international airlines @ 1.3RP = 1 Airmile (Jet Airways/Air india/Krisflyer) or 665 RP = Rs.500 indigo voucher.

Lounge Access:

Priority Pass: You get 6 free access with Priority Pass issued with Regalia. You can also apply for another priority pass for add on card holder. The Primary card holder and the add on member can jointly have 6 free access to the Priority Pass lounges every year. You need to swipe your Priority pass card to get access to the lounge.

MasterCard/Visa: You can get 2 complimentary access per quarter with Visa (or) MasterCard affiliated lounges. All you need to do is swipe your card directly for this lounge access.

This is one of the great feature the Regalia card has now.

HDFC Bank Regalia Credit Card Benefits:

  • Reward rate: ~1.6%  normally, upto ~3.2% on accelerated rewards (from Nov 1st 2016)
  • Accelerated Rewards: You can earn 2X Reward points on dining, selected air bookings and for purchases done on regalia website.
  • Complementary Airport lounge access: Yes,  up to 6 free accesses to the Priority Pass lounges every year. ( some cards have 5 instead of 12)
  • Fuel Surcharge Waiver: Enjoy 0% surcharge (Minimum transaction of INR 400. Maximum cash back of INR 500 per statement cycle)
  • Foreign Exchange Markup fee: 2% + Service Tax (Best Credit Card for Foreign travel)
  • Special Features: PREMIUM Dining, Travel and Lifestyle Privileges
  • Insurance Coverage: Air accident compensation of Rs. 1 Crore, Protection worth up to Rs. 15 lakhs against any medical emergency when you are traveling outside India.
  • Personal Concierge Service: Global Concierge Assistance for all your travel & other needs. Its kind of virtual assistant service over phone.

As you can see above, HDFC Regalia credit card is power packed with huge list of features as compared to any other card issued by any bank in India with such low annual/renewal fees, which also gets waived off on spend basis. Any reward rate above 2% is a great number and you can hardly see such numbers with other banks offerings. It not only gives you great reward points, but also serves as a great status symbol.

So are you gonna apply for it? No, slow down baby. HDFC bank issues this card only to high net worth individuals. Contact your account manager if you think you’re eligible for the same. If you already hold other credit cards with HDFC, you can ask customer care if you’re eligible for the up-gradation. Have something to say? Consider dropping a comment below πŸ™‚

March 2017 Update: Priority Pass issued by HDFC is now chargeable ($27) for Domestic Lounge Access. You can now use them only to access international lounges. You’re now left with Visa/Master card lounge access which is inbuilt with the card.

482 thoughts on “HDFC Bank Regalia Credit Card Review

  1. Rahul

    Going by your review, its one of the best cards.
    If I want another card with priority pass membership, with low annual charges, and good benefits, what will you advice sir ?

    1. Siddharth Post author

      Next to Regalia, Diners Card black & Infinia are the topmost cards. You can go for any one of it.

      1. Navneet Malik

        Sir is it true β‚Ή0.75/rp ? I have abt 6000 rp so if u r ryt then i should get near abt β‚Ή4500. According to bank branch head i may get only 600-700β‚Ή. So tell what is correct abt it.

        1. hemant kumar jha

          If u have Regalia card valuation of Re 0.75 is valid on Regalia website only where u can buy air tickets, movie tickets, get your mobile or TV recharged, where valuation will be Rs 4500. If u go for other gifts valuation will be less.

        2. Srikanth

          Recently it has changed from 0.75 paise to 0.60 paise if u r having 6000 RP you will get β‚Ή3600 but not in cash u have to redeem for flight, hotel bookings recharges etc.,

          1. Mayank

            Can anyone confirm this? I also want to apply for this card.

  2. Kaustav Chakravarthy

    I got one of these by invite. Had no idea it is this good. Nice to know. Great job on these reviews – thanks for sharing your knowledge!

  3. vanzy

    Hi Siddharth.
    I recently had an issue with my HDFC credit card so customer care offered me the Regalia Card.
    I want to know Does regalia card work well with Paypal. Will it work with online internet foreign companies I am working with Paypal as the payment processor. I have read some reviews that regalia card does not work well with paypal.

    1. Siddharth Post author

      Name of the card doesn’t and shouldn’t matter for using on Paypal. That being said, HDFC Regalia has to work smoothly. Just make sure international usage is enabled also that international limit covers your transaction amount.

    2. VS

      I purchase items from Ali Express (China based) now and then and always pay with my HDFC Regalia credit card. However I use HDFC’s Netsafe option to create a virtual card to make the payment. It is quite a safe route based on the fact that your original card details are not revealed on their payment page. Some websites like Amazon save your credit card details to offer ease of payment when buying from them again. Opinions may differ, but I think it would be best to delete the card details from the website once the order has been confirmed and shipped. This may however be a problem with Paypal as I think there is no way to delete card details held by them.

  4. sanjay khatri

    I am Regalia card holder and SO far I can say the HDFC bank is cheat in upgrading the card. I had Platinum plus card and had more than 8k points but when they upgraded my card I left only with 3k points, so it mean they convert the points into category level and make you fool. Additionally If you opt to redeem your points HDFC charge you 75 Rs. only for redeeming the points and never send you, your desired items. HDFC is the most conventional bank in modern technology world. So many technical errors in their database and customer suffers at the end.

    1. Siddharth Post author

      You usually loose some % of points when you upgrade to higher end card. Catalog redemption is never suggested, and yes, HDFC does have some issues at times, but they have some of the best cards in the industry as well. So we got to compromise on few things πŸ™‚

      1. Hardy

        Hi SIddharth,

        Same case with me. Not yet happened, but I am also being offered HDFC Regalia Card as an upgrade from my existing Superia Card. This, they are offering me by claiming my 60% reward points and only will carry forward 40% of my points to Regalia.

        What do you suggest.. should i go for the upgrade? Secondly, i got bit worried on the following two points of Regalia:

        1) Your review above states that they can be only redeemed against items on the Regalia website. This is a limitation, I wouldn’t be comfortable with that. Rather they should also offer vouchers of online shopping websites like Amazon / Flipkart on Regalia website for redemption. This way I can buy such vouchers and then ultimately buy anything from a huge choice of lakhs of products from online shopping sites.

        2) Another thing came across my eyes while reading the Terms and Conditions of Regalia cards on the HDFC Bank website was that their points are valid only till 1 year after accumulation then it would get expired! I have a huge point balance in my existing HDFC Superia Card only due to years of good usage and the fact that they are valid till the card is active. (In other words, No expiry date of points). If Regalia doesn’t offer this basic facility, it is not worth it i think.

        Kindly review the above two points also while suggesting. Thank you in advance for your help.

        And on a separate note, I also have an idea in my mind that I can redeem my entire points balance in my Superia Card which is close 20k, and there after making the points nil or negligible, I can accept their offer of upgrading to Regalia (and start fresh accumulation of points in Regalia Card only). This is even possible as the HDFC Bank CC Executive who called me for upgrade and I asked him this option.

        So what’s your say on this aspect as well?

        1. Siddharth Post author

          My best advice: Upgrade to Moneyback card and redeem for cash credit. 20k points(as you said on other thread) will give good cash value and also you’ll loose less(or no) points in this. That’s the best way to use your hard earned points. Once you redeem them, later you can choose to upgrade to regalia after 3 months or so.

          1. Bhavesh

            HI Siddharth,
            I have currently 16k reward points in my Platinum plus credit card, which will be soon auto upgraded to All Miles card (as the previous one expires in March’16).. What’s the best way to utilize my hard earned 16ks reward points from Platinum plus card..??

          2. Siddharth Post author

            Get it upgraded and then use it on recharges & such. Else you can also redeem and then upgrade (if point value is high)

          1. Bhavesh

            Hi Rakesh,
            What’s the best redemption way?? In the form of vouchers OR to get something from the catalogue ??

        1. Siddharth Post author

          Because premium cards has more value per point and so during the transfer they equalize the value by reducing the points.

      2. Manjunatha B

        For the reason, we have to redeem the reward points before we do upgrade. I did the same and now having regalia card with good features

        1. Prashant Gupta

          It doesnt matter as the rupee value after uograde will remain the same.

    2. NIHIT

      My card upgraded too but they didnt told me about point reduction. i made several followups via mail & escalated the matter in social site as well.
      they credited my previous reward points in upgraded Regalia. yes in terms of reward points there is no comparison with this card to anyone.

    3. Sachin

      HDFC does not charge Rs. 75 for redeeming points in case you own a Regalia Credit Card. Hence, point redemption is free in this case.

      1. Prashant Karkera

        But they have started charging in Regalia card also one month back.

        1. Priyab

          HDFC charges Rs.75/- + service tax of Rs.11/- odd for point redeem of all cards. But if you have HDFC VISA Moneyback then you can adjust that (10k points = Rs.4k) with your billed amount.

          Recently i upgraded from Moneyback to Regalia and lost good amount (11k point = Rs.4.4k) and only carry forward 37% of points. I upgraded earlier also, but points remain as it is. But this value is also nearly equal to same amount if i pick movie/flight/recharge options.

          Not that bad deal after all. Sometimes i feel i should have done moneyback first and then upgrade. But past is past, can’t help.

  5. Srinivas

    Can anyone tel me the use of ” hdfc bank premium credit card voucher ” under redeem reward points. Where can i use this voucher ?

    1. Siddharth Post author

      If you hold Regalia card, it’s probably the way to generate “regalia voucher” to use in regalia website. you can use this voucher to recharge mobiles, hotel/flight bookings and such.

  6. delhi_traveller

    Hi. How to know whether my Priority Pass ( issued with the Regalia card ) gives me 12 free visits OR 5 free visits ???

    1. Siddharth Post author

      Call up Customer care. You would have also received that details in the cover letter that comes along with the card. most cards these days has 5 free visit only.

      1. Abhishek Roy

        Today my wife received the Regalia card. She was upgraded from AllMiles card. The cover letter that came said that Priority Pass Complimentary visits are 12/year. Besides, her points were also not cut as I guess, the value of AllMiles and Regalia card are same. Probably that’s why.

        1. Arthur

          How useful is the Priority Pass and lounge access ?
          What does the “free” access include.
          And if i am traveling with a dependent then how does it work.

          Anyone ?

          1. Siddharth Post author

            Free access gives you free wifi,food,juice,coffee etc.
            You have to pay the guest charge if someone is accompanying you.

        2. Pratik Singh

          No allmiles and regalia reward points value are different regalia card value is high

  7. satish

    when i applied online for credit card from hdfc bank then their representative told me ” we will give you life time regalia card with no ANNUAL FEE”. please tell me is this true ?

    1. Siddharth Post author

      Yes, if they say so, its true. This offer varies from profile to profile.

      1. PRADEEP P

        its false,they will charge you about 3000 rs as annual maint fees. the offers are all useless

        1. Mayuresh

          When HDFC approached me for this card, they said it is free for life provided you make 2-3 Payzap transactions. (Value of transaction does not matter it could be INR 10 also).

    2. Vijay Kumar

      This is not true…they don’t tell you about 300000 annual usage, I was told it was a life time free card and then charged 3000 last month as renewal fee. I am closing the card.

      1. ankur

        In my case I was charged some 490 rupees as finance charge I was told its life time free card. what is finance charge ? after clearing the dues I’ll close this card.

  8. SND

    Hi i had an option to choose between regalia or diners. So I selected diner premium. Features seem the same for both cards. Is Regalia better than Diner.

    1. Siddharth Post author

      Regalia & Diners Premium both has same 2% savings (as points)
      Difference is Diners cards are accepted only in some merchants. Most local stores don’t accept. Acceptance is increasing gradually though.

      1. Abhishek Roy

        Most local stores if they use HDFC, Citibank or Yesbank Machines accept Diners cards. Besides with the usage of mobile wallets like Paytm, Mobikwik, Payumoney, it has become very easy to pay with Diners cards even if the website doesn’t accept the card directly. The only website which I feel is a big bummer for any Diners card holder is the, which neither allows any Diners cards nor any wallets. On contrary, accepts Diners Club Cards easily. I find the acceptability really high these days. But as always you SHOULD have a backup VISA or MasterCard Card. My two cents..

        1. Sumit Begwani

          i am being offered regalia /diners premium ? which one should i opt ?
          i have read that only 12/ year lounge access is permited in pririty pass thats regalia and for diners unlimited in domestic. so whic i s better ? and can any one accompany me to a lounge free of cost if yes on which card?

          1. Siddharth Post author

            It depends on where you sue your card.
            Check out my recent posts on
            “Visa vs MasterCard vs American Express and Diners Club Credit Cards” &
            “Ultimate Guide to Priority Pass Airport Lounges in India”
            You’ll get more info there.

  9. HD

    Hi Siddharth,

    I have an HDFC Superia card. So far, accumulated around 21K reward points. Now, they have given me the option of upgrading my card to either Regalia or Jetprivilege HDFC world international card.

    1. What do you suggest which card should I go for? By the way, I am not a frequent flyer.
    2. Should I exhaust my reward points and then upgrade? And what would be the best way to redeem the points so as to get the maximum value?
    3. Regalia is a Visa card whereas Jetprivilege one is a Mastercard. Should this impact my decision?

    What’s your take on this? Thanks in advance, man.


    1. Siddharth Post author

      1. I would suggest Regalia (i also use it)
      2. Check where you get max point value and do it accordingly. Upgrading to regalia wont make much difference, however you might loose some % of points during upgrade.
      This is because point value on superia is lesser than regalia.
      3. Go for Visa, it has some movie offers as its a “Visa Signature” card.

      Hope it helps πŸ™‚

  10. HD

    Hi Siddharth

    1. I have upgraded to Regalia.
    2. They cut around 12600 points. I complained about it and I got all 21K points back. πŸ™‚

    Thanks for the help!

