HDFC Bank Regalia Credit Card Review (2018)

By | September 13, 2018

HDFC Bank Regalia Credit Card is one of the most popular premium credit card in the country for many years. Most of the premium credit cards that we have now were all designed after the success of this legendary card.

However, it 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 always used to be.

Lets have a look at this card in its newest form as my previous review is quite old now. Note that this is the Original Regalia and do-not get confused with the Regalia First, which is one step below this card.

  • Variants: Regalia, Doctor’s Regalia, Business Regalia, Corporate Regalia
  • Joining/Annual Fee: 2,500 INR (But you can get it for free mostly)

HDFC Bank Regalia Credit Card (Business Variant)

Reward Points

Default Reward Rate

  • 1 Reward Point = 0.50 INR (when redeemed on regalia portal)
  • 4 RP for every 150 INR Retail Spends
  • Reward Rate: ~1.3%

Spend Based Milestones

  • 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: After completion of the card anniversary year.

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.

5X/10X Offers

Now this is where the Regalia credit card shines. 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 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.

Note that Business Variant has separate set of 10X partners, but upper caps are everywhere!

Redemption

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.

Lounge Access

Domestic

  • Access Via: Visa Signature/Master Card
  • Complimentary Limits: 12 (shared between Primary & Add-on cards but both cards cannot be used for same lounge, same day.)
  • Limits Reset: Every Calendar Year

Note that most of the Visa/MC limits are set to every quarter, but with Regalia its an yearly limit, which is great indeed.

International

  • Access Via: Priority Pass
  • Complimentary Limits: 6 (shared between Primary & Add-on cards)
  • Limits Reset: Every Calendar Year

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@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.

Other Benefits

  • Foreign Exchange Markup fee: 2% + GST
  • Credit Shield: 9 Lakhs

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.

Competitors

Regalia is a premium credit card (industry’s current hot segment) and so has grand set of competitors across various banks. So if you’re holding Regalia or willing to get regalia, you may also look at below cards,

Bottomline

HDFC Regalia is undoubtedly one of the wonderful credit card of our generation. Its so much popular that the guys operating airport lounges know it when you say “Regalia” rather than Visa Signature or Mastercard. I would have myself literally seen 100’s of Regalia Cardholders swipe their card for lounge access.

  • Cardexpert Rating: 4/5 

I was holding this card before i switched to HDFC Jet World (Signature) and some of you might be holding Regalia even now. 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.

Author: Siddharth

I love Credit Cards! Minting reward points and cashback for years. Now exploring Airmiles & Hotel loyalty programs. Obsessed with aviation, airport lounges and luxury travel at affordable cost.

199 thoughts on “HDFC Bank Regalia Credit Card Review (2018)

      1. KARTHIK

        3 to 4 lakh spends per year on this card. Didn’t get the upgrade, so switched to amex cards.
        Don’t have preferred banking but have savings account.

        Reply
      2. Piyush Aggarwal

        Heelo Sir,
        I have a big confusion, I am using HDFC Moneyback it gives me 2points on Rs 150 spends and 4 points on Rs 150 for online transactions. Each reward point can be converted into cash at 0.20% . It also gives me 500 Rs cash voucher for myntra every quarter on spends of RS 50,000 for each quarter. I have been given numerous options to upgrade to Regalia First but I am reluctant to do so since Regalia points in my opnion can only be spend on Flights and Hotels and I am a less of travel person. Please guide me if I am right or wrong.

        Reply
  1. Ameya

    Hi Sid, I think on spending 8L, you will earn 2.2% (~21000 regular spend based points + 15000 milestone points).
    But still, for a premium card, 2% is still very low.
    I am a frequent traveler and prefer the Citibank cards which 3-4 times in a year will collaborate with MMT to offer crazy cashback deals. If one includes these benefits, the return rates shoot up significantly.
    Also, I like the AMEX milestone rewards. They offer genuine value and that is the reason it is my go-to card nowadays.
    Needless to say, good review covering all aspects

    Reply
    1. Siddharth Post author

      Yes, Reward Rate on Milestone spends updated. Thanks 🙂

      True, recent Citi MMT hotel offer was like 50% – Great value there, yet renewal fee is not being waived on Citi PM right?

      Yes, Value out of Amex cards as a whole equals to Super Premium cards.

      Thanks again!

      Reply
  2. Poorna

    With respective to reward points and redemption, don’t you think Yes First Preferred has an edge over HDFC regalia?

    Reply
      1. sumit Begwani

        Siddharth How is Yes Better in this as they have .25 redemption value for RP. ???while regalia hai .50 redemption value .

        Reply
        1. Satish Kumar Agarwal

          @Sumit
          Yes First Preferred: 8 rps per 100= 2%= Flight/ Hotel + GV redemption also. Though now they don’t have Amazon GV in their options which was great.

          HDFC Regalia : 4 rps per 150= 1.33%= Only Flight/ Hotel booking is worth the value.

          Reply
        2. AshishR

          for regalia, you earn 4 points / 150 spends, each point is 0.50rs
          so reward rate becomes 1.33% per 100rs spent

          for yes first preferred u get 8 RP per 100rs, each point is 0.25 rs
          so reward rate is 2% per 100rs spent

          Reply
        3. Shivi

          “Dikhawe par mat Jaao, apni Akal lagao”. Simple, straightforward mathematical calculation

          Reply
  3. Piyush

    If the case, the bank is not issuing me Regalia and I hold Diners ClubMiles, how do you see my current card? I understand that apart from a few lesser airport lounge accesses, there isn’t any difference between the two. Both have even the same reward rate. How do you see the difference?
    Should I still try to get hold of Regalia desperately?

    P.S: I don’t see any issue with acceptance of Diners now in Bangalore.

