HDFC Bank Regalia Credit Card is one of the most popular premium credit card in the country since past many years. Most of the premium credit cards that we have now are all designed after the success of this legendary card.
However, it has lost its name & fame as it went through series of devaluation in recent times but now HDFC has added new set of benefits to make it shine again as it used to be.
Note that this is the Original Regalia and do-not get confused with the Regalia First, which stands one step lower to this card.
Table of Contents
|Type||Premium Credit Card|
|Reward Rate||1.3% – 2.2%|
|Annual Fee||2,500 INR + GST|
|Best for||Airport lounge access|
|USP||Priority Pass for Add-on cards|
HDFC Bank Regalia Credit Card is an amazing card for family travellers as you can get Add-on cards for your family members which allows access not only to domestic airport lounges but also international lounges.
|Renewal Fee||2,500 INR + GST|
|Renewal Fee waiver||On spending >3 Lakhs|
Generally the card is issued as First Year Free and those who’re taking this card anyway spend 3 lakhs easily, making it a free card as long as the spend is met. It may also be issued as Lifetime Free based on the offer.
Just incase if you’re not aware, the Regalia Credit Card has multiple variants, as below:
- Doctor’s Regalia (no longer issued)
- Business Regalia (some benefits are different)
- Corporate Regalia (no longer issued)
Apart from above, we do have the Regalia First Credit Card which is altogether a different product.
Default Reward Rate
- 4 RP for every 150 INR Retail Spends
- 1 Reward Point = 0.50 INR (when redeemed on regalia portal)
- Reward Rate: ~1.3%
- Earn 10,000 Reward Points on annual spends of Rs. 5,00,000 or more in each anniversary year
- Earn 15,000 Reward Points on annual spends of Rs. 8,00,000 or more in each anniversary year
- Fulfilment: Within a month of reaching the spend milestone.
So if you’re able to spend 8 Lakhs in a year, you can get reward rate as good as 2.2% – which is good, but i wish they had designed it to achieve the 2% reward rate as it used it to be in the past.
Every now and then HDFC runs offers with various merchant to give you 2x/5x/10x of the regular points which multiplies the reward rate so well.
I was fortunate enough to earn 27,500 Reward Points in a month few years ago, but now they’ve put very low upper cap on most promos that it gets really hard to rack up points like in olden days.
All the above reward rate that I’ve mentioned is possible to achieve only when you redeem the points for travel bookings (flights/hotels). If you prefer to redeem your points for shopping or other vouchers from the catalog, you’ll end up loosing a lot.
Redemptions are easy and I’ve myself used Regalia Points to book a trip to Vietnam – typically saving 25,000 INR using points.
- Checkout: Redeem HDFC points for maximum value
|ACCESS TYPE||ACCESS VIA||ACCESS LIMIT|
|Domestic (Primary)||Visa / Mastercard||12/yr (shared)|
|Domestic (Add-on)||Visa / Mastercard||12/yr (shared)|
|International (Primary)||Priority Pass||6/yr (shared)|
|International (Add-on)||Priority Pass||6/yr (shared)|
For domestic access, note that most of the Visa/MC credit cards gets limited access every quarter but with Regalia the limit refreshes every Calendar year, which is great indeed.
But remember that add-on credit cards may-not be able to use domestic lounge access along with primary credit cards same day at same lounge, as both cards bear same number.
For international access, each add-on card gets a separate priority pass card which can be very useful if you’re travelling with family.
If you would like to check the remaining visits left on your card at any point of time, you need to check with Priority Pass directly pp [at] prioritypass.com.hk about the visits done on your PP card. Just deduct that # from your actual limit and you’ll get the remaining limits on your PP card.
Forex Markup Fee
- Forex Markup Fee: 2%+GST = 2.36%
- Reward rate on Intl. Spends: 1.3% (same as domestic)
- Net gain: ~1% (loss)
So, HDFC Regalia credit card is not suggested for international spends. However, if you’ve activated the Global Value program you would get additional 1% cashback on international spends, making it a no loss/gain txn.
While HDFC Bank Regalia Credit Card doesn’t have any standard golf benefit, you may still avail the Mastercard Golf benefit (1 lesson per month + 4 games per year) if your card is issued under Mastercard network.
The complimentary games/lessons may vary with the type of Regalia credit card you hold.
How to Apply
- New Application: >12 Lakh Annual Income (Branch/Online)
- HDFC Preferred Banking: If you’re on Preferred Banking for >6 months with good Balance/AQB, you’ve higher chances to get Regalia if above condition is not met.
- Upgrade: Limits above 3 Lakh on existing HDFC card (Regalia First/Allmiles) with good spends would help.
If you’re holding Regalia or willing to get regalia credit card, you may also look at below cards,
- Cardexpert Rating: 4/5
HDFC Regalia Credit Card is undoubtedly one of the wonderful credit cards designed so far. It’s so much popular that the cardholders know it when you say “Regalia” as it has a high brand recall value.
And no wonder that I would have myself literally seen 100’s of Regalia Cardholders swipe their card for lounge access.
I was holding Regalia few years ago and it was certainly a amazing card. While the Regalia with decent reward rate is good at its current position, it could be much better if the default reward rate is pushed a little more.
Whats your take on HDFC bank Regalia Credit Card? Feel free to share your thoughts in comments below.