    1. Siddharth Post author

      Lol, deduction is very normal while upgrading. You’ve won a jackpot with HDFC πŸ˜‰
      Use it wisely πŸ™‚

    2. VIKRAM

      Hi HD,

      can you guide me as how can i get my cut reward points from hdfc bank.

      Have complained to their customer care but not sure they will credit back to my account .

  11. Kumar

    I currently hold an All Miles card which gives 4 free priority pass lounge access free per year and this card is lifetime free for me. Which other card after upgrading will give more priority pass lounge access and (optionally) can be lifetime free?

    1. Siddharth Post author

      You can also use your Allmiles Card for additional lounge access (2/quarter) apart from Priority pass card. You need to swipe your card directly. This comes under Visa Signature program benefits πŸ™‚

      1. Abhishek Roy

        VISA Signature Cards come no where close to the lounge offerings from Mastercard. As of now Mastercard has the biggest partnerships with most of the lounges in India. Visa’s current lounge tie up is not good. With Mastercard, you’re covered up even in tier 2 cities like Pune, Ahmedabad, Vadodara, Cochin, Goa etc. So if you want a credit card with lounge benefits as a priority, close your eyes and go for the MasterCard variant.

        1. Siddharth Post author

          Very True. MasterCard’s USP is lounge access. Having 2 MasterCard credit/debit cards is more than enough to get domestic lounge access for a seasonal traveler.

  12. Parth

    HDFC executive contacted me saying that I am eligible for Regalia Card and thus i made an application. Now after 15 days i received two card : regalia and times platinum card. I dont understand why two cards. Then i received PIN for regalia card. So i tried a transaction to check it out. Transaction was successful, but later when i logged into my netbanking account, it says in my credit card section i own times platinum card and the transaction i did it from regalia, it shows me in times card. How? I dont understand this. Can you guide me?

    1. Siddharth Post author

      Sometimes HDFC gives 2 cards and credit limit will be shared across them. I’m unsure how it happened without you requesting it. Just call up customer care and ask for the info.
      Once you have any update on it, do share πŸ™‚

    2. Snehashish

      I also had the same case.
      I applied for Regalia and HDFC sent me 2 cards. Regalia and Diners premium with a shared credit limit.

      After adding both the cards in CC account, I can see transactions of both the cards.

      P.S. I do not have a HDFC savings bank account.

      1. MANU KUMAR

        Had you asked for it. Coz in this case you are getting the best of both worlds.

        I would rally be happy if I am given this choice..

        BTW you are a retail customer or a corporate

  13. Rajiv

    Hi Siddharth,

    I guess someone mentioned it previously but it was not clear, do points on the Regalia expire within a year?

    1. Siddharth Post author

      Rajiv, Regalia reward points expires in 2 years.

      1. Abhishek Roy

        I guess this is true for almost all their cards except Diners Black (3years). About Infinia I don’t know though.

  14. Nitesh

    I have regalia world masters card along with priority pass card (physical card which i got in welcome kit) since few months now. I have collected like 9k reward points in this card as i see in statement.

    I have some free airport lounge acces provided which i never used fearing they may charge in some or the other manner as i have least trust on hdfc bank. I want to ask you few questions :

    1. What are the benefits we are offered with the complimentary lounge access apart from having a quite environment stay there. Do they offer free food or drinks with this? Do they offer free wifi? Do they offer any other services?

    2. What is the duration of lounge stay? Is there any time limit? Like if my flight is delayed or cancelled and i book ticket for next day or such, can i stay at lounge?

    You ever got charged while redeeming your regalia reward points?

    1. Siddharth Post author

      1. No, they don’t charge until you got free visits
      2. You get complimentary wifi,food, juices, etc. it varies from lounge to lounge
      3. Most lounges has 2-3 hrs time limit. Some hotel type lounges allow 24 hrs too.
      4. Redemption fee is waived for preferred customers i believe, so i wasn’t charged a dime so far.
      Hope the info helps πŸ™‚

      1. Abhishek Roy

        What do you mean by Preferred customers? Are you trying to say people who hold “Preffered/Inperia” Savings Accounts? Thank You in advance.

          1. Abhishek Roy

            Is it written somewhere that Preferred customers don’t have to pay the redemption charges on the credit cards including Regalia? The Terms and Conditions Copy that I got in print with the credit card a few days back says that Regalia/Business Regalia is exempted from the redemption charges of Rs 75, but the terms and condition document on the website says that Rs 75 is applicable for all the cards. That means have they started charging Rs 75 for the Regalia customers too? Please highlight. Besides, I also wanted to know that have they charged you the portfolio management fee of Rs 100/quarter for preferred banking? Please tell.

      2. Arthur

        If i have a regalia card with free lounge access and i am traveling with a colleague\dependent then do we both get the same complimentary privileges ?

        Are there seperate charges for these dependents traveling along ?
        Some other site i read its 27$, what is it for domestic travel ?

  15. Arpit Gupta

    Hii sidharth
    I have platinum plus card expiring in may 2016
    I have requested them for up gradation to regalia for free
    Is it possible they accept it?
    And do we get taj gold tier membership with this card?

    1. Siddharth Post author

      It depends on the eligibility. Also, you get Silver Level status of the Taj InnerCircle.

  16. Shain

    Hi I am using HDFC Money Back card and recently I got regalia free lifetime card upgrade invitation. Now I can redeem RP *40 paisa. I won’t access any airport lounge or dinner from Taj and Marriott
    So let me know any good reason to opt HDFC Regalia card.
    Thank You

    1. Siddharth Post author

      Regalia is a higher end card, gives you 2% savings as RP on all transactions while Moneyback card only gives back 1.5%

  17. MANU

    Hi Siddhart

    I am a new customer and have applied for Regelia card.
    1. Tell me which one is better regelia or Infinai?
    2. I usually pay my local travel agent through cheque when i travel abroad.Is it possible to pay my agent through my regelia card so that i can drive the reward points.


    1. Siddharth Post author

      Infinia is better, but tough to get. Yes, you can pay via credit card if your local travel agent accepts card payment.

      1. Sumit

        i want to purchase gold and i want to swipe my regalia card i want to know i get points on purchasing of gold or not?

  18. Bernard Subhana

    I am presently having a Platinum Card for which I have paid an annual fee of rs 750/ I would now like to opt for a Regalia Card Do I hAve to pay an annual fee nd how much is it ? THANKS

    1. Siddharth Post author

      Kindly ask HDFC Customer care, as each card/profile varies from person to person.

      1. manoj gupta

        Dear sir , I have regalia card, but when I redeemed my RP for booking flight tickets only Rs2000 voucher is given to me against my 8000 RP. It is a cheating.

    2. lisa paul

      Hi , my brother is a regalia card holder. ( recently he started using it) . I am confused with the redeem points and policy. How to redeem? How can I redeem my reward points while booking flight tickits, I mean the procedure, kindly help.

      1. Siddharth Post author

        You have to convert the points to Regalia voucher first and then use it in Regalia Website to book flights,movies etc.

  19. Indrajit

    I have been offered an upgrade from All Miles. Not sure whether it was a good decision or bad. Do you have any offers on movie tickets?

    1. Siddharth Post author

      Yes, Bookmyshow offer is there with Visa Signature variant.

  20. Sunny


    I am planning to upgrade to Regalia card, have following doubts:

    1) They have mentioned 12 priority pass free visits per year on bank site, but only 5 is mentioned on the third party site through which i applied for the card. Did HDFC recently increase this from 5 to 12?

    2) For other cards, they have mentioned Priority pass and Domestic lounge access (via Visa/Mastercard) separately. But for Regalia, on HDFC site, there is no mention of the Domestic lounge program.

    So, if i visit a lounge in Delhi/Mumbai, will they reduce it from my free Priority pass visits? In that case, it would be of no use.

    3) When was the Club Vistara Silver membership tieup done by HDFC? Since this is also not mentioned in the card offer on the third party website.

    1. Siddharth Post author

      Seems they actually reduced the free visits from 12 to 5 on priority pass recently. Also, you can get Mastercard Lounge access @ 2 visits/quarter which they don’t mention.
      So use Priority pass Card for International lounge access, and Mastercard for domestic. No idea about when the partnership for vistara came in. Should be in recent times as Vistara itself is pretty new.

  21. Rajat

    Hi Siddharth,
    I have HDFC Regalia as well as AMEX Gold Charge Card. AMEX provides alot more reward points than Regalia. But as you have mentioned Regalia is also a very good card. I wanted to understand which one I should use more often OR do I need to use specific card for specific transaction.

    I want to maximize the rewards by using these two cards but not able to understand the best way to use them. Any suggestion would be helpful.


    1. Siddharth Post author

      Amex Gold card is good to use upto certain limit (I have mentioned in detail in separate review). While regalia stands good for unlimited usage.

  22. saurabh bafna

    HDFC Regalia Credit Card Conceirge services is one of the worst in the industry. They are actually cheating customers. I recently booked a flight ticket using regalia website 6 month in advance. Money was debited and E-ticket sent to me.
    Just 1 day before travelling, while doing web-check in, I came to know my surprise that ticket is cancelled. No communication sent to me by HDFC regalia customer care or the Air line. On asking why it cancelled, HDFC is making all sort of excuses,such as flight cancelled, flight route changed and finally , Air Lines informed me.

    My advise, do go by lure of such credit card. Go for any other card, but not HDFC

  23. Ameet G Desshpande

    HDFC website says, on ALL MILES card we get Complimentary Priority Pass Membership and VISA/MasterCard Lounge program.

    Are these two different ? Do we get both or One of these. ?
    What is MasterCard Lounge program ?

    1. Siddharth Post author

      Both are different and you can avail both of these. Almost all Mastercard debit/credit cards issued in India gives you 2 complimentary access/quarter which will be applicable for you if you have MC variant. Similar with Visa too. But Visa domestic lounge network is very small.

  24. prakhar

    arent you getting rewards rate wrong.
    4 points per 150 Rs.
    But 2380 RP for 1000 Rs voucher.
    so for every 100 rs spent -> Points per 100 spent * value in INR of 1 reward point
    (100*4/150) * (1000/2380) = 2.66 * 0.42 = 1.12

    This is only slightly more than a debit card. money back still wins.
    Infinia’s rewards rate is 1.76. So much better than regalia.

    1. Siddharth Post author

      Which voucher are you talking about? Yes, it gives less reward rate on catalog redemption.
      1RP on Regalia = Rs.0.75
      1RP on Infinia = Rs.1
      This is for redeeming on site for recharge, etc.

  25. Pradip Roy

    Recently I got one upgraded Regalia Card.
    I want to know, booking an international Flight ticket thru regalia site – who is issuing the ticket ?
    Airlines or regalia site? And in case of customer support who is responsible ?
    In other words where should I seek clarification / support / flight info / refund etc ?

    1. Siddharth Post author

      Most Online Travel agency, including regalia books tickets with respective airlines by passing your info to them.
      as soon as you book tickets, you’ll get email not only from regalia, but also from airlines.
      So check with Regalia team first for cancellations, etc. They should guide you.
      Or, if its reg. Airline info, u should support respective airline.

  26. Neeloy

    Hello Siddhartha,

    Hope you are well. Do you advise upgrading from Regalia to Infinia Card ? If yes, do I need to apply for it or it happens automatically ? Will my reward points on Regalia get transferred as-is to Infinia or would there be some reduction? Please let me know.

    Many thanks


    1. Siddharth Post author

      Ask your RM about the eligibility. Its bit tough to get Infinia generally. There should be 25% devalue of points likely.

  27. Shri Mohan Verma

    Hi Siddharth. I am frequent traveller by Indigo Airline. Can u tell me how to redeem RP of Rigallia card to get Indigo Voucher and how to redeem the latter for discount in Air ticket for Indigo Airline.

    1. Siddharth Post author

      Hey Mohan,
      For Indigo, redeeming voucher doesn’t make much sense as you’ll be limited to voucher terms & conditions. You can still do by sending the redemption form via courier. Yes, painful process. But Just go ahead and book your Indigo ticket on Regalia Website itself using points. Simple and easy.

  28. Gagan

    Hi Siddharth,

    Thanks for the review here and the good website.

    Recently I applied for HDFC Regalia, was offered as life time free card and along with that also received Diner Club Premium Card. At same time also got ICICI Jet Airways Sapphiro Card during same time.

    Regalia points system are 4 points / Rs 150 but issue is that their promised valuation (of 1 point = Re 0.75) is only on Regalia website. If you go to rewards redemption the value is quite low. If I compare with regards to JP Miles, for Regalia one gets 205 JP Miles for every Rs 10000 spends. Regalia has one clear benefit.. the only Card which offers Priority Pass with 12 complimentary lounge access / year. $27 * 12 (~ Rs 19500) benefit compared to any other card.

    ICICI Jet Sapphiro Credit points are 5 JP Miles per Rs 100 which translates to 500 JPMiles for every Rs 10000 spends. And so in that sense comes better than Regalia – this should be obvious as it’s Jet co-branded card. But this card doesn’t offer any (not even single lounge access complimentary through Priority Pass). And not to ignore this is a chargeable card.

    So now confused which card should I use for spends? Any tips, points.

    So it is bit confusing which one to use for spends.

    1. Siddharth Post author

      It depends on how good you’re in using the miles.
      1. If you can find ways to use your JP miles for Award tickets with value 1 JP mile > Rs.1 (probably a first class ticket to somewhere out of India)
      then using ICICI Jet Sapphiro Credit card as this gives you >5% in monetary value.
      2. Use regalia site and get the Revenue ticket for shorter flights using points.

  29. ketan

    hii Siddharth

    Nice review for cc…keep it up…

    I have hfdc all miles visa card with 37000 reward point…
    now hdfc is giving me regalia card for free is it worth??
    and what about points will it remains as it is or it will be cut from 37k??


    1. Siddharth Post author

      Pls check with customer care. Both point value is same, so technically should remain same.