    Reply
    1. Hari

      Clubmiles gives you more value when you convert your RPs to airmiles ( 1RP = 1 airmiles).

      Reply
  4. Poorna

    My spend is 3L on yes first preferred and income is >40l. I also hold regalia. I hardly use regalia. There is emi for 12 month which ll be done in another 3 months. I hold both of them for more than a year. Can I get upgraded to yes first exclusive or regalia to dinner club black?

    Reply
    1. Prashant Gupta

      You can easily get diners black…..contact any branch and fill the form with income documents.

      Reply
    2. Abhishek Roy

      Approach your bank manager. You can even get invited for Infinia. But getting Diners Black shall be easy for you if you hwv a current credit limit on your existing Regalia, more than 3-4L. Getting YFE through income documents is little difficult for your ITR, it’s worth giving a try. Insist on getting a life time free version.

      Reply
      1. SUJIT KUMAR HOTA

        5 lac is the required limit for upgradation to DCB and 8 lac to be invited for infinia.

        Reply
  5. ANUGU RAVINDER REDDY

    Hi everyone,
    My money Back (CL Rs.75,000/-) was upgraded to Regalia First during Nov.2017 with the CL of Rs.4,75000/-. I spent around 13 lakhs and I was offered Regalia during Aug.2018. I’m a classic account holder.

    Reply
  6. Rohit

    They’ve increased the number of domestic lounge visits but seems the list of lounges is shorter than last year.

    Reply
  7. SJ

    Hi Siddharth,

    Do the add-on cardholder need to apply for a separate priority pass for international lounge access?
    What about the complimentary domestic lounge benefit for add-on card holder?

    Reply
    1. Malavkumar Patel

      There is no complimentary domestic lounge access for Add-on card holder, And yes you need seperate Priority Pass for Add-on card holder for international lounges.

      Reply
      1. AshishR

        there are 12 complimentary domestic lounges shared between primary and addon

        Reply
          1. Suresh

            AshishR is correct. The Lounge access is shared between Primary & Add-on members. I and my Add on members have been using it

  8. Himanshu

    How to get business regalia? I currently have reglaia first. I have savings a/c with hdfc and classic member. current limit is 3lakhs.

    Reply
    1. Malavkumar Patel

      Why would you want Business Regalia?
      Usually business variants don’t receive don’t receive targeted offers etc.
      You should upgrade your regalia first to regalia.

      Reply
  9. Nikhil Goel

    Hey Sid
    I am holding Diners Premium with limit of 3.90L. Current 10x partners are of no use to me to avail 10x benefits whereas i can easily spend 8L in an year for the 2.2% reward rate.

    Do you think i should get it upgraded to Regalia or stick to DC Premium or upgrade to some other variant?
    Other cards in my wallet are
    Yes First Exclusive
    Axis Vistara Signature
    SBI Simplyclick
    AMEX Gold
    AMEX MRCC
    Kotak Privy League Signature

    Reply
  10. ANUGU RAVINDER REDDY

    Hi,
    Domestic lounge facility is for both primary and add on cards also. Shared among the cards.

    Reply
  11. 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?

    Reply
  12. Rajkumar

    Hi Siddharth,

    I want to share my HDFC CC experience with you. I got a call from Telecaller (Aalia shaikh) and she offered me HDFC Regaliaa card with No joining and annual fees with lots of benefit( Bye one get one free offer on Book my show) . I was ready for this and submitted my documents and after few days they directly dispatch card to my address. Once I opened that is Dinner club miles card. I don’t want this card because there is no offer on Book my show with this card. Can you please tell me how I cancel this card?

    Reply
    1. Himanshu

      @rajkumar

      Don’t cancel the card right away. It will hurt your cibil score. Just use the card, make timely payments and upgrade your card after 6 months . For regalia card
      preffered account with high NRV may help.

      Reply
    1. Satish Kumar Agarwal

      Rohit

      Any Mastercard World variant of debit/ credit cards, selected Mastercard platinum variants ( Check respective offers in their t&c), Diners Clubmiles/ Premium/ Black variants, select Rupay cards and ofcourse PP will do.

      Reply
  13. Joseph

    How do I get an add on card and add on priority pass for my wife on my regalia. CC told to apply online. But I can’t find such an option online. (p. s. I don’t have a hdfc sb account. Only have a credit card login)

    Reply
  14. Joseph

    How do I apply for an add on regalia card and pp for my wife. CC told to apply online. But I don’t see such an option. I don’t have a hdfc account, so only have credit card login.

    Reply
    1. Mickey

      Download the Physical form and send it to HDFC Chennai address with yr wife’s signature and 2 proofs

      Reply
    2. Ram

      I guess you have to make ~3 2k transactions on your wife’s card post which you will get a link on SMS to apply for the priority pass

      Reply
  15. Ali

    i have a hdfc-jet platinum card
    should i go for hdfc regalia OR citi premiermiles ??

    Reply
    1. Sharathkumar Anbu

      Hi Ali,

      1. What are your needs? What kind of rewards are you looking for?

      2. I believe HDFC Jet platinum card which you are referring to is Credit card. You can only have 1 credit card from HDFC in most of the cases. If you have upgrade option available based on your spends or income, You can upgrade to Regalia.

      Reply
      1. Ali

        thanks for the reply

        travel benefit wise is regalia better or citi PM ??

        Reply
        1. Sharathkumar Anbu

          General reward rate of Regalia – 1.33% for 100 Rupees (Reward points will be awarded only for multiples of 150)

          Reward rate of Citi Premier Miles – 1.8% for 100 Rupees (Reward points are cumulative which will give higher benefits)

          Reward rate of Regalia is lesser than Citi Premier Miles but regalia will be helpful when you use 10x reward points offer in Smartbuy (Flipkart, Amazon, Flight tickets, hotels).