  30. Prashant sharma

    Hi Siddharth,

    Regalia offers 4x rewards points only when you shop from regalia website, dinning on selected restaurants (very less in the list, mostly 5 starts), booking from air They are not giving 4x rewards points for normal shopping, departmental store shopping, utility bills, online shopping, grocery, and other payments. Most of the time you end spending the major chunk of your money for these purposes. So I see it is quite difficult to reach upto a level of expenditure from Regalia access points, so that one can really enjoy the 4x reward scheme.

    On the contrary the cards like RBL platinum maxima and SBI signature are indeed providing 5x i.e. 10 rewards points on grocery, departmental purchases, online shopping, dinning, and even for utility bills. These cards also offer 10000 and more bonus RPs on crossing 2 lacs expenditure. Additionally, they provide worth 500 Rs per month movie ticket free which is a great payback value for the CC holder. I hold all these three cards and no doubt Regalia may be a status symbol, but one needs to have really lavish lifestyle to actually redeem the benefits of this card. In my honest opinion, SBI signature, RBL platinum maxima, or Amex cards ( which has 30% flat discount on popular dining restaurants /clubs/bars) are more lucrative than Regalia.

    Please share your thoughts.


    1. Siddharth Post author


      There is something called “point value”.
      RBL Maxima card can give you 10 Points, which is only 2% value (10*.20ps/point)

      There maybe also cards which can give you more value for Dep. store, etc. (with certain cap like SC cards)
      How i see is, you can’t save a lot doing these.

      As i spend a lot on business txn, i can easily get 2% value back on virtually everything with no upper cap.
      Anywhere dining/airvistara gives you 4% back and its rare to find such card!

      I’m not in metros, so restaurant offer is not something i’m concerned about whereas you can choose card accordingly.

      Whatsoever, don’t just look at points, look at point value as well πŸ™‚

  31. Pramod

    HDFC has just recently withdrawn the lounge visit facity for all miles mastercard holder from 1st may onwards.
    This was confirmed by the customer care.
    Any additional news? How do I convert to a VISA variant?

    1. Siddharth Post author

      Just call them to convert the card to Visa variant in that case.

  32. K.Natarajan

    I got regalia recently. I also got add on regalia card for my spouse. Pl clarify me whether add on card holder is also entitled for international lounge visits as complimentary? The brocure says NO. But the relationship manager says Yes.

    1. Siddharth Post author

      NO, only on primary card Via Priority pass.

      1. Himanshu Gupta

        Nope, even the wife (add on card) gets 12 visits free per year (checked with customer care by calling twice). Also, since the priority pass works as 1+1 (one accompanying guest is allowed free) – it works to total of 48 maximum free entries in a year (12 for primary holder priority pass, 12 for add on priority pass, multiply each by 2 for accompanying guest).

        1. Siddharth Post author

          May i know which lounge allowed 1+1 adults? I never had any luck in about 10 lounges in India (Domestic)

    2. Freddy

      If yr wife has a good income, make her apply for an independent Regalia.

  33. Freddy

    Siddhu, you missed one of the best benefits:

    you get free membership to the Taj epicure Plus plan which is worth 12500 rupees with 25% discount on dining, plus two buffet vouchers with 50% off and two 50% vouchers on alcoholic beverages.

  34. kamaljeet

    Hi, i am going abroad to work. I want to carry a credit card with me so that i can use it there for shopping purpose.which card is the best u suggest.

    1. Siddharth Post author

      Regalia/Infinia is good to go as it has less forex markup fees.

  35. Muthu

    Hi, Recently i got offer from hdfc to upgrade my moneyback credit card to regalia credit card. now my query is same like citibank credit card any retail purchases on any pos bank machine above 2500rs can i convert in to flexible emi. citibank is offering this facility. does the regalia card have same features. And also another query is is it possible to take instant jumbo loan from credit card and repay by emi. Please clarify me query.


    1. Siddharth Post author

      EMI/Loan offers on HDFC keeps changing every month on every card. so its not a standard offer unlike other bank cards. However, HDFC has the lowest interest rates at times.

  36. KB

    Can someone explain what the Taj memberships are like? I read somewhere that it allows you 50% discount when dining.

    I also got a call offering a free lifetime card if I signed up for their smart pay – pay Airtel bill through them and get 5% cash .back. Seemed like a sweet deal as no wallets give cash backs on Airtel post paid.

  37. Rajesh

    Hi, based on your reviews, I’m planning to upgrade to SBI signature card. However I have another Icici coral jet airways card ..been using for long and planning to upgrade it as well. I earned 30k jp miles on this.. can you suggest me which card would be better option to earn better JP miles and lounge access and am I gonna lose any RP for this upgrade ?

  38. Arjun Jayasimha

    I have a HDFC Regalia Visa Signature credit card. If I get an add-on card for my wife, can she get lounge access with it?
    Case 1: My wife and I travel together and we try to enter the same lounge together – me with primary and she with add-on card
    Case 2: My wife travels by herself and uses her add-on card to access a lounge

    1. Siddharth Post author

      All lounge access are for primary card only. Except infinia/Diners black in HDFC. With regalia there is no lounge benefit on add-on cards.

      1. Biju

        Dear Sir..I called HDFC call center.. they confirmed that if you apply for Add On card and as well apply for Priority Pass – which is free.. you can access lounge.. they asked me to download the forms and mail to Chennai Office..

      2. MOnis

        Hi Siddharth,
        For Add on cards, not even one can avail lounge using Visa Signature complimentary lounge access offer?

        1. Siddharth Post author

          Nope. Its all avail only for Primary member.

      3. Rachit

        Hi Siddharth,

        Its confirmed that the add-on card member can have access to Priority pass lounges if they have requested a separate priority pass card through HDFC. Also, this is only applicable to Infinia/Regalia cards and not for Diners Black/Premium.

  39. sammy

    Hi siddharth…i have query…hdfc is offering me credit card these days…i do normally neteller i earn points if i use hdfc credit card for neteller transaction?

  40. Venkat

    Hi Siddharth,
    What is the difference between Regalia Visa Signature Credit card Vs Regalia Mastercard World Credit Card apart from the wide network of master card’s lounge access.


    1. Siddharth Post author

      Venkat, Visa Signature may have some weekend buy1get1 offers. But there is nothing much remarkable.

      1. Venkat

        Thanks for answering the questions on time…

  41. prem


    i received a call today saying they are upgrading my all miles card to regalia with lifetime free . When i checked online the hdfc website shows 2500 annual fee . When i contacted the customer care hdfc they said there is no auto up gradation on my all miles card listed , however my branch can offer it sometimes according to my usage . Can i go for it . I didnt clarify to them about the rewards points .

    also wanted to know does the call for such offers comes from the main HDFC phone number alone or someother third party ?

    1. Siddharth Post author

      Drop them an email or contact your RM and get things cleared, never rely on HDFC phone support.

      1. premlatha

        Today i received my new regalia card . I mailed hdfc to have a proof that it is a free card . i got the below reply .

        Thank you for writing to us.

        This is with reference to your e-mail towards your HDFC Bank credit card account.

        We wish to confirm that your existing ” VISA SIGN REGALIA INTL “credit card is aLife Time Free credit card. Hence membership fee is not applicable for the same. Further we confirm that Old reward points 9573 transferred from previous card # ****xxxxxxxx to new card# xxxxxxxx**** with 9573 reward points.

        So , i havent used my new card yet thinking i would redeem my reward points and then use the new regalia card . . Now according to the mail , They have not deducted any reward points for upgrading to regalia . Can i go ahead and start using my new card . i can see the reward points in my netbanking only once i start using this new card .


        1. Siddharth Post author

          Yes, you can start using the card. Everything appears to be fine!

  42. Vishal


    Where can I check how many reward points are due to expire on HDFC Regalia card? Also, would you suggest to use Regalia or Amex Gold on international spend?


  43. Shashank B

    Hi, I have just applied for a jet privilege titanium card online with a purpose to accumulate JP miles, the rep when visited had offered me a LTF regalia card wherein he said that I can convert the reward points to JP miles in future so I should apply for a regalia card, skeptically I applied for the titanium card as regalia is not mentioned on the jet airways site, pls advice should I go ahead with the titanium card which has a annual fee of 500 or ask for an upgrade of regalia card instead which LTF

    1. Siddharth Post author

      Regalia is premium card and it has lots of benefits. Yes, go for it. Only Jet World card is a good one.

  44. Gill

    Hi Sidharth,
    I have Regalia Visa and wife has Regalia master. Have 2 more Regalias world and visa with my Dad.
    Q1. Me n wife used our points to generate vouchers for international flt to europe. – Pretty handy. My dad does not uses points. Can we use his points to book hotels in Europe?
    Q2. I had travelled overseas in Dec. 2015 and also had to use PPASS at mumbai airport domestic lounge at indigo terminal. Master Card is not acceptable thr. I want to know. How does the year is calculated for using Priority Pass.
    Q3. My card usage for business purpose is about 3 to 4 lacs / month online for payment of services.. not for buying products etc. I use CC for visa application fees etc Do we get any ppints for that.

    Thanks for ur updates and ur knowledge CC is very handy.


    1. Siddharth Post author

      1. I’m unsure if regalia site has hotels from europe. Simply search it. If avail, you can book.
      2. Not sure, from the date of issue i guess. Simply drop email to HDFC to know your remaining PP visits. They’ll reply in a week with counts.
      3. Yes, you get points for everything you spend.

  45. Abhishek

    Hey Sid,
    Thanks for writing this column.
    Wanted your advice on which credit card should I prefer since i am having lot of dining spends and other groceries / online purchases. I have AMEX Green Corporare Card and ICICI Coral, and wanted to explore the best card with benefits say between SBI, HDFC, CITI and existing cards on hand.
    Will appreciate if you can share your thoughts. Thanks

    1. Siddharth Post author

      Try HDFC Diners, gives 10x rewards with some partners, 2x rewards for dining. SBi Signature is good for 5L spend.
      There are lots of cards, you simply need to choose which card to spend where πŸ™‚

  46. SG

    Taj Epicure membership also comes with this HDFC Regalia card.

    Any word on what all it covers? What are the benefits of the Taj Epicure membership which you get with this HDFC Regalia credit card???

    1. Siddharth Post author

      You get Gold Epicure Plus status. You earn some better rewards on all spends. Notable thing is, you can get early check-in (2 hrs) & late check-out (4 hrs).

  47. Alok Misra

    Dear Sir,
    You are doing a wonderful help for all of us.
    Would be grateful for following advise for Regallia –
    (a) the lounge visits are counted for a full calendar year , or one year from date of issue?
    (b) For expanses not made on Regalia website, will there be any reward points?
    (c) Will there be points for expenditure made using the card on Petrol?


    1. Siddharth Post author

      a. From date of issue (i guess)
      b. Yes
      c. No, recently revoked.

  48. Sameer

    Hi Siddharth,

    Very informative website. However, I am still confused on which Credit card to take. I have offer of HDFC Regalia but I do not travel that often (2-3 times a year). My basic need is a card which gives me points/cashback on spend on dining (I don’t dine at 5 stars), movies (BMS), shopping online and offline, payment of Utility bills etc., I only have Stan C Innercircle platinum card with negligible limit and use. I want a proper credit card with benifits.

    Limitation of use of reward points on Regalia website only is unattractive. Which card/cards would you suggest? I am somehow inclined towards a card from Citi. Please advise.

    Thanking you in advance

    1. Siddharth Post author

      All spends on Regalia gives you 2% value back in points. Its a premium card and i would suggest you to go for it.

  49. ramanareddy

    hi earlier i was using the platinum edge hdfc credit card and i got call from hdfc back to upgrade to new credit card regalia with free of cost .
    they told that as a existing hdfc credit card customer you will get the regalia hdfc credit card with annual fees zero .and also no other changer applicable for me they told me like that.
    please reply for my query.
    is it correct or not?

    1. Siddharth Post author

      Yes, it should be correct. HDFC giving such offers to many these days.

  50. Anas Azeem

    Hi Siddarth, Great Article.

    HDFC yesterday sent me the Regalia and PP Cards. You mentioned in the post that “fee gets waived off on spend basis”. Can you please elaborate that how should and how much I will have to spent on order for the fee to be waived off?

    1. Siddharth Post author

      I guess most cards issued by HDFC these days are Lifetime free, so you don’t need to worry about it. Just confirm with customer care.

  51. Ajay

    Hi Sid/Fellow Card users,

    HDFC called me and told that Regalia has Globally max 12 complimentary accesses on International Airports and in India its Unlimited lounge access. So I called the dedicated HDFC Regalia customer care. They told as per their info its 12 yearly for both local/global lounges, but mentioned that it might be possible that customized offer is being provided to me. Meaning 12 globally & Unlimited in India is possible, as told by Regalia CC.

    I do not believe in verbal promises. Have asked HDFC to send me email confirming the lounge access info clearly.

    Can anyone here clarify on this part, if anyone got Unlimited lounge access in India ?

    1. Siddharth Post author

      Regalia comes with Priority pass card that gives you 12 Free access. This includes both domestic+international.

  52. Manu kumar

    I have a MoneyBack card.. Would it be beneficial to convert to Regalia or some other card.

    I have hdfc card for 5+ years so i do not wish to simply close HDFC cards..

    Pls advice..

    1. Siddharth Post author

      Sure, upgrade to Regalia without any second thought.

  53. Aditya

    Hi Siddharth,

    I am planning to take a credit card for the first time. My criteria of using the same will be access to lounges as I am on travel mostly & also in emergency its always good when you are out of cash. Though I shall not be using the CC very frequently in my daily transactions.
    I am eligible for regalia card (no annual & renewal fees and lifetime free) as I have quite an old account with HDFC and they have suggested for this but after reading all these posts, I thought of having a second advice from experts ?.
    Also if I go to some lounge with some of my colleagues; whether they can come with me or that’ll charged extra?

    Can you please suggest that which card I should go with?

    1. Siddharth Post author

      Regalia is good for everything including lounge access. But only you can access the lounge.
      They need to have their own cards. Usually i make my friends to signup for some Mastercard credit/debit cards when i travel with my friends πŸ˜€

      1. Aditya

        Thanks for the feedback. Much Appreciated. ?

        So you suggest Regalia over Amex and HDFC Diner cards!
        Also what are the charges for lounge access for person accompanying me or it varies from lounge to lounge!

        1. Siddharth Post author

          Nooo, Diners has 10X rewards and it has no match with any card for that reason.
          Well, you actually need multiple cards to serve all the purpose πŸ™‚
          One for shopping, other for lounge, other for airmiles, etc. and sometimes one for status symbol (Amex) πŸ˜‰

          1. Siddharth Post author

            Well, it highly depends on what you’re looking for in the card.
            If lounge access is your only reason, go with any diners card. It gives unlimited domestic lounge access.

  54. Krishna R M

    Can I get both Diners Card and Regalia Card from HDFC? (I have heard/read that HDFC usually gives one card per person).

    1. Siddharth Post author

      That’s tough, though they can issue to HNI customers. Give a try.

  55. Swapnil

    Hi Siddharth,

    Really appropriate your efforts for proving detailed answers to all the queries raised. You are the KnowledgeBank of CredCard. πŸ™‚

    I have small question.
    Can we clear the outstanding bill amount from Reward points for Regalia Credit Card?

    I am having Regalia Credit Card & let’s say I hod 1000 Reward points. So the value in Rs is 1000 x 0.75 = 750 Rs. So can I pay my outstanding bill amount of same credit card.

    I got the answer from Customer Care that is not possible. Only I can get gift vouchers. But when I got call for this Regalia Credit Card they said that you can clear the outstanding bill amount from accumulated Reward point. I am bit confused.

    Please let me know can we clear/pay the outstanding amount by Reward points?


    1. Siddharth Post author

      Its not possible with Regalia.
      This option is available only with HDFC Moneyback card.

      1. Swapnil

        Hi Siddharth,

        Could you please suggest the best Money back credit card (any bank)?
        Thanks for your time.


  56. Veena


    Am using all miles card now. Bank has offered to regalia card. I have something to get what’s the difference between having visa and MasterCard. When I asked the same question to the bank they asked me which one I want in regalia . That means , they are ready to give either regalia visa or regalia master card. Am confused and please help to choose the right one. Expecting reply

    1. Siddharth Post author

      Check my other article that compares visa/MC/diners etc

  57. Kaushik

    Hi Siddharth ,
    If you had ano option between regalia and infinia which one should you choose ?

  58. Sathish

    Hi Siddharth,

    I want to know that best top premium credit card for NRI. My requirement is mainly for International Airport Lounge Access. Please note that my NRI account is with other bank. But I have HDFC platinum credit card.

    Kindly suggest me so that I can upgrade it.

    Thank you.

    1. Siddharth Post author

      No idea about NRI. Though, try for Regalia/infinia. Its always best for lounge access.

  59. Shailesh

    Hi Siddharth,

    I have a few questions on Regalia.
    1. Is there a way, while applying for a CC, we can opt of either of Visa or MasterCard? If given an option, which one is better generally?
    2. Can my son (6 yrs) accompany me free into the lounge if I hold a regalia? If not, what are the options (except paying $27) as he, obviously, won’t be issued a credit card.
    3. Is it possible for upgrade from Regalia to Infinia (life time free)? I hold a regalia already.
    4. In simple terms, what are the benefits of having a Taj Epicure membership?
    5. One of the financial benefits this card lists ” Enjoy 0% surcharge on all your fuel purchases (Minimum transaction of INR 400. Maximum cash back of INR 500 per statement cycle)”. Could you clarify what’s this cashback of INR500 it talks about? Is it just the surcharge waiver limited to INR500 or an additional cashback over and above 0% surcharge

    1. Siddharth Post author

      1. Yes, MC is better, mainly for its bigger lounge network.
      2. No, try to have some other card with lounge access. Some lounges allow kids though.
      3. Pl contact RM. Lots factors included.
      4. Early/late check-in/check-out is something worth enjoying.
      5. its just 0% surcharge. no additional Cashback.

  60. Kush

    Hello siddharth,

    I really appreciate your detailed revied which no other websites offer. In fact other websites are clueless about these benifits.

    I would like to know what it the min eligibility for a Regalia and Diners black.
    I have heard for a Black u need to have 25 lacs and above ITR.

    I have also heard that card can be upgraded by showing high credit limit on other bank card that one holds.

    Kindly clarify on above.

    1. Siddharth Post author

      Eligibility differs from person to person.
      More relationship value with bank is easiest way to get one.

  61. Prashant

    Hi Siddharth,
    I have moneyback card as of now. I redeemed all the points last week around 16K points. I got cashback on my card outstanding balance. I have been offered free upgrade to Regalia via my relationship manager. She confirmed that no charges would be leived on that card. Should i upgrade ?
    On which parameters regalia is better ?
    I pay mostly thru CC, including online and offline payments
    on an average 25-35K every month

    P.S. I really like the moneyback cashback in my current card

    1. Siddharth Post author

      Moneyback card gives 0.8% value back(as cashback) while Regalia gives 2% (as points)

  62. Sreejith

    Hi which one to choose. ? Regalia VISA or MASTERCARD

  63. Rizwan

    My father is having HDFC Regalia credit card. I have few a doubts hope you will clear. He has around 50000 points in his card. Can i book hotel room for me, I mean for a journey where my father is not accompanying me using his points.

    1. Siddharth Post author

      I haven’t tried it, but technically, yes, you can.

  64. Akhil Varma

    So there is this new SBI Elite card. Im confused between HDFC Regalia and the Elite card.

    Which one do you suggest I take? I shop online. Fly out of India once a year and within india probably 5 times a year. i eat outside regularly. Thats my only major expenses.

    1. Siddharth Post author

      If you can spend above 5L and above, a yr, take both.

  65. Pradip Sarkar

    HDFC bank request for Regalia Card (Life Time Free) . What is Life Time Free means? Is there no charge while renewal or application for credit card? Honestly speaking that i am not ready to pay any charge to hold credit card.

  66. Sebastian

    Hey i have a Regalia CC but i have not yet received below benefits
    β€’ 1 – A certificate for 50% off on buffet lunch at Taj Coffee Shop between Monday and Saturday
    β€’ 2 – Two certificates for 20% off on your bills when you next celebrate a special occasion at Taj
    β€’ 3 – A voucher for a complimentary round of drinks at participating bars and restaurants on any evening of the week

    Whats the process to avail these ?

  67. Aalok Khurana

    Hi Siddharth,
    that was a good exhaustive review. I am struggling with a peculiar problem and I guess you are the right person to address it.
    I have HDFC Diners card as well as HDFC Regalia. Both offer pretty similar benefits. My main purpose is to accumulate points to eventually buy flight tickets or upgrade to Business class. Also free lounge access.
    Can you figure out which card of the two is better in that purpose or a mix of two?

    Thanks and Cheers

    1. Siddharth Post author

      With Diners, enjoy the 10x rewards with partner brands. For everything else you can use regalia.
      That’s how i use πŸ™‚

  68. Vandhan

    Hi SId,
    I have applied for Regalia Card.
    Movie tickets offer is available with this card (BMS or PVR) Buy 1 and get 1 free.
    Is that true?

    1. Siddharth Post author

      Some movie offers maybe available with Visa Signature variants.

  69. Shreyans

    Regalia card is also devalued. One RP will be equal to 60p only from 1Nov

    1. Siddharth Post author

      Yes, sad news for me who’s having 1000’s of points accumulated there. Time to redeem.

  70. Shreyans

    I think HDFC might be launching a new product as Regalia was launched 3-4 years back.

    @ Siddharth even i have many points, pls suggest where to redeem so many points in such short duration.

    1. Siddharth Post author

      I’ve redeemed some for recharge and rest i’m planning to use for Flight bookings. There is a possibility for new card to be launched. Lets see.

  71. Mallik

    A positive change to Regalia features / benefits : Now HDFC is issuing Priority pass for add-on card holders also.
    The add on card member is also eligible for a Priority Pass membership. The Primary card holder and the add on member can jointly have 12 free access to the Priority Pass lounges every year.

    1. Siddharth Post author

      Yes, heard about this change. Will be updating it shortly.

  72. amit

    how to get upgrade to diners black from regalia with 3l limit and classic status

  73. Vishal

    Hi Siddharth,

    I find the Regalia redemption process quite confusing. So far I was redeeming points earned on my Regalia card only through the Catalogue. After reading information shared by you, I tried to explore redemption through the Regalia website. I have the following queries:
    1. I generated a voucher code for my leftover points (I didnt have many because I used most of my points for Nike vouchers off the catalogue before discovering this website). Got a voucher code of Rs. 865 in exchange of 1135 points. But I’m not sure how to use this Voucher code which is a 11-digit number. The various options on the Regalia website (flights/movies/recharge) do not provide any space to punch in this code. Instead they ask for the card type.
    2. Apparently mobile recharges are only applicable for pre-paid numbers. Am very sure most people using a Regalia card would be using a post-paid connection! Is there any way of using my voucher code of Rs. 865 for recharging for a post paid connection?

    Thanks in advance,

    1. Siddharth Post author

      Voucher has to be applied only on last step. Sadly, they’re yet to add Postpaid support.
      You can also use it for flight/other bookings and pay the difference via card.

  74. ketan

    Special Features: PREMIUM Dining, Travel and Lifestyle Privileges wht does it mean

    1. Siddharth Post author

      You get 2X reward points on Dining and you get Taj/Vistara higher tier which they mean by Lifestyle privileges.

  75. Shreyans

    HDFC will be launching two new cards soon…. and for regalia they increased threshold salary to 120k from earlier 90k, deviation is also difficult.
    So all in all regalia should retain premium status.

  76. Vignesh

    Hi Siddharth
    I am gonna apply for my first credit card. I read about the whole story on how things workout. I found out that I am eligible for regalia. But read your post that it’s going to be devalued soon and probably a new card is expected.
    Most of my expenses will be shopping, fuel, movies, etc.
    What’s your say ?
    – Regalia suits me better ?
    – Or should I wait for the new card ? When is it expected ?
    – Or any other card from other bank will suit my expenses ?
    Thank you in advance

    1. Siddharth Post author

      First, it depends on your eligibility. Regalia is given on high IT papers generally.
      So you can always start with basic variants and then move to premium ones.

      1. Vignesh

        Thank You Sid.
        But any idea when the new card from HDFC will launch ?
        Or any other alternative for Regalia, considering the devaluation ?

        1. Siddharth Post author

          No rumors yet πŸ˜€
          You can consider Yes Bank Preferred Credit Card until then. It was recently reviewed, check out.

          1. ARNOLD

            Whose Reward Point conversion is better HDFC Regalia or Yes Bank Preferred?

  77. Niranjan

    Looks like they are undervaluing the reward points from 0.75 to 0.6 starting November. I am thinking of switching to Diners Premium (if they don’t give me black). I know I will loose out on few international lounge access, but considering the 10x and 0.75 value per point, its a better deal. Thoughts?

  78. Ganesh

    Hi Siddharth,
    First of all, thank you for sharing your experiences and insights.
    Recently, I have upgraded my card to Regalia from MoneyBack card. I have some points to get clarified:
    1) It’s a premature question for me to ask but is there a system to know how many Priority pass lounge accesses are remained on the card to be used? I tried to connect with customer care of both HDFC and PP but no luck.
    2) As of now, there are 5X reward points if the transactions are done through Payzapp. So, if the money is added to Payzapp wallet, then would that be considered as a transaction to gain 5X reward points?


    1. Siddharth Post author

      1. You have to ask HDFC via email. They took about 1 week to reply me on similar query.
      2. Possibly, but doesn’t matter much as there are limits.

    2. pankaj

      yes when you add money in payzapp they give 5* reward poin i do it every month and this is valid upto 30 0ct 17

      1. Ganesh

        Thanks Pankaj for input.

        As per HDFC website, the 5X reward though PayZapp is applicable until Sep-30-2016. Any source for validity until Oct-30-2017?

  79. Mohit Jindal

    Hi Buddy,

    Recently hdfc guy has asked me to upgrade my hdfc diners premium to hdfc regalia first.
    HDFC regalia first is a new card introduced.

    I am confused which one is better. Can you please suggest?

    1. Siddharth Post author

      Depends on your needs. Typically speaking, its not an “Upgrade” at all. Don’t go for it unless you really need it.

  80. ramu

    Dear Sidarth,
    I am frequent international travellor (almost 2 tripes) every month. Will regalia suit me?
    I am looking for a card which has 0 annual and renewal free, where my SB account is with citibank.

    From posts above i uderstand, the regalia wont be no more good. what is ur advice.

    1. Siddharth Post author

      Regalia is still good for lounge access, international lounge access in your case.

  81. Prashant Gupta

    I had applied for upgrade to Regalia from Allmiles card based on limit:Rs.4.50L. Got my card yesterday with 3 year priority pass card giving 12 yearly access. In terms of value i believe this card is the best in market. Priority pass, taj membership, Vistara Silver tier, insurance.

    1. pankaj

      hi prashant i want to know that how much time you are holding 4.5l limit on allmiles card and is your limit is increased after upgrading to regalia

      1. Prashant Gupta

        I have been using this card for last 4 years. Started with 2l limit. I think 4.9 limit has been there for last 1 year. Sryy the linit is 4.9 and not 4.5..

    2. Captain Bishuddha Bharatiya

      Mr. Prashant when you tried to upgrade to Regalia did they asked for your income documents also ?

      1. Prashant Gupta

        No it was based on my existing card as i had a limit of 4.9L and i applied for upgrade without limit enhancement.

  82. Shiv Mohan

    I have more than 16000 point on Regalia HDFC bank credit card. What is the best possible way to use reward points at Amazon or any other online shopping website. Or is there a way to get money back in order to redeem the reward points ?