          Citi PM doesn’t have such high accelerated rewards but it has very good merchant offers like HDFC too. Citi gives lot of offers with Makemytrip and other travel websites too.

          Reply
  16. Ameet

    Hi,
    Wanted to know which card fares better between:

    Regalia vs HDFC Jet Priveledge World
    Regalia = 4pts for 150 spend
    Jet Priveledge = 6pts for 150 spend

    I also hold Amex Travel Card which is my primary card. Once i cross threshold of Rs.4,00,000/- spend, i would then start using my next card which would be either one of the 2.
    Which do you suggest??

    Reply
    1. Amex Guy

      How much more do you expect to spend in a year? If you’re halfway there with 4L, you may also get an Amex Payback card which gives 7000 Flipkart voucher on 2.5L spend. Once done, go on to Amex Gold Charge and work for 10K statement credit.

      To win anything reasonable at points game, you either have to have much higher spends (15L +) or you must be exploiting multiplier offers. If neither of those are true, stick to threshold cards.

      Reply
      1. Ebin

        Hi Amex Guy,
        Any idea why AMEX is not rewarding for insurance transactions while all the others do. I know they run some promotions which gives cashback on LIC payments but regular rewards are missing.

        Reply
  17. PM

    Folks, I need some feedback regarding an offer my RM is making.

    I am a preferred customer and my wife’s saving/FD is attached to my preferred status. She isn’t working currently and has no income of her own since three years.

    RM called yesterday offering a LTF Regalia to my wife.
    Should we go for it?
    Points to consider
    1. I already have a Diners Black, Yes Bank Exclusive (LTF) and AMEX Rewards (LTF) and my wife has the add-on card for all of these, including the PP on YBE.
    2. This Regalia, if we go for it, won’t be used at all.
    3. Is a new line of credit worth it? Given that we have no loans and have always paid CC balance in full.

    Thanks in advance!

    Reply
    1. Ankit Tanna

      Hey PM, if it’s LTF, I don’t see why you shouldn’t go for it. Good to have a line of credit even if you don’t use it.

      Reply
  18. Santosh

    Hi, Is there any credit card which offers lounge access to both primary card holder and addon card holder at the same time and in the same lounge?

    Thank you

    Reply
      1. Prashant Gupta

        Ultimate does not provide for add on in domestic and for international also 1 has to spend 20k on each card for lounge access.

        Reply
  19. MUKUNDAN

    Dear Siddarth
    Your reviews are always great. There is one update on add on card. I have used Regalia primary card and add on card at the same time last week in Hyderabad Airport. For info. Tell me which card gives unlimited lounge access .

    Reply
  20. Satish Kumar Agarwal

    Received Regalia cc on upgrade from 1 year old Regalia First cc.
    CL enhanced by approx. 40%.

    BM/ RM tried his best for DCB but unsuccessful. Will try again for DCB after 6 months.

    Reply
  21. Mohan

    CL Enhancement, I tried in multiple ways for limit enhancement thru RM, Branch Manager and sending letters to credit limit division in Chennai. But all in surprise, today i book flight ticket from smartbuy for 80K for my trip to Sydney, they called me for transaction inquiry and increased limit from 3.6L to 9.7L… Huge limit enhancement.

    Also, i notice my friends Regalia cards been upgrade to Infinia in recent past once after their credit limit enhanced. I confirm same with 2 of my colleagues.

    Reply
    1. Praveen Katiyar

      @Mohan
      That’s a huge Limit Increase. Congrats..

      Reply
  22. Joseph

    How many add on cards can one activate on this card? And can one use all the associated priority pass cards on a single day at the same international lounge?

    Reply
    1. Sharathkumar Anbu

      You can get 3 add on cards per HDFC card. Yes. You will be able to use all PP cards at the same time in a lounge. Please note that the combined limit for all PP visits in Regalia card is 6 per calendar year.

      Reply
        1. AJAI

          Just wanted to correct this error I just tried to use two PP’s “Prim & Add-on” in one lounge and it did not work so had to use an alternative but for sure you cant use two PP’s in the same lounge.

          Reply
  23. Ravi Srikant

    How are these reward points calculated? If terms say that maximum is 25,000 reward points a month, is this before 10x reward points or after as the extra points are anyhow credited after 90 days?

    So if i spend Rs 5,00,000 I would be eligible for 13,333 points (5,00,000/150*4) immediately but with 10x reward points I would be eligible for an additional 119,997 reward points (133,330-13,333). Could you please clarify how this works?

    Reply
    1. Joseph

      I think you will get 25000 points max (with 10x),if you spend lump sum, whenever those points get credited.

      But I have a question, what if you convert that 500,000 spend into 6 EMI. Then will you be eligible to get
      500,000/6 = Rs83,333 EMI= 83333/150X40 = 22222 points per month x 6 = 133333 points. (which will easily cover the interest on the EMIs)

      This is assuming 10X points on smartbuy for flight tickets for eg.

      Does it work like that? Anyone?

      Reply
        1. Joseph

          Smartbuy, terms and conditions for 10x on credit card says

          “Applicable for EMI Transactions (on flights / Hotels / Flipkart store). Not applicable on EMI transactions on Compare & Shop, and Amazon exclusive store.”

          I also confirmed with concierge that it works.

          Reply
        1. Pavan Goyal

          Also no RP for transactions on wallets spl from hdfc only icici n sbi gives RP

          Reply
  24. Ankit

    One of my friend using hdfc bank solitaire credit card with credit limit of rs. 26000/-. She recently got auto credit limit enhancement through net banking to rs. 150000/-. credit card is issued in sep 2018 and within 2 months of usage she got enhancement…

    Reply
  25. Jospeh

    How do I book premium economy flight tickets on hdfc regalia website? They have options only for economy/business/first class.
    Concierge also unable to help.