  83. Harshad

    Hi I have platinum edge credit card with 14000+ reward points and HDFC guys have a tie up with my company to provide me regalia card… What would you suggest, should I redeem the points first and then convert or I should not convert at all or any other option that you can suggest

    1. Siddharth Post author

      There are multiple devaluations. You have to check how much is the point value on both now and after Nov 1st to decide on this.

  84. Sayantan


    I recently received a regalia credit card along with the priority pass card. Now that I want to access a domestic airport lounge and wish to take my wife along with me. Is it possible that we both avail FREE lounge access , with me showing my credit card and my wife showing the priority pass card?


    1. Siddharth Post author

      Yes you can.
      Actually now you can apply a Add on Credit card + Add on priority pass card for your wife that solves everything.
      Add on priority pass card is launched recently πŸ™‚

      1. Sayantan

        Hey thanks so much Sid, actually I am aware of the add-on and its complimentary priority pass card, but I would be travelling in the next 7 days and I don’t think HDFC bank can deliver me the add-on card in such a short notice. Anyway good to know that my wife can access the lounge too using my priority pass card.

        1. ketan

          HI sayantan,

          Try a request for addon card from netbanking they will deliver within 7 days…

          1. Sayantan


            I saw that option too.. But it seems the add on card holder needs to be an HDFC account holder, as it’s asking for “the customer id of the add-on card holder” if I applied through netbanking. Any help?

            Siddharth, would appreciate inputs from your side too..


          2. Siddharth Post author

            I’ve applied for add on cards simply by quoting the cust. id’s, but i guess you can also get for others, provided you have other docs.

  85. Harshad

    HDFC said I will earn 4 reward points on 150 spend on regalia and 2 on platinum edge…..but is it advisable to go for regalia against platinum edge

    1. Siddharth Post author

      Regalia is always the best compared to platinum edge. yes you can go for it.
      its complicated now as regalia is also getting devalued after Nov 1st.
      So convert and use the points as soon as possible.

  86. shreyans

    Hi Siddharth
    A friend of mine told that they will launch two cards, Bharat and Freedom.

    Also do you know anyone with 3L credit limit on Diners Club Black Card.

    1. Siddharth Post author

      That’s interesting, but appears to be Freedom fighters card or maybe Rupay cards which is about to be launched.
      No, haven’t seen 3L limit on Diners Black.

  87. Sayantan

    Hi Siddharth,
    I currently have 3424 points in my card account using which if I generate a voucher on today’s date, the value stands at Rs. 2568 (1 point=Rs 0.75). Say if I generate now and use it against some bookings after 1st November 2016, will the value remain at Rs. 2568 or it would get devalued just like the redemption ratio and be equivalent to Rs.2054 (1 point=Rs.0.6).

    Secondly, after generating the voucher how long will the voucher be valid?

    Thirdly, can I make a booking using rewards points AND voucher simultaneously?

    I am asking you these coz the regalia customer care seems useless and you have so far been a great help to me.

    1. Siddharth Post author

      1. Value changes as per their terms. But once voucher is created, it may not. No one knows.
      2. 30 days Validity for voucher
      3. You can use both voucher + cash if voucher balance is less.

  88. RAVI K

    Hi Siddharth,

    First thing First..your portal is one stop solution and worth going through while applying/using CC.
    I have been referring to it for quite a while for all of my CC decisions and find it extremely handy.
    Siddharth it would be extremely useful for a larger audience if you can use your expertise to provide an analysis/advice in form of a SPREADSHEET SHEET or otherwise depicting a situation wherein :
    1.Say an individual has 15/20/25 lpa ANNUAL income .
    2.His expenditure say 10/15 lap ANNUALLY.

    The analysis would provide/return the TOP 3 cards covering maximum needs.

    OR else you can provide a list of TOP 5 cards/combination of cards covering broad needs as per SPENDING Levels.

    I think these would much awaited article/analysis which will cater to a larger audience and provide a much needed respite from hassles while applying/using CCs.

    By the way i own an SBI Elite/Signature and HDFC regalia courtesy your portal.
    Thanx in advance,
    Ravi K

    1. Siddharth Post author

      Thanks for the feedback and i do Get your Point.
      Such articles are already in pipeline. Just that i need to find some time to get it live πŸ™‚

  89. Vishnu

    Hello Siddharth,

    I was contacted by HDFC bank saying i am eligible for HDFC regalia card and the request was processed. However when they called for verification they said i would be given Regalia first card. Can you please let me know the difference between Regalia and Regalia first cards? Which is better? Should i change my decision? Thanks a lot in advance.



    1. Siddharth Post author

      Lounge access counts and reward rate differs. Even Regalia First is pretty good.

  90. Suraj

    Hello Siddharth,

    Recently there was a stall put up by HDFC in our office premises and I was told that HDFC offer is going on where the Cards are life time free. Only condition is that you have to do some transaction(approx 300rs) on Payzapp. I applied for the card and got Regalia, yesterday. Now when I checked in customer care they say there is no such offer and there is annual fee of INR2780. I have registered a complaint. I am planning to cancel the card. Please suggest.


    1. Prashant Gupta

      its mentioned on the application form whether card is lifetime free or not. What was written on that.

      1. Suraj

        I didnt check whats written on the Application form. I believed the HDFC Agent.

    2. Amar

      well even i got the regalia card in Mar 2014 after pledging 70% of points in signature card and they told me it s free. after a month got SMS that its 2500+ST., i ignored it thinking its a mistake. in Feb 2015 they took 5000+ST from my account. i fought with them for almost a month, call center was adamant to accept my views and they blamed me that i agreed to pay annual fee and thats how the card was issued. then i used twitter with screenshots of SMS that said 2500 and my credit card transaction of 5000 and it reached some higher ups . after few more days i got email from senior management of HDFC that considering the goodwill gesture they made my card lifetime free and deduction of 5000+ST was reverted. so far i am good with this card as no annual charges, no rs 75 when claiming the reward points, and have free lounge access.i didnt fill the 1 Crore insurance of air accident as i am no lucky to get that 1C πŸ™‚

  91. AMAAN

    i have just got regalia first CC
    1. can reward points be earned on purchase of jewelry on regalia first??
    2. can hdfc CC bill be paid through HDFC debit card and earn reward points on that( i use that fr my sbi CC)…..


  92. Sachin

    Hi Siddhartha,

    Really informative stuff you have here!

    I have got the regalia and add on card for my wife.

    Now I have 2 priority passes one from All miles and on efrom Regalia, however my wife still has not got her priority pass and we are travelling in 3 days. While I have applied for it , i doubt my wife’s Priority pass will come in time.

    So can you shed some light on what is the check process of the priority pass- DO they match the name withe passport at international lounge? Else, I was hoping maybe we can use my 2 cards one for me and one for my wife. Alternatively I also have my brothers priority pass and can use that for my wife too.

    Your thoughts are needed.

    1. Siddharth Post author

      Most Lounges don’t check the names. Just swipe your’s first as they might ask for one Boarding pass for some documentation. Give your other PP card to wife and ask to swipe. It should be fine in most Lounges πŸ™‚

      If you show off like you’re the Mastermind of all cards, you might end up in denial of access πŸ˜€
      I’ve been in similar situation and done that by mistake πŸ˜‰

  93. Mahendra

    Hi Siddharth,

    I have regalia card. I would like to apply for addon card as it provides pp now. However, bank people asking for customer id of my wife. She is not Hdfc customer. How can can I get add-on card for her now? My father is Hdfc customer. Can I give my father customer id and my wife name to get add-on card?

    Thanks in advance.

  94. Bibhash

    Hi Siddharth,

    I have regalia First card. If I get ad on card then will I get 2 free lounge access per quarter on ad on card also?

  95. Kuldeep

    Hi Siddhartha,

    Is point value changed for regalia first to 0.6 from 0.4? Hdfc website suggests to be 0.6. Pls let me know if you have more info on this.

  96. hari

    can someone please clarify reward points on Regalia First?

    Rs. 150 = 4 points on any spends including Dinning (mostly fast food chain in malls), Utility payments, Insurance payments, retail shops for cloths etc.?

    Rs. 150 = 8 points on spends at Regalia website?

  97. Shailesh

    Hi Siddharth,

    I have a life time free Regalia card. If I apply for an add-on card for my wife, will it also come life-time free by default?
    1. Do I have to apply for the PP card separately?
    2. Will the lounge accesses, credit limit etc. will be divided between these cards?
    3. Could I avail visa blockbuster movie offer on the add-on card as well?

    1. Siddharth Post author

      1. Yes
      2. Shared with main card
      3. no, Add-on card has same number. Just the name differs.

  98. AMOL

    Hi Siddharth…
    Nice information sharing
    I got 2 questions
    Can I use Payzapp (linked to Regalia credit card) to top up PayTM wallet or any other website online transaction ?
    Can this transaction get me extra 5% reward points for credit card ?

      1. AMOL

        Can this transaction get me extra 5% reward points for credit card ?

  99. RAHUL Bansal


    1. Siddharth Post author

      Just send them the nominee details using the form you received with the kit. They don’t provide any more info about it. I asked them once and got no response.

  100. Nitin Khanna

    Hi Sidharth,

    I have applied today for HDFC Regalia alongwith 2 add-on cards. Just wanted to know, if the add-on cards can be used for online spends, and whether the point accumulated for these will be added to the primary card points, or is it separate for all 3? Also, I hope I will be getting Priority Pass with each of these cards. Can I use the add on cards as well as Priority Passes for Lounge access simultaneously…effectively meaning access for 6 people of my family at the same time in a lounge?

    1. Siddharth Post author

      No, Add-on cards are almost same cards just with different name on it.
      You can use Primary Credit card + Primary PP Card + Add on PP cards in that case.

      1. Nitin Khanna

        Siddharth, I got the credit card today along with the Add – on cards but only a single PP card for Primary Holder. It is mentioned in the letter that priority pass is only for primary holder. Can you please confirm at your end? What shall I do if that is not the case?

        1. Siddharth Post author


          You’ve to call Customer Support for the Add-on Priority pass Card.

  101. Urluck

    Dear Siddharth
    For Domestic longer access can we use Regalia master card / Visa card only ?
    Is it valid for free longue access ?
    So we can use priority pass only for international longue access, as it is limited upto 12 only.

  102. arjun

    i want to know that i have money back visa platinum card of hdfc and i offered by hdfc bank that there is an offer for you. you can upgrade your card to regalia that has minimum limit is 2 lakh and now my visa platinum card limit is 40000. so it is possible that my limit can be increased because when i called to customer care they told me there is only upgrade offer. you can upgrade your card into regalia but your limit cannot be increased and the excutive who took my documents he told me that your limit will increased upto 2 lakh.
    can anyone tell is it possible .

    1. Siddharth Post author

      It depends on your usage history, dealing with bank and lot factors. Yes, they can do so if your income supports.

  103. Arjun Jayasimha

    Are the 12 free international lounge accesses on the regalia via priority pass per calendar year or per year that you hold the card? As in, I got my regalia in Oct 2015 and want to know whether the validity of 12 is for 2016 or for Oct 2015-Sep 2016, then Oct 2016-Sep 2017 etc. Or is it for calendar year 2016, 2017 etc.

    1. Siddharth Post author

      Its Oct 2015-Sep 2016, then Oct 2016-Sep 2017 etc type

  104. Dhaval

    I just received my regalia card today (issued on 9-Dec 2016). The parcel contains booklets which offers complementary Taj Epicure Plus membership. They also mentioned to me about this benefit before I applied for the card. However their website mentions that new cardholders starting 1-Dec 2016 are not eligible for the same.

    It is bit disappointing to know they have withdrawn benefit without any notice. Hope they add similar alternate benefit to compensate for the same.

  105. Mamatha

    Where all can i use the regalia reward points e-voucher?

    The customer care also have no idea about where the voucher can be used, as it credit card team sends you the voucher. I want to use the voucher for online shopping on Amazon or Flipkart or Snapdeal..

    Can anyone tell if they have used the e-voucher from redemption point only?

    1. Siddharth Post author

      You can use it only in the Regalia My rewards website. Not in third party sites.

  106. Alka Sharma

    Regalia points fraud…
    Can you notice this reward point adjustment criteria of regalia…
    I had 9895 reward points in oct and earned 1549.. they adjusted 154 and made it final point balance 11290… had it been 2 last digit adjusted thn it was (95+49) 144 but they made it 154… why because they can adjust last 2 digits that is 90 in my next months balance … first they took 154 points from my oct balance in the name of adjustment….
    now next month in nov I had 11290 balance and earned 1557… they adjusted 2 last digits (90+57)147 and made it final point balance 12700…
    so they took another 90 and 57 from my point balance …
    in a way I lost (154+247) 301 in just 2 months wow…
    301 points stolen from my account…
    this is like showing the lollypop … and giving sugar

  107. Nitin Khanna

    Siddharth, any idea how I can change the email ID and phone number for my credit card soon enough? I have filled up the form and put that in the drop box of HDFC as was instructed by the customer care executive, but am yet to receive any update on that. Has been more than a week.

    1. Siddharth Post author

      It takes about 2-3 weeks. They’re damn slow.

  108. Rahul Kaushal

    I did not get any priority pass for the add on credit card with Regalia First card.
    I have priority pass with the original card, so can another person get lounge access with me using the add on card and i swipe priority pass twice

    1. Siddharth Post author

      Check out the links in article under “Lounge Access” Section. Its already discussed in detail.

  109. Ket

    1. Can I get this card without having a savings account with them? I do have a current account where I’m a director of the firm and a savings account where I’m the 2nd joint account holder.
    2. If yes, will it help to disclose my card type and limit from a different bank?
    3. If no, can I get this card against an FD and of what value?

    1. Siddharth Post author

      It Depends,
      Pls talk to the branch.
      They will need better income on IT paper.

  110. krishna

    Hi ,

    I have Allmils credit card i have offer upgraded Regalia card .