    Reply
    1. Shivi

      You can only book the class which is mentioned on that site. Else, you need to book Premium Economy from the flight’s own site and not through HDFC Regalia.

      Reply
    2. Anoop E S

      I had sent a mail requesting them to incorporate premium economy in flight booking options. They replied like they are working on it and in the meantime, we can call them to book premium economy tickets.

      This was for Diners, but I think both regalia and diners are powered by the same service provider ie. cleartrip

      As such, calling the customer care number should help us book tickets in premium economy. But I am yet to try it.

      Reply
      1. Joseph

        Called regalia concierge. They couldnt help. Says they also have the three options only. No premium economy.

        Reply
    3. Mouli

      I also tried but no option as of now to book premium economy ticket in Vistara, Will check
      If you find any option then do post it

      Reply
  26. Srinjay Dutta

    Do I get 10x reward points if I book flights through the regalia website? Currently there is 10x rewards going in the hdfc smartbuy website. Which would be more beneficial if i immediately do not have points to redeem but hold the regalia card?

    Reply
  27. Shivi

    10x Rp no longer available for bookings through Regalia Website. 10x RP through HDFC smart buy gives you a 13.33% savings for Regalia and 33.33% for Infinia/DCB so that’s any day better!

    Reply
  28. Vikram

    Just applied for Regalia yesterday. They offer it LTF if you apply for an add-on card or make one transaction through PayZapp within the first 90 days. I applied for an add-on card. I was confused between Citibank Premier Miles and Regalia, opted for Regalia since it was free anyway.

    The problem is I want a no nonsense card and want to basically just move all my debit card expenses to primary and add-on card, concentrate all expenses in one place. I have never used a personal credit card before (except for Corporate cards) but I realize I can still stand to earn some more through reward points even I was to not chase them intentionally. Shall I go with Citibank Premier Miles or stick with Regalia? I do use Big Basket and Amazon a bit more than anything else and Regalia does have 5x / 10 x points but I am not sure if Smartbuy offers the same convenience as shopping through Amazon app for example.

    Reply
    1. AS

      A citi card is good to have if you shop regularly on BigBasket. If not PM, you can get entry level one with fee waiver on spending Rs. 30k in a membership year to avail all Citibank offers.

      Reply
  29. Satish Kumar Agarwal

    I have Citibank Cashback card. For bigbasket Citibank 20% offer every month 1st to 5th day is among the best. For amazon Regalia via smartbuy is very good. Citi also runs frequent offers on amazon.

    I suggest better keep Regalia and apply for any basic citibank card among Cashback, Rewards or Indian Oil variant just to use their often good merchant offers. They don’t charge fee on above variants if spent 30K within year, which is damn easy.

    Reply
  30. Ravindra

    I am planning to upgrade from Regalia to Diners Black. What happens to Milestone based reward points (10,000 for spending 5 lacs and 15,000 for spending 8 lacs)? I recently completed spending 5 lacs but 10,000 reward points haven’t been added yet. Are they added only after completing the Anniversary year? Will I lose them if I upgrade now without completing anniversary year?

    Reply
    1. Siddharth Post author

      Are they added only after completing the Anniversary year?
      Used to. But now, they’re doing monthly. Check after a month or write to support.

      Reply
      1. Ravindra

        Update: I got them without completing the anniversary year. Hoping to get approval for Diners Black. Have been using Regalia for 2 years 8 months.

        Reply
  31. Joseph

    Tried to access the new Earth lounge at the spanking new domestic terminal at Kochi using MC regalia. Was denied saying that regalia does not have access although they were welcoming other MC credit card holders. Any idea why?

    Also Sid a review of the new Earth lounge is in order. Hoping to see one soon…

    Reply
    1. Sharathkumar Anbu

      HDFC have revoked most of the lounges.

      You may look at the current allowed lounges for Regalia Master card at hdfcbank.com/assets/pdf/MasterCardLounge.pdf

      Reply
      1. Siddharth Post author

        This list was prepared as many seem to ask mastercard variant instead of Visa, just by looking at big list or by reading the blog 😀

        So now they’ve made single list for Visa/MC. Just ignore this list.

        However, Regalia doesn’t work at some lounges temporarily, maybe as too many are holding it.

        Reply
        1. Sumeet Gupta

          Rupay platinum or rupay credit will work there instead of regalia?
          They have the same list of lounges as MasterCard, or even more.

          Reply
  32. Shivi

    An acquaintance has got HDFC solitaire credit card with 8 Lakh limit on a 12 Lakh ITR under Preferred Programme with high NRV and HDFC is still refusing to upgrade her to Regalia!

    Reply
  33. Harjeev anand

    Hello siddarth
    My Annual spend is 20 lakhs
    Which card you would suggest amongst HDFC REGALIA AND AMEX GOLD CHARGE in terms of overall benefit
    please ignore the annual charges as they will get waived

    Reply
  34. Sarthak

    Hi Sid,

    You’ve mentioned about “4 RP for every 150 INR Retail Spends” on Regalia. What qualifies as “Retail Spends”? How many reward points will one get on spends other than “Retail Spends”? Even HDFC bank mentions this “Only valid Retail purchases qualify for Reward points”. I think this is quite confusing. Will I not get reward points for bill payments?

    Thanks in advance!

    PS: Recently got upgraded to business regalia from business regalia first.

    Reply
  35. Joseph

    Is the pin for all the add on cards same as the primary card? Just received 3 add on cards. If not how to set pin? All cards have the same number…

    Reply
  36. Mayank

    Can I redeem my points on regalia to miles? If yes, then what is the conversion ratio and how to do it?

    Reply
    1. AshishR

      200 regalia points = 100 jpmiles/krisflyer

      can be done from netbanking or customer care

      Reply
  37. Jannavi

    No doubt card will accumulate lot of points and has benfits.But when you try to book flight using it,there are lots of issues on the website.Middle name with initial as single alphabet is not accepted (looks like i have to change my name according to the webiste’s format and change in all official documents!),DOB field is greyed out even though it is mandatory,does no action on applying voucher code.In short service is THE WORST!Highly not recommended

    Reply
  38. Manoj

    I got my first credit card (Regalia First) in November 2018. I’ve accumulated about 15k points, but seeing the low points value, I want to upgrade to Regalia.

    1) With a 9L salary, am I eligible for Regalia?
    2) Will my reward points get transferred to Regalia?

    Reply
    1. Satish Kumar Agarwal

      @Manoj

      Minimum time of 6 months is required for upgrade request.
      1. No (Min. 1.2 lacs salary pm required)
      2. Yes, on proportionate basis (i.e. 5:3 ratio)

      Chances of upgrade depends upon several factors like NRV with bank, Savings balance, FD etc.

      Reply
    2. Himanshu

      Manoj,

      Income is one of the criteria to upgrade to regalia. My income is half of yours. Few days back i got auto offer. My spends were very high along with preffered relationship both help system to get triggered. Hope this helps!

      Reply
      1. Captain Bishuddha Bharatiya

        Himanshu how old is your card and how much is your annual spends ?
        How much money you maintain in your preferred ac. and do you have any other investments ?

        Reply
        1. Himanshu

          Regalia first was 2 yr old card. Annual spends over 8L+ .
          Account balance is around 2.5 lacs. No other investment.

          Reply
  39. Anon

    Hi, i am looking to get a credit card for online purchases and occasional online travel, and fuel. What brand (hdfc, amex) and which card (regalia first ) would you recommend? My salary around 23 l, so for the above mentioned headings, what producta should be looked at?

    Reply
    1. Mayank Goel

      I am having HDFC regalia first credit card and using the benefits of smartbuy for online shopping on Amazon and Flipkart. Recently, I booked my flights and hotels using smartbuy only as 10X offer was too good to miss. Hence, I was unable to utilize my rewards points on HDFC regalia first card.
      For fuel spends I am using SC titanuim value credit card. Since my fuel usage is less i.e. from home to metro station, it is suitable for me.
      For wallet loading and all other usages I am using Amex MRCC. In case some shop don’t accept AMEX, I use HDFC regalia first credit card.
      I also have SC Manhattan and Yes Bank prosperity edge credit cards. They are only for backup as they are LTF.

      Reply
    2. Amex Guy

      You qualify for DCB. Get a DCB and shop via Smartbuy. Stick to Amex for fuel, or get a fuel card depending on your favourite pump.

      Reply
      1. Himanshu

        Amex guy,

        How to qualify for DCB? I am holding regalia and prefered status at HDFC. Annual spends over 10L on the card.

        Reply
  40. Prashant Gupta

    Completed 5L milestone and got the 10k points also within 2 days of transaction.

    Reply
  41. The newbie

    Is a bank account with HDFC required for regalia ? I applied online but the lady on the other side tells me that a savings bank account is absolutely necessary for Regalia. They are ready to give me Regalia First (1.5L limit) without savings bank account.

    I have 28 L Base salary and hold Kotak Signature ( 4.5 L limit) and Amex Rewards ( 2L limit).

    Reply
    1. Prashant Gupta

      You qualify for Diners Black. Have heard about this recently from a RM in bank when i wanted to upgarde my wife’s regalia to diners black. Anyhow i have sent the upgrade form to chennai.
      U can open the account and close it after few months if they are admant, thats what i told the RM what’s the use if i close after 2 months.

      Reply
    2. Himanshu

      Newbie,

      No, i don’t think so. Tho i am hdfc account holder but many do not hold. Maybe lady is misguidng. Check with other hdfc guy.

      If you have 28L salary. Straight away apply for Diners Club Black.

      Reply
    3. Shivi

      Depends on the place of issue. Only the HDFC bank branch would be able to give you that answer.

      Reply
  42. Joseph

    Does the PP come with a validity period. Or is it valid as long as I hold regalia cc?

    Reply
    1. Satish Kumar Agarwal

      Dear Joseph
      PP issued on Regalia has a validity of 3 years from issue date.

      Reply
      1. Joseph

        So what happens after 3 years? Is it renewed or does the offer expire.

        Reply
        1. Satish Kumar Agarwal

          Joseph
          No idea man, bcoz still 1.3 year old relation with HDFC, so can’t say that.
          Old HDFC Regalia holders may advice better or you can always talk to customer care.

          Reply
  43. Raj

    Just got my HDFC regalia card (via auto upgrade from LTF all miles during renewal)

    Is there any welcome offer / bonus if some txns done in first 90 days or similar? Please guide

    Reply
  44. Gokul

    Thanks Sid for this wonderful blog. I have started using Credit card after reading this blog in 2018, collecting Air miles, Hotels reward points. I go for business travel to SFO/SEA/China every 3-4 months and stick to Singapore airlines whenever possible and last year alone I have collected ~1.3 lakh Krisflyer(which is equal to 3 round trip MAA-SIN economy tickets & Krisflyer Gold membership). I used to stay in different Marriot Properties(JW, AC, Westin, Sheraton, Courtyard, Aloft…) and and collected ~1.5lakhs Marriott rewards(Platinum member). Before reading this blog, I am not aware of these benefits and not bothered to register for any membership. In 2018, with Regalia spent around ~12 lakhs(Personal expense) and got ~2L points and with Amex MRCC, I have received 24 Carat statement credit.