    Please advice me can i upgrade to regalia card.


  111. Raghuram

    Now reward point redeem value changed to .60rs from .75 RS.

  112. Nitin Khanna

    They have revoked the Taj Membership previously available on Regalia starting 1st Dec; and I got my card on 3rd. Seems they are hell bent on devaluing regalia, first reward points redemption, now this…

  113. Himanshu Shringi

    Now they have withdrawn Taj Epicure Plus Membership from Regalia as well – this card is rapidly going down the drain

  114. Naser

    I want to check how may lounge access i have utilized and how many are remaining. How can i check. Can you provide me any link or contact number to know the count of lounges utilized

  115. ramkumar nagaraj


    today i got a call from hdfc and they offered me only Regalia and totally declined Diners black.
    they said its life time free and the guy had no idea about reward points and other things.

    My queries, how good is the regalia website to book films and flights?
    is it visa or mastercard?

    How soon can i shift to diners black after holding regalia? My SB account is citi.

  116. Sahaj

    Hi Siddharth,
    very nice site,,, great info man….
    I am being offered a regalia card by a sales rep. who called me randomly and he said that it can be LTF if I use smart pay or take an add on card with it.. I want to ask whether they will give me in writing that its LTF ??? Any other good comparable card recommendation thats LTF. ( life time free is the main criterion )…..sorry for too many questions..

  117. ramkumar nagaraj

    Dear Siddartha,
    today i got a call from hdfc and they offered me only Regalia and totally declined Diners black.
    they said its life time free and the guy had no idea about reward points and other things.

    My queries, how good is the regalia website to book films and flights?
    is it visa or mastercard?

    How soon can i shift to diners black after holding regalia? My SB account is citi.

    1. Gagan

      HDFC Diners Black is not LTF but Regalia is. For the rewards etc visit their website or read the first post here.

      It is worth to have Regalia as its LTF and benefits are good – they do run 2X, 5X sometimes.

      Also check your eligibility for Yes Bank Cards – new to market and offering free online.

      1. ramkumar nagaraj

        Wich cars from yes bank are good? please advise


        1. Gagan

          Check their website…The best is obviously their top end card Yes Bank Exclusive First

  118. sk

    I have both Regalia and Amex Platinum Travel (Indigo Voucher). My annual spend is around 7-8 lakhs. Thus, was keen to upgrade to Amex Jet Airways Card. Looking for a good travel card. Please advice.

  119. Jatin Rawat

    Hey Siddharth,
    I need some info.
    I can dine in at lounges alone or with friends n family too?
    What are the annual charges of Regalia and any hidden charges?
    Hdfc Regalia is better or SBI signature?

    1. Siddharth Post author

      About lounges, check out the priority pass links in the article.
      Generally, only one per card allowed.
      Why not have both? πŸ˜‰

  120. ramkumar nagaraj

    Got regalia today, the credit limit is a abysmal 3lacs only.
    but the biggest issue i see is no priority pass card

    it seems we must do 4 transactions before we get it. Thank god , i got the MC varient

    So can i use either the VISA credit card or priority pass for lounges(once i get it)???


    1. SAHAJ


  121. Gokul

    I have got Regalia card today(LFT) with the credit limit of 3l.

    Dec 30(Fri) – Registered in the HDFC Diners Website for call back. Within 2 hours, got the call and they were ready to collect the documents same day. Since i was busy, i have asked to collect the documents on Monday (Jan2)
    Jan 2(Mon) – Documents collected
    Jan 2 – Got the confirmation call from the person(with whom i spoke on Dec 30) in the evening, asking for Name, email etc.
    Jan 3(Tue) – Got the Verification call
    Jan 4(Wed) – Application number shared and Got the message Card is approved in principle
    Jan 5 (Thu)- Text message delivered asking to do Digital verification
    Jan 9(Mon) – Got the message card has been approved and willl be delivered in 3 days
    Jan 10(Tue) – Card has been delivered at the evening.

    Within a week, i got the card. Very good experience from HDFC. When i applied for ICICI card last year, took a month to deliver the card even though i’m an ICICI(Savings/salary account) Privilege account holder for 5+ yrs.

    i) Still application status in HDFC website displays as “In Process”
    ii) I’m not HDFC Savings/Salary account holder.
    iii) Before applying for HDFC, tried call back option in IndusInd, SBI, no one seems to bothered to call back.

    Siddharth, Your blog helped me to learn about CC and also to find the right card. Thanks πŸ™‚

    Quick Query: Does ICICI has concept of RM?..In the past 5 years, no one from ICICI bothered to call me(rarely i used to get CC upgrade calls which i politely refused) and i have visited branch only once.

    1. Siddharth Post author

      Thanks for sharing your experience in detail.
      Glad the blog helped you πŸ™‚

      Well, ICICI deal with Volume (instead of quality), so we can’t expect RM concept to work.
      My ICICI RM never even called in past 2 yrs or so. neither they’re reachable.

      1. Mani

        @Sid. If we have two HDFC cards lets say, Regila and Diners Premium, Will there be distinction between the points earned in both the cards and will it be shown separately in the portal ? Given the redemption rate is different.

        1. Siddharth Post author

          Its treated as a different card altogether.

          1. Abhijeet

            1. Can we have 2 cards from the same bank ? I am told by HDFC that I cannot hold 2 CCs. I already have a regalia and wanted a Diners Club black.
            2. Separately, I am also told that my inhand income for Diners club black should be 1.75 lacs INR per month. They are ready to offer me Diners club premium , but with the recent reduction in the rewards, is it any lucrative?

    2. Mani

      @Gokul.. Congrats on getting your card. My question is you applied in Diners website to get the Regila Card ? or you applied for second card in addition to any other HDFC card ?

      1. Gokul

        This is my first HDFC card. I have actually applied for Diners Black and asked them to provide LTF. They were ready to provide Diners black. But for LTF, they asked me wait for 3-4 days to get back.

        I don’t want to wait(also not sure about issuing Diners Black as LTF), since i’m planning my vacation overseas next month end, i went for regalia. Now, i’m planning to complete 5 transactions in a week and apply for priority pass which will help during my trip.

        Also, as per my conversation with CC rep, there is no dedicated CC representatives for issuing Diners. Even if you register in HDFC Diners website for call back, still you can ask them for regalia or any other cards.

        In regalia, except Fuel, all other transactions(eg: Utility, Health Insurance, LIC etc) we earn reward points, is that right? or Only if i set to Auto payment, will i get reward points?

        1. SAHAJ






          1. ramkumar nagaraj

            i got the MC variant of the card and the priority pass card was sent to me after registering a compliant.
            I wonder whom i must mail to get a list of my priority pass nos? is it hdfc or pp customer care?

          2. Siddharth Post author

            Both are usually clueless, you’ve to escalate to get the details. PP support knew nothing about your PP card as its controlled and managed by HDFC.

  122. Vineet

    Today I noticed on HDFC website, that they have reduced complimentary visits on priority pass for Regalia members from 12 to 6.
    Any idea what will be impact for this on existing card holders? if some one has already consumed 7 visits this year, then he will not be getting any free visits? or for existing members this rule will be from next year after renewal?


    1. Siddharth Post author

      No idea Vineet, i’ll try to get an update reg. this. Drop an email to them to know about your a/c specific info.

    2. Hari


      That seems to be true for the existing card holders too. I got a mail from HDFC mentioning the privileges of the Regalia card (I have been using it for the past 2.5 years). Below is the content of the email.

      Dear Hari Krishna,
      As part of our elite circle, you enjoy world-class privileges and great saving opportunities. You can easily achieve incredible savings using your HDFC Bank Regalia Credit Card
      Enjoy Savings of up to Rs. 90,000 on annual spends of Rs. 8.4 Lakhs.
      Presenting the HDFC Bank Regalia Card Value Proposition:
      Benefits Annual Savings
      Complimentary Priority Pass Membership for Primary and Add-on Cardmember worth US $99 13,519
      Complimentary Priority Pass – Airport Lounge Access (Total 6 visits in a year) – per visit cost : US $ 27 11,060

  123. Reuben

    Hi Siddharth,
    I am eligible for a Regalia credit card. I was just wondering what if i don’t use the credit card , do i still get the 12 free lounge access at airports or its only after i start using the card the lounge access gets activated ?


    1. Siddharth Post author

      As per their recent terms and conditions, it gets activated after first 4 txn’s made on the card.

  124. Yogesh

    Hi Sid,

    I have a diners premium card for about 6 months now and my average card usage is 30k-40k pm. My wife is a home maker and does not have any card. I want to get a card for here that will allow her international lounge access. Can you please advice.

    1. Siddharth Post author

      She can also get a card, start with basic ones.

  125. Ranjith

    Hi Siddharth, for the lounge access for Regalia is it that priority pass card access of 12 entry per year along with that 2 free access using HDFC Regalia Visa Credit card, so totally per year it would be 12 + 2*(4) = 20?

    If someone has Regalia card they have total of 20 free access to the Lounge? which includes priority pass access of 12 entries per year along with that we can use the Regalia credit card as well for 2 times in a quarter (3 months) and 8 times in a year, so overall we get 20 free access of lounge access in the airport.

    1. Siddharth Post author

      Now the PP limit reduced to 6 instead of 12 per year. Rest yes, you’re correct.

  126. Pavan

    Hi Siddharth,

    I have All Miles Card with monthly use of 45K-55K and HDFC bank offering Regalia Card LTF. I have 20K reward points in All Miles Cards. Not frequent flyer (Domestic as well as International). No using for dining purpose. HDFC Catalogue is also redeeming the points at very low value against the items.

    I want to convert All Mile Card to any cash back card for better realisation of reward points.

    Pls suggest me.

    1. Siddharth Post author

      You might need to downgrade to Moneyback card if you need cash credit as a feature.

  127. thomas

    yes its for existing customers also. 6 pp access per calendar year so from jan 2017 to dec 2017 u will get 6 access free after which they can automatically charge linked credit card

  128. Aju John Thomas

    Hi Siddarth,
    Currently i am using

    HDFC Regalia
    Citibank Cash Back Card
    ICICI Ferrai Card &
    SBI FBB Card

    HDFC Regalia -when i checked Regalia is good as we can book hotels & flights with reward points.
    Citi cash back Card is is good asit automatically settle the reward points in bill cycles.

    ICICI Ferrai Card -It docent have any other good thing except Book My show ticked that too if we book under quota.
    SBI FBB Card – I am not a regular shopper at big bazzar.

    Please advise me on
    Is it a good idea to cancel the ICICI FERRARI card & SBI Card.

    Also suggest me two good cards to replace the above cards.

    1. Vineet

      If you are not using ICICI card and SBI card. Its good to stop them.
      You already have 2 more cards in hand so should not impact on your CIBIL score also.

      There are good number of cards available which you can go for…
      But you need to understand, except some Super Premium cards all the cards come with one feature..

      Like can be cash back card, movie card , Fuel card, travel card.

      You decide your requirements and on basis of that you can choose card from the correct segment.

  129. Mahendra

    Hi Sid,

    Could you explain what is card on card means? How can I use that concept while applying new credit card? Which banks allow this concept?

    Thanks in advance.

    1. Vineet

      Bank issues credit card , if one of the following eligibility criteria is met

      1) Bank defines the minimum monthly/ annual income which makes you eligible for the card
      2) If you already have credit card with any other bank with good credit limit. In this case they dont evaluate income criteria and consider your application on basis of your existing card.

      When you apply this card through agent/ bank, you can ask concerned person that you want to apply card through card on card basis.

      Higher is the variant, higher is the credit limit expected on your existing card for card on card variant.

  130. A Sarkar

    I used Regalia to fill petrol worth 450. Below are the charges,
    transaction – 461.5 Dr
    surcharge waiver – 10 Cr
    Pos credit – 3.38 Cr (what is this?)

    So, i paid 448.12 for petrol worth 450!

    1. Siddharth Post author

      Its 0.75% cashback on fuel as per gov. rule. Its one of the demonetization move.

  131. Thomas

    Hi Sidharth,
    My compliments on an excellent post.
    I already have a Citibank Premier Miles Card ( Visa) for the past 5 years and recently got my Regalia( Mastercard), purely after reading your excellent review. I was wondering that if Air Miles & Lounge access are the main reason for my keeping a credit card, should I stop the Citibank Premier Miles Card? Which of them is better for accumulating Air miles?
    Thanks in anticipation

  132. Shakti

    Nice review, HDFC has been devaluing this card over the last year.
    Is fuel surcharge waiver still applicable for Regalia? Someone told me it’s being withdrawn from Feb 2017.

    1. Siddharth Post author

      Its a basic benefit and i believe it will still be there.

      1. Ravi R

        its not, when i checked with HDFC customer care i was informed that effective feb 2017 the fuel surcharge waiver is down to only 1% ! thereby devaluing the card more now. πŸ™

  133. kumar

    I will be travelling from chennai to bengaluru soon with my family. 4 adults and 3 kids and I’m the only person with pp. Can u guide abt the charges applicable in chennai airport

    1. Siddharth Post author

      You might need to pay for others. Better swipe your actual card(regalia) as the charges will be less, than swiping all of them on PP ($27 each).

    2. Vineet

      Dont use priority pass of Regalia in Domestic. Its chargeable now.

  134. Shivi

    “Accelerated Rewards: You can earn 2X Reward points on dining, selected air bookings and > for purchases done on regalia website. <" – Regalia site now reflecting 2x reward points ONLY for bookings of hotels and flights. Not for DTH/Data Card/Mobile recharges and/or movie seat booking.

  135. Nandkishor K

    I know that we can make payment for credit card through net banking of any bank. My question is whether i can make payment for my wife’s credit card through my bank account? I.e.any third party can pay a credit card bill? Will hdfc reject the payment seeing third party has paid the bill?

    1. Praveen Perumalla

      I pay my wife’s regalia CC bill using my bank account (non-HDFC). No issues so far.