    Much thanks to you and your knowledge sharing.

    Unfortunately, my company brought in Corporate Card policy last year. If I would have read your blog in 2017, my spending would be around ~40lakhs in my personal CC(Each trip expense is around ~7-8 lakhs excluding Air fare).

    Reply
    1. Karthik

      even if you use corporate card for payment, I guess you can get airline loyalty points when booked directly.

      Reply
  45. Sree

    Can i get my moneyback card upgraded to LTF Regalia? Been using this card since 2009 and my current limit is 3.4 lacs. Avg monthly spend of 30 to 40k

    Reply
    1. Ganesh

      Yes Just send physical form to Chennai office with request for upgrade and limit enhasment

      Reply
  46. Dr Chirag

    Hello Siddharth. I recently got upgraded to Regalia from Regalia first. When I received Regalia first CC, i received a separate Priority Pass card. I haven’t received it with Regalia. Do I have to apply separately or can i just swipe my HDFC Regalia card for complimentary lounge visit?

    Reply
    1. Satish Kumar Agarwal

      @Dr Chirag

      Swipe your Regalia card for domestic lounges. Priority Pass is required only for International lounge access.
      If you want Priority Pass for Regalia, call hdfc customer care for the same.

      Reply
    2. Shivi

      You need to swipe/use your Regalia thrice before requesting a PP card.

      Reply
  47. Harish

    Hi

    I have been offered for a card upgrade from regalia first to regalia and that’s why I landed here when I was trying to find about the benefits. There is an offer for an annual fee waiver of 2500 for regalia, which is to add any utility bill through smart pay and pay for 3 months. This should give me free lifetime membership. Just wanted to check here from experts if this is correct? Also, why redeeming points for getting items available in redemption considered not worth it as compared to flight/hotels?

    Reply
    1. Shivi

      @ Harish – The LTF offers vary from customer to customer so just read the TnC of the card application form. Redeeming points against hotels/flights give you more value compared to redeeming against items.

      Reply
  48. Kanji Dhanoya

    I have take HDFC credit card from last one year, i was issued in customer care service and hidden charges and no information provided from sent and customer care then finally statement was full of charge, so I was finally

    Reply
  49. Shikhar Makkar

    Hello everyone,

    I upgraded from Regalia first to Regalia last year in November, 2018 after holding Regalia First for more than an year, got it in August, 2017. After upgrading, the rewards from Regalia first were transferred to Regalia. How does it affect the validity of my reward points after transfer? Will they expire in August, 2019 or November, 2020?
    Thanks!

    -Shikhar

    Reply
  50. Ankit

    The card has a spend based offer of 10K points for spending 5L before renewal. My card is due for renewal but I don’t know how much I am short of the spend. Few months ago it was showing it in my netbanking portal, not anymore. Anyway to check how much have I spent ?

    Reply
      1. Ankit

        i hung up after 20 mins of “your call is important for us” 😀
        dropped them a mail yet to receive a response

        Reply
      1. Ankit

        like seriously, skimming through 3years of mail even if search is easy 😛

        Reply
        1. Shivi

          Not 3 years. Just past 1 year. Monthly statements. Easy to access and add.

          Reply
  51. Chintan

    I downloaded this new form from HDFC to upgrade my Dad’s Business MoneyBack card to Business Regalia Card. HDFC has now removed Life Time Free Option from the Form. Can anyone confirm whether we can still convert a credit card to Life Time Free through Add On card and Standing instructions or I am late to grab the offer now.

    Reply
    1. Rahul Sharma

      As per my conversation with customer care and HDFC branch RM the card is not being offered lifetime free. Post devaluation of Yes First Preferred, I wished to convert my existing Regalia First to Regalia.

      Reply
      1. Himanshu

        You can get for FYF (First year free) and then Spend 3L on regalia for fee waiver.

        Reply
  52. Mickey

    Has anyone upgraded recently from R First to Regalia? Does HDFC consider high CIBIL and good spends?

    Current limit on my R First is 1.85 only. I have good spends, CIBIL of 820, ITR of 12.5. But CU % is always high around 60%.

    Not sure if HDFC would consider my request for upgrade

    Reply
      1. Ravi arya

        Hey Sid,
        First of all thanks to you and your website. I have learned a lot about how to use credit cards efficiently. I have a query and need your guidance, is there a way to get both Regalia and DCB. I am a holder of Regalia for the past 2 years and I have an opportunity to get it upgraded it to DCB. But i need Regalia as well due to its benefit for addon card. (Free lounge access +PP).
        Thanks

        Reply
        1. RM

          As long as you have a limit of over 4 lacs on the regalia, it’s possible to get both regalia and dcb. They will just split the limit keeping 4 lacs for DCB and rest for Regalia.

          Reply
          1. Ravi arya

            Thanks @RM. Ido have 4+ limit on Regalia. I will try to get to get them do the splitting as suggested by you.

          2. BGL

            My colleague who has a little over 4 lacs credit limit on his Regalia card, his numerous attempts to get DCB as a co-card with Regalia have not been successful with about 3 sales executive including his original sales team. They either feign ignorance or say it’s not possible now. Since he has no relationship with HDFC bank maybe he has no RM who could help him out.

    1. Himanshu

      I upgraded from R. First to Regalia two months back . My spends were high. Also i have preferred savings account with the bank they do consider high spending and cibil.

      Try sending form to chennai for LE+ upgrade if you are not getting offers. . As your ITR is 12 lacs they will easily give regalia.

      Reply
    2. Vineet

      Well i had been using REGALIA FIRST for a year and a half. My spends would have been approx 2 to 2.5 lakhs. Had accumulated 35000 points and redeemed it for a voucher of approx 11000 rupees which is used to get a discount on my flight to Bali.
      Post that I sent a upgrade form to their Chennai office along with my ITR and salary slip. Was upgraded to LTF REGALIA. No phone call or questions asked. Just got an sms and email after 5 days informing me of the change

      Reply
      1. Nandhakumar

        How much old limit and how much get new limit and itr value

        Reply
  53. BasantP

    Dear Siddharth

    I hold a HDFC Regalia CC for last 6-7 years with CL of about 8 lac. Also got Priority Pass for lounge access. Now I need one PP for my wife for use when we both travel abroad together.

    Should I take an add on CC for my wife on my Regalia or go for Regalia First for her. She is a housewife with FD of over 40 lac in other banks.

    One more Q, is there any Debit Card which gives international lounge access through complimentary PP membership?

    Reply
    1. Anvesh

      Just take an add on card. Make a few small transactions on the add on card within 45 or 30 days and then request for priority pass for add on card.

      Reply
  54. Captain Bishuddha Bharatiya

    Vineet congratulations. How much is your income if I may ask ?

    Reply
    1. Vineet

      Well I am a doctor in a government hospital in delhi[ AIIMS] so I get around 130000 pm. My spends are not much. Maybe around 20k to 30 k in a month through credit cards unless I am taking a trip abroad.

      Reply
  55. Mickey

    Vineet you spent only 2.5 lakhs in 1.5 years and got upgraded??

    Reply
    1. Vineet

      Yeah and that also without any hassle. I read that the requirement is 12 lakhs per annum salary and my ITR was a few lakhs above that. Plus I have been regular in all payments. Maybe that helped

      Reply
  56. Prashant

    Hi Siddharth,

    I was using HDFC jet platinum card for last 3-4 years and now I have recently got a call from HDFC chennai team to get an upgrade to Regalia or DCB.
    I am already using Citi PM card for travel purpose. Could you please help suggesting out of DCB & Regalia, which card gives more benefits in terms of travel & hotels.

    Reply
    1. Prashant Gupta

      DCB is the best as of now of all the cards. You should go with DCB. Check out the respective article on DCB on the blog.

      Reply
  57. Hardik

    @prashant I would suggest without any second thoughts go with dcb! Congratulations in advance for getting a super premium card!!

    Reply
  58. Captain Bishuddha Bharatiya

    Himanshu how much was you limit in Regalia first and now how much limit you have in Ragalia ?

    Reply
  59. Amit

    Hi Siddharth ,

    I applied for regalia via Branch executive. Met all conditions of card like an existing savings account, Salary, CIBIL score of 800+ but the card was declined.

    Somehow didn’t get a satisfactory response other than Policy guidelines. If I try to apply via Netbanking, I got the message “hdfc internal guideline e1002”.

    I had HDFC Platinum card, which I see in Netbanking and stopped using it after it got expired and never received renewed card.

    Any idea on “hdfc internal guideline e1002” ? Something negative on my profile ?

    Reply
  60. Karthik

    My last tax filing was for 14.4L and when I file in June it would be above 18L.
    I already have a money back card with a 3.68L limit
    Unfortunately my salary account is with icici
    I got a lifetime free upgrade option for Regalia first which I missed to apply last Aug.
    My spends in hdfc are low as I use sbi simply click for online and yes preferred for offline
    Is shifting my salary account the only way to get this card?
    The RM asked me to cancel my money back card and apply a fresh regalia first through her and then get a free upgrade to regila 6 to 12 Months down the line. Reluctant to do it.

    Reply
    1. Bhavya

      Don’t cancel the moneyback card instead you can apply fresh for regalia using your salary slips. Cancelling the moneyback card would lower your cibil score.

      Reply
  61. Parag

    Which variant of Mastercard is provided by HDFC for Regalia? Basic MC/ Platinum MC/ World MC?

    Reply
    1. Satish Kumar Agarwal

      @Parag
      Regalia/Regalia First– Both on MC World/ Visa Signature platform

      Reply
      1. Captain Bishuddha Bharatiya

        Dear Himanshu,
        Recently you got upgraded to Regalia. Can you please answer some questions regarding it if you are okay with it .
        1. How much was your annual spends on Regalia First ?
        2. How old was your card ?
        3. How much money you maintained in your preferred ac. and do you have any other investments or loans with HDFC. Please explain in details ?
        4. If it was requested by your end than can you please tell us what was your ITR amount ?
        5. What limit you had in R. First and what limit you have now in Regalia ?
        6. Any suggestions for someone who wants to upgrade from R. First to Regalia ?
        I apologise if questions are too private.

        Reply
        1. Sudarshan

          I also got card upgraded from Regalia first to Regalia.
          1. My spend approx 2 – 2.5 lakhs uptill now from oct 2018.
          2. My card was 3 years old.
          3. I dont have preferred banking (classic banking).
          i have home loan and top-up loan with HDFC ltd .
          4. i have mailed the application form for the upgrade to chennai office.
          5. my credit limit was 3,52,000 and same limit has been given for Regalia.

          I had diverted all my spends to HDFC regalia first and HDFC group companies like
          HDFC ergo and HDFC life for insurance, home loan with HDFC ltd etc.

          Reply
        2. Himanshu Kainth

          Captain,

          1) Around 7-8L annually
          2) 1.5 years
          3) Not much. 1 to 1.2L balance
          4) Got offer via net-banking. ITR was too low.
          5) The limit was sufficient to upgrade to regalia. Only Card upgrade no LE.
          6) As everyone says HDFC treats every customer differently. Try to increase the relationship with the bank and spend well on the card. Always keep good credit behavior. That’s all.