  136. Pankaj Khater

    Is there now a 75 charge for redemption, is it true for all transactions

    1. Siddharth Post author

      Its when you REDEEM points to Regalia vohcher.

      1. Mahendra

        That means Evey time when generate and redeem vocher for booking movie or flight ticket, bank charging 75/- extra. Isn’t it ridiculous​?

  137. Raghu

    Flight ticket rates on Regalia site are slightly higher than on clear trip site. Then what is the use of redeem / points on Regalia site when on one hand they charge higher for tickets and on the other hand give back via points / redeem?

  138. Prashant Gupta

    Has anyone noticed that you dont get full suel surcharge waiver on Regalia. Its only 1 %.
    “1% fuel surcharge waived off on fuel transactions.(Minimum transaction of INR 400. Maximum cash back of INR 500 per statement cycle)”

    1. Jay

      Full Surcharge is now only 1% compared to earlier 3.5%. Only Kotak Bank sent SMS and Emails informing about the change however other banks just silently changed it.

  139. Venkat

    Looks like the terms and conditions are changed now for domestic lounge visits for PP membership obtained through Regalia card –
    With effect from 1st Mar’2017, All domestic visits and also 7th International visit for both primary card holder & Add-on card holder through Priority Pass will be chargeable at the rate of $27*
    It says all domestic visits are chargeable at the rate of 27$

    1. Siddharth Post author

      Its been there for a while πŸ™‚

      1. Venkat

        If we cannot use priority pass in domestic lounges then how can they claim complementary lounge access? Can we use the Regalia credit card to get free access to domestic lounges? If yes, what is the limit per quarter?

        1. Siddharth Post author

          Yes you can use Regalia directly, 2/qtr

  140. sunil

    Hi Siddarth,

    Im new to Regalia card, can the points accumulated on this card be used to pay the credit card bill ? since it says 1pt = 0.6 INR. Im not fond of using vouchers /air miles etcs. and looking only for cash back on regalia or clearing bills using the points.

    Pls advice.

  141. vasa

    Hi Siddharth,
    Does the airport lounge access is allowed only when we book air tickets to travel? or it can be accessed when receiving/sending some persons too?

    1. Siddharth Post author

      Its only for those with valid air ticket for the flight on same day.

      1. AMAN

        how do you define international louge access.can i use my PP at internatioanl airport in india while i go for internatioanl travel.
        or all airport india will be defined as domestic lounge access and will be charged if i use PP

        1. Siddharth Post author

          Any lounge within India is Domestic.

          1. aman

            i got a mail reply from hdfc customer care.
            they have clarified that
            We wish to inform you that if the trip is an internation trip the same would be considered as an international lounge access
            For more clarity we request you to check with the lounge staff

          2. Shadab Hussain

            Hello All, just to give clarity that it will be considered as International. As this month I had used my CITI Premier CC at airport to my trip to Malaysia, i got the SMS as International lounge and while coming back when I have used the same card, i got the SMS as domestic lounge.

  142. mannan

    what does this mean
    can i use pp at delhi igi airport at international departue for flight to usa. . will it be considered as domestic lounge access or internationl lounge access.
    will i be charges 27$ or i can use pp here.
    March 2017 Update: Priority Pass issued by HDFC is now chargeable ($27) for Domestic Lounge Access. You can now use them only to access international lounges. You’re now left with Visa/Master card lounge access which is inbuilt with the card.

  143. aman

    i am going to usa via heathrow stop over in uk.
    can i use pp while departing from india and then again at heathrow airport
    my stop is over 3 hours there
    . can i use it 2 times a day

    1. Siddharth Post author

      You can use Multiple times a day, but PP now to be used only in Intl lounges.

  144. Geo

    I applied to the Reaglia card last week. Today I got a link in my mobile asking me to follow the instructions to verify my digital identity. It takes me a page where it asks me to login using my GMAIL/YAHOO/OUTLOOK id and asks to give ACCESS to ALL MY EMAILS. I read somewhere that, HDFC uses a third party service called to to get a credit score of the applicant. Is this a standard procedure now? I am not comfortable sharing access to my emails ESPECIALLY when the openly says that it has no control over how the data they access is going to be used!

    1. Siddharth Post author

      You don’t need to do it. Maybe they’re just testing it for sometime.

  145. PK Gupta

    I read your blog with interest. Extremely well written and informative
    I have recently got a HDFC Regalia (MC) which is lifetime free.
    I have now been offered the Infinia with the first year (Joining charges) waived. But I will be charged Rs 10,000 annual charges from next year (Unless I have an annual spend of Rs 800,000 which unlikely.

    Do you think opting for the Infinia will be a good idea?

    1. Siddharth Post author

      As long as you can spend, yes, Infinia is a great choice!

  146. Amit

    Applied for regalia first for my wife. they issued diners reward card with 30K limit !!!
    She already has SBI card with 1.5lacs credit.
    How to return the card. CC is saying to courier it back to HDFC Chennai on your own cost, after breaking the card πŸ™
    Any advise ?
    Any free alternatives for card with complimentary domestic lounge passes (4 in a year is sufficient)
    Salary is 65Kpm

    1. Siddharth Post author

      But this gives unlimited lounge access. Why would you want to return?

  147. Ajay

    Do we need a pin for PP while swiping it at lounge??
    And is domestic lounge access free as per new rules?

    How many free lounge visits allowed on my regalia cc ?

  148. Harsh Tiwari

    Great Article and Review Sid!

    I have Regalia World. I don’t use it often as I ahve taken a CC loan at 10.5%. Shall I start using the card for shopping?


    1. Siddharth Post author

      You can use as long as there is a limit.

  149. Suveer

    Regalia has revoked taj membership?

    Also, on PP how many lounge access do they offer 6 or 12?

    1. Siddharth Post author

      Taj benefit revoked.
      PP 6

  150. aman

    can we use pp at at delhi international airport while going out of india or i have to use my regalia card. which louge it will b e considered domestic or international lounge access

  151. Mahendra

    HDFC regalia website introduced entertainment section newly. But we can not use rewards for booking in entertainment section.( Confirmed with customer care). This section contains events other than movies.

  152. Deiva

    Hi there..
    It seems that now for voucher generation there is a fees of 75 rs. Are you aware of this?

    Or anyone has seen this fees added to statement?


  153. Raj

    I am having Money back credit card, just took a 3 months loan on it. Can I upgrade my card this month to Regalia and get loan transferred to the new card. ? The purpose of askign teh question is that I have few international travels coming up 2 months from now, wanted to use Priority Pass and Low Markup advantages.

  154. Anuj Karwa

    Found the below update on hdfcbankregalia website.

    All Domestic Lounge visits using priority pass will be charged at US $27 + ST as applicable w.e.f. 25th May 2017
    International Lounge Visits exceeding the complimentary visits will be charged at US $27 + ST as applicable w.e.f. 25th May 2017
    All guests visits using Priority pass would be charged at US $27 + ST per visit
    Charges will be billed to your credit card statement within 60 days of Lounge visit
    Any lounge visits out of priority pass network will be chargeable as per the discretion of the respective lounges
    Primary and add on card member can jointly enjoy the complimentary cap on priority pass
    The dollar conversion rate will be applicable as per the prevailing rate on billing date

  155. Hiren

    I am using HDFC Regalia credit card. When I redeemed order from my earned rewards they charged 90RS. What kind of service is this?

    Why they are charging for redemption even they are talking it as free?

    1. Siddharth Post author

      Yes, 75Rs+ST is sadly in their terms & conditions section.

  156. Jeevan

    I upgraded my jet privilege to hdfc regalia. I got the credit card, but I didn’t get priority pass yet. I completed four transactions also.
    I got another regalia card as add on from my dad’s card. For that also I didn’t get priority pass.

  157. Deepak L

    Can we get this card based on a credit card from another bank?
    Whats the minimum credit limit required on other banks credit card to get this credit card LTF???

  158. Vishal

    Hi Siddharth,

    It’s awesome to read your review. My salary on papers is 17.6 LPA. As per HDFC website, eligibility for getting Regalia card for a salaried person is: Age: Min 21 yrs & Max 60 Yrs, Income: Gross Monthly Income> Rs 1,20,000

    Problem is, my employer has turned my salary into 5% variable, the variable amount comes every quarter. Don’t know if my payslip will actually reflect 1.2 per month or not. Do you think I should apply for Regalia.

    I already have an ICICI Coral Credit Card which I have been using since August 2016, paying regularly and my Cibil Score is above 750. I have been rejected for SBI Platinum credit card in 2016 2 times, even though I had a car loan account with them, which is closed this May.

    Please help.

  159. Aditya

    Where can I get info about the 5x reward offers on regalia?

    1. Nikhil

      Hi Sid,

      If I want a good credit card with good cashback on online purchaseslike amazon,retail,dining and travel which would be suitable for me? I have around 1.8 lakh per month salary.


  160. Vishal

    Hi Siddharth,

    Awesome review of Regalia. Can you please help me to know if I can get a regalia card?

    My salary is around 17.5+ LPA, but with a variable pay of 5%, which comes on every quarter.

    I have been earlier rejected 2 times in 2016 for SBI Platinum Credit Cards, reasons unknown. My current Cibil Score is 750+. I already own an ICICI Coral Credit Card and have been using it since August last year.

    It would be great if you can help me out. I use my current card for almost every expense made per month to get reward points. Also, as per your other review, Regalia is going to be devalued. Should I wait for some other card? Is there a better option for me?

  161. Aman

    Has anyone used samsung pay? Saw its offering 5x on most hdfc credit cards till 30 june.
    Other card offers too were there.
    Samsung pay please review sid.

  162. Apul Agarwal

    I am having an all miles card for the past 1.5yrs want to upgrade it to regalia. Customer care is unable to upgrade also tried dropping the upgrade form but it it also got rejected. how to proceed for the upgrade

    1. Siddharth Post author

      RM might help you. Or, just try for Regalia first.

  163. Captain Bishuddha Bharatiya

    Now HDFC has stopped giving reward points on wallet loading in any HDFC credit card . Very sad.

  164. Captain Bishuddha Bharatiya

    Mr. Apul Agarwal sorry to hear that. I also had All Miles miles with 1.5 lakhs limit which they upgraded to Regalia First when I send card upgradation + LE form. I have few questions as I am also planning to upgrade it to Regalia in September.
    1. How much limit you had in All Miles ?
    2. How much annual income you have ?
    3. They have not upgraded your card but have they increased the credit limit ?
    4. Do you have any other relation with HDFC besides credit card ?

    1. Apul Agarwal

      1.In All miles I had a limit of 1.57 lakh
      2.Annual income- approx 10 lakh
      3.Yes they increased the limit
      4. No other relation

      1. Kevin

        For people who do not meet the income criteria, HDFC upgrades to regalia only if you have a minimum credit limit of 3 lacs on your hdfc credit card. Just shoot a mail to the HDFC credit card division and they will upgrade you to original regalia even if you dont have offer on your credit card.

      2. Sunny

        Regalia would be difficult at that income, they have explicitly mentioned now 1.2 lac per month cutoff

        Though this criteria might be relaxed if :

        1) You make very good amount of purchases on your credit card

        2) You have FD/Savings with HDFC with very good balance

        Otherwise I feel it is difficult

      3. Captain Bishuddha Bharatiya

        You have such high annual income and I cannot believe they haven’t upgraded you card. Very sad. So what is the new limit of your All Miles ?

      4. Shivi

        . @ Apul – Open a savings account & fixed deposit with 12 months+ tenure with them; wait for 6 months and then ask for credit limit upgrade again. ALSO, the card limit depends on your credit bureau reports.

  165. Ashish

    Will existing card holders continue to get Taj Epicure renewal on annual basis?

    1. Shivi

      Nope. Taj Epicure membership is no longer there.

  166. Shivi

    Ref : Insurance Coverage: Air accident compensation of Rs. 1 Crore, Protection worth up to Rs. 15 lakhs against any medical emergency when you are traveling outside India.

    So, I sent an email to HDFC Ergo as well as Customer care (cards) department asking for the T&C policy documents governing the Travel insurance policy which is offered complimentary with HDFC Regalia. Have not received any reply since 2 weeks. Does anybody have it? Or has anybody availed of the Emergency Hospitalisation Benefit of Regalia Card (which is now decreased to 12 lakh from 15 lakh previously)?

    1. Siddharth Post author

      Yes, nobody knows about this in HDFC Ergo. Seems like HDFC has this policy integrated within card (without any policy no) when i digged it last time. But then no one in bank knows any further detail on that.

  167. vineet khare

    Cheating and absolutly poor and harrasing services by HDFC. They keep on deducting amounts every month and even if you notice and ask them to stop bogus transactions, their cuctomer care will give you some bloody policy explanation and will never address the real cause. At the end of day you will feel cheated and exhausted.
    I am using HDFC ‘Regalia’ card which is their highest card, still extremely poor and disheartning servises by bank. These people should be dragged to court of justice and should be kicked out of country.

    1. Shivi

      Indeed… dragging & kicking the bank for some terms & conditions not read by the credit card holder is exactly the reason why one should not take any credit card in the first place! What an idea Sir ji!

    2. Parvinder Singh

      Their supreme card is ‘Infinia’. I am holding ‘Regalia’ card for last 2 years with enormous benefits. One thing is for sure, the customer care is useless. But, they have assigned me an RM who is very nice and resolves all my queries instantly. You just rely on the information provided on their website, (Not on the info provided by customer care, sometimes, they also don’t know what they speak).


    i am having HDFC credit card for the past 11yrs. paying prompt till now.

    i am having All miles card.

    they have given limit 6 lakh. still they have not upgraded to regalia or infinia.

    shall i surrender the card and switch to higher grade with another bank? or

    wait for some more months with HDFC?

  169. subramaniyam

    for the past nine yrs i am using hdfc card.
    there is no problem till now.
    they have given limit of 6.30 lakh.
    not upragaded to regalia till date.
    all miles credit card only.
    shall i ask request? or switch to some other card?
    having reward points around 20000
    what should i do?

    1. Siddharth Post author

      They can very well give Regalia. Just talk to RM.

  170. subrramniyam

    i have discussed with them.

    it is not possible right now to upgrade to regalia.

    is it wise to surrender the card and switch to some other bank

    with existing credit card limit statement to upper level?


  171. Srini

    I Own this card, now the reward points structure changed to 0.5/point.
    Is there any other card which I can get more that Regalia. like Manhattan ?

  172. ram kumar nagaraj

    Can some one tell me how to convert the RP to air miles?
    i have some 33k points accumulated, which i want to convert to JP miles.

    I have called up both Regalia and also the HDFC credit card care, both are equally clueless/useless.
    Can some one pls help??

    1. srikanth nalla

      First you need to register for airlines ff program.
      you wil get credential for the ff program and in the HDFC redemption site FF credential are required to convert points to miles.
      166 points = 100 miles

  173. Adi. H

    Hi Could you please tell me few things:

    1. What amount of ITR is required for this HDFC Regalia Credit Card? (Self-Employed)


    2. If going with the FD option, How much worth of FD is required and What are the other requirements of it?


    1. Parvinder Singh

      As per my knowledge, if one earns 12 lacs+ per annum, he’s eligible for this card. I’ve used so many cards from so many banks, i apply a card, use it for around 3 months, don’t like the features and deactivate it. But, this Regalia card is the bestest card i’ve ever used. I’ve used Priority Pass to access the world’s BEST lounge at Suvarnbhumi, Bangkok. Now, i’ve applied for free Club Vistara card (complementary with Regalia) as well. I”ve used Regalia to Book my next domestic flight. Last month, i redeemed my reward points to recharge my mobiles. WONDERFUL Card. And, i’ve lifetime free access to this card.

      1. Adi. H

        How much amount of Fixed Deposit is required to have this card against Fixed Deposit?

  174. tpan

    Thanks for the review

    I have 30000 point on my All Miles card and upgrading to Regalia First
    Do you have any idea, how many points will actually get transferred to Regalia First?

    Is it better to redeem current points on All Miles before being upgraded to Regalia First?

  175. viknesh ramanan

    Hi Siddharth,
    I am a new reader on

    I have a hdfc business money back platinum card and I am a jet airways blue plus frequent flier with a few miles in it.

    I am a self employed professional, should I upgrade to a hdfc jet airways world/ platinum card.

    What are the chances of upgrade if I apply for one ?

    Are there any better cards for jet privilege members?

    Response would be appreciated

    Thank you.

    1. Siddharth Post author

      Platinum maybe possible, depends on your limit/relationship with bank.

  176. Vinay Kumar

    @ Siddharth – After reading above comments, I just came to know that i can apply PP membership in 3 of my credit cards – 1 on Amex, 2 on IndusInd Platinum for me and my spouse, and 1 on HDFC Regalia First. Can i apply PP for all these cards or only 2 is enough.

  177. Dhruv

    Hi Siddharth

    I have an HDFC Money Back card and would like to upgrade to a Regalia. can you tell me what is the best way forward to upgrade as the customer care representatives always tell me that if there will be an option to upgrade they will inform me.


  178. Doney

    Hi Sid,
    I have 2.7 L limit on my Regalia first card. Can I get this card by talking to RM?

  179. Raghav

    I think HDFC Regalia is kind of losing the plot a little bit. First, they devalued the RP to 0.5 from 0.6 (after reducing it from 0.75 to 0.60 anyway). Second, they took away the whole Taj Inner Circle thing, so even more pointless. Priority Pass usage in India is now charged as well (It used to be free to use Priorty Pass at International airports in India, but they suddenly changed without any communication and it was the case that now you don’t need to swipe Priority pass but just show them Regalia – HDFC wouldn’t even inform about this and would just bill you). All these things make me feel as though Regalia is now losing the plot.

  180. Nitish

    hi Siddharth

    I’d be great if you can guide me for a card which can provide lounge access (Domestic) on add on cards.

    I have a reward card with credit limit of INR 2.96L with CitiBank today.

    Thank you

  181. jitendra saraogi

    i am having hdfc regalia LTF card with Rs.3 lacs limit since last one year.
    with huge devaluation and limited redemption options which hdfc card should i try for upgrade?
    for better returns on low cost. i also have yes bank preference card though.
    please advise.
    thanks in advance.

  182. Ameet Deshpande

    I have Amex Gold & HDFC regalia, which is good for regular use of 20k monthly spends.

    What use can we really make of concierge services? Are they really if any use ? Called up HDFC they say they do only flight & hotel booking on there website…..that’s it. Nothing else…is that of any use?

  183. vishnu

    Hello Sid,

    I just received Regalia Card, I am a frequent flier, and used many lounges in the past. Would you please spare some time and shed more light on the International Priority pass lounge assess property of this card. I would like to know exactly, how i can use this and will there be any hidden charges later.


  184. jitendra saraogi

    665 RP = Rs.500 indigo voucher
    above is mentioned in card review.
    i would like to know how it is possible or how can we convert same?
    thanks in advance.

    1. Shivi

      This was possible when RR of regalia was 0.75paise/RP. Now, it’s 0.5Paise/RP so not possible anymore.

  185. Sumant

    Hi All,
    I have Regalia card and I would travelling to Europe Internationally for the first time,
    Can anyone let me know the list of lounges which I can freely access under this card or if you can share the link which has names of all international lounges.
    If we avail domestially then is it chargeable ?

  186. Ravinder

    I find that annual cc spend reaches 16 lacs. To maximize reward points, should I shift from Regalia to Amex ?

  187. Aditya


    Just want to know whether Add-on Regalia card also qualifies jointly for complimentary domestic lounge access through Visa/Master policy or is that applicable only for Primary card holder? Thanks.

  188. Siddharth


    I’m already having a Regalia card and I’m looking for another card as well for my dad (keeping in mind the internation lounge access facility and low annual fees as 6 times a year is adequate for us). Is it advisable to go for another Regalia or other such credit card from the same bank? If not, can you suggest me the equivalents?


  189. Donald DSouza

    About 25 days back, I had applied for the Regalia card. Initially it was disapproved and I was asked to furnish the bank statements to vouch for my salary slips. Once I submitted the details, there hasn’t been a response of any kind from HDFC Bank.
    The rep through whom I applied isn’t concerned and hardly picks my phone.
    Sent an email to [email protected]. Haven’t got a response.
    The online website too doesn’t present any options to resolve the matter
    Tried the phone banking service. The phone banking reps don’t have access to CC application status. When I asked for a escalation number, they asked me to check the website.

    I am appalled by HDFC bank’s response service. Although this experience is personal, it’s hard to believe that in this modern fast paced world, there’s no transparency to the process and “waiting” seems to be the only option.

  190. Jibin Ashraf

    I have a regalia card. Do i need another forex card (Multicurrency forex plus or regalia forex) again for using abroad ?

  191. Arun

    I have been used HDFC credit cards for seven or eight years now. Started off with a Platinum card with a limit of, I think, 1.5L, which was increased to 3L and then 5L. Was offered Regalia as an upgrade and today, I have a limit of 8L on my regalia. I don’t own any other cards. I have used a regalia for four/five years now, I think. Started with 5L limit, got upgraded to 6L within a year and then got upgraded to 8L about a month back. Probably because I don’t use my card all that much. My typical monthly spend is less than 30000 – usually around 20000 – on my credit card, which I always pay in full. The only time I’ve come anywhere near using up all my credit was when HDFC offered me an interest free holiday for three months. I bought valuables for my wife and kids and then paid up the whole sum before the end of the three months. πŸ™‚ I’m thinking it’ll be another three or four years before they offer the next upgrade. LOL Would be funny if they offered me the Infinia once the hit the 10L or higher mark.

  192. akash

    For domestic lounge access, add on member is also allowed at free of cost or is there any charges.

  193. Sani

    Hi Siddharth,
    Just wanted to confirm on HDFC Regalia, the limit of 6 visits in a year is including the add-on card.
    Each swipe (primary or add on) is considered a visit?

  194. Pardeep khanna

    Is it is compulsory to get the the Rs one crore by the nominee in case of accidental death that tickets should be purchased through hdfc credit card

  195. Vijay S

    I have a regalia for the last 20 months with credit limit of 3L. My income is 14L pa. Please advise how to upgrade to DCB

  196. Shankar

    Wow, I too have the same requirement and similar situation, however don’t think they would upgrade for DCB with 14L income. Will they consider and upgrade with a decent credit score and regular ITR? If I am lucky to get the upgrade, I want to try for for Yes First Preferred which can be a good back up for DCB

  197. Sadan Shenoi

    For Regalia PP card, can I use up 6 complimentary visits within 3 months? Is there any per quarter limits like in domestic lounge programmes?

    1. Cbz

      Maximum 2 visits per quarter. Clearly written under T&C of Regalia PP usage

      1. Don

        Domestic lounge access limits increased from twice a quarter to 12 per calendar year. Very nice improvement. Now you can use much more than twice a quarter, subject to annual capping of 12 domestic lounge visits.
        Priority Pass usage restricted to 6 per calendar year, for international lounges.


    Yes they added 3 more benefits to regalia credit card…i got email today…apart from 12 domestic lounge visit,they started giving milestone bonus reward points with 5L and 8L spending slab…good move…what you say Siddharth?

    1. Siddharth Post author

      Yes, its becoming as good as it used to be.

    2. Ashish Nikhare

      They have changed the conversion ratio. Now with upgrade from Clubmiles to Diners you get 100% points.

    3. Shivi

      Seems they have finally woken up to customers shifting spends to SBI Prime and/or Yes Preferred.

  199. Ramesh

    Hi Sidharth,
    I got HDFC diner’s black recently. Is it good compare to other cards or how it is?

    1. Prashant Gupta

      If you go through all the comments here and the respective articles you will get to know.

  200. Atul Jain

    Hi Sidharth,

    I hold HDFC Banks, Regalia Credit Card. My query is that are you sure that the reward rate for Red Giraffe’s Rent Pay would also be @ 4 points per Rs. 150 spent? Because, in case, Rent Pay falls under a category for which the reward rate is lesser, I might end up paying more to Red Giraffe than saving reward points on my card. Please advise.

      1. Shivi

        @ San – Check with the credit card customer support for a sure shot answer to your query! Atul posted his question more than 6 months back. A lot has changed since then!

  201. Gopal raju

    Hello sir, I got msg from hdfc that your HDFC Bank regalia credit card was dispatched….how much limit can I expect sir minimum for regalia card

    1. Himanshu

      @Gopal raju
      You can use HDFC missed call banking feature to get details of the limit on the card.
      The number is 1800-270-3311 and make sure you call from your registered mobile number. I got to know my card’s limit even before it was delivered through this trick.

    2. Shivi

      Let us know when you find it out yourself on your card welcome letter! :p

      1. Ram

        Its 100% case by case. I used a regalia first card for 6 months and I applied for upgrade to Diners black the month I get my yearly bonus which is about 3 lakhs. My RM couldn’t help initially but then after 2 escalation emails I was offered DCB without joining fees

  202. Captain Bishuddha Bharatiya

    I want to upgrade my Regalia First ( Rs. 2.25 limit ) to Regalia. Can anyone please help me ? How to do it ?

    1. shivi

      1) Call up HDFC credit card customer service and ask for an upgrade;
      2) Fill out HDFC credit card upgrade form from the branch, attach your salary slip and/or IT documents and post it to their HQ;
      3) Talk to the credit card agent from HDFC bank branch or your RM or BM.

      1. Captain Bishuddha Bharatiya

        1. Customer care says I do not have any offer.
        2. I tried this in the month of March 2018 but failed to get upgrade. May be because I had only Rs. 4.01 lakhs ITR.
        3. RM and branch peoples says it can’t be done as I have very less ITR.

        1. Shivi

          Well then, the only option is to keep using Regalia First and wait for an upgrade offer!

    2. Sharathkumar Anbu

      If you are auto eligible, You will get the offer immediately.

      I remember you were saying that your ITR is around 4 lakhs. One of my salaried friend with ITR around 8.5 Lakhs, requested for upgrade to Regalia by sending Salary slip but it was declined instead they gave only Regalia First.

      You could try your luck πŸ™‚

  203. Sivashankar Jagadeesan

    Update: HDFC Regalia Card has 12 Free domestic lounge visits now with VISA/Master Card from Previous 8 in a calendar year.

  204. kumar

    I generally travel from Delhi to Bangalore. It was sad to know that the card is no longer accepted at T1 D premium plaza lounge of Delhi Airport. So people using Indigo/Spicejet etc will not be able to use it on T1.

  205. Ankit Bhageria

    My wife is planning to apply for HDFC Regalia. She has an ITR of around 20 Lacs, not sure if he will get the card. Any way to enhance our chances? Also, how can we specifically get the Mastercard variant of Regalia. One of our primary needs is Domestic lounge access and hence the preference for Mastercard. Is there any way to ask for that during application process?

    1. Prashant Gupta

      Ankit….she will get it with this ITR. In the form ask for mastercard variant….when i applied for my wife i got mastercard by default, but i asked them to replace it with visa and it was done quickly.

  206. Akshara Gupta

    How would you compare Regalia vs Axis Select Credit Card.
    Which one comes out on top?

  207. Keviv Lawarga

    I hold diners rewardz card with a limit of 1.72Lakhs for over 2 years, have a corporate salary account for over 2 years, and In-hand salary is over 67,000 Rupees. Apart from that, I have a personal loan of 2 Lakahs with them with 12 EMIS paid, always on time.
    Will I able to get an upgrade to Regalia or are they very strict about 12 Lakhs ITR

    Also 2 questions:

    1)How many maximum add-on cards allowed
    2)Does the add-on cardholder have free domestic longe access?

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