          Reply
  62. Parantap Chowdhury

    Hi,
    I have just been offered an upgrade from Regalia First to Regalia and have decided to take it up. I had a few questions if anyone could answer:

    1) I have crossed the 6L spend threshold for additional (5K+7.5K = 12.5K RP) on the Regalia First but since these are credited at the end of anniversary year and I have already upgraded my card, do I miss out on these points?
    2) Is there anyway the annual fee of Rs 2500 can be waived off?
    3) I tried to check for a limit enhancement offer from netbanking but did not find any (I have crossed 6+ months and have over 6L of spends) Is there any other way I can get my limit enhanced?

    Appreciate any help on this.

    Reply
    1. Prashant Gupta

      I got the milestone in next statement and not at the end of the year. In fact as i was looking for black upgrade i called cc to credit the points. I got the points and then I upgraded the card.

      Reply
    2. Sudarshan

      Dear Parantap,

      1. This is condition given for reward points under annual spend benefits. so i do not think u will get the additional reward points on upgraded card.
      (If there was a spend aggregation benefit applicable on the old variant, then customer will no more be eligible for the feature on the previous product).
      2. There is free upgrade of my card.
      3. U can try contacting to your RM or through branch u can request for CL enhancements.

      Thanks and regards
      Sudarshan

      Reply
    3. SG

      A lot of people, including me, had the Regalia for LTF before I upgraded to DCB. It helps if you have an RM to talk to.

      Reply
  63. Abby

    I hold a regalia card and have recently made my parents + spouse as add on members to the same.
    Now i will be requesting hdfc to issue a Priority pass for all of us (4 PP).

    Please suggest what are the limitations to using these PP when we all are travelling together (Domestic/Intl)?

    Query 1: If myself and my wife are travelling can we both use our PP at the same lounge the same data same time?
    Query 2: My parents are flying from Delhi to Europe next month. Will they be able to use their PP at Delhi T3 lounges before flying?

    Thanks
    Abby

    Reply
    1. Satish Kumar Agarwal

      @Abby
      Your parents will be able to use addon PP at Delhi T3. Only thing is that you will be charged $27 for each Swipe at domestic lounges even if its in international terminal within India. Better use eligible Master or Visa cards for domestic lounges. PP is only for lounge access outside India.

      Reply
      1. Abby

        @Satish

        Thanks for your reply.

        So i guess the Regalia add on card in my parents name should give them FREE access to the Plaza premium lounge at T3 New Delhi before their departure to Europe ?

        Same way during their return they should be able to use their add on PP at a European airport again for FREE access to airport lounge from where they catch their flight back to Delhi ?

        Please correct me if i am wrong.

        Reply
        1. Satish Kumar Agarwal

          @Abby
          I don’t think addon Regalia will give domestic lounge access. Addon PP will give them international lounge access.

          If your parents don’t have any credit card that gives domestic lounge access, better try debit cards as some of them have this facility too.

          Reply
          1. ARR

            Hi all,
            Regalia Card gives lounge access to all the add on card holders also. They count the no.of access cumulatively. My wife and me have accessed the plaza premium in Hyderabad and Delhi as well recently. They permitted my child (4yrs)without any problem.

    2. Addy

      Ans to query1: yes u will be able to use both priority passes at the same time. Only thing u need to check how many times u can use the card per quarter.

      Reply
  64. Suhas

    I recently got upgraded to Regalia after attempts to upgrade my regalia first to DCB. I have one doubt regarding the Priority Pass. Can the old priority pass continued to be used or should i apply for a new Priority Pass card.

    Reply
  65. Ibrahim

    Sir I have a regalia first since February 2019 with CL 1.5L and I have spent around 6L from February 2019. I want to upgrade my card to regalia. But I don’t have any offer yet. Sir how can I have the offer.

    Reply
  66. Abby

    My sister living and working in Europe has a monthly salary of approx 33 lacs ( when converted to INR) per annum.

    She has a new born kid and will usually be travelling to India quite frequently from next quarter.

    What cc do you guys suggest i can get her at this salary so that she can avail the best facilities possible at the airport lounges preferably without any limits?

    Reply
  67. Prashant Gupta

    She can try for Hdfc regalia card…and also yes first prefered… for lounge access.

    Reply
  68. Rhidhima Bahl

    Right now i possess regalia first cc which was upgraded from platinum in January 2019 with cash limit 150000.
    My spends since January is around 7 Lakh. I want to upgrade it DCB or Regalia. How can I do that.
    No option yet through net banking.

    Reply
    1. Prashant Gupta

      Rhidhima download the card upgrade form from the hdfc website and send to the chennai office and then follow up on email with them

      Reply
      1. Rhidhima Bahl

        Thanks@Prashant, is there any option to maximize the chances of auto update. I mean through net banking I can have it. For this how I have to do the spends.

        Reply
  69. Mickey

    That’s a good question Rhidhima – following this post!

    Reply
  70. Mickey

    Do they consider for upgrade if you have EMI’s running on the card like Amazon EMI etc?

    Reply
  71. Addy

    Hi members

    I am holding regalia for last 3+ years (recently renewed) with a limit close to 7 lakhs i tried to upgrade to dinners black but request got rejected (sent docs to chennai office). I dont have any other relationship with hdfc (cc member since 2010) and in last one year my spends are around 4.5 lakhs on this card. All of my credit scores are way over 800. May you suggest any solution that i can get a chance to upgrade (last time i applied in dec 2018).

    Thanks

    Reply
  72. Mickey

    I have also spent more than 6L in 6 months on my RF card, but not received any upgrade offer.

    No RM.. cibil above 800.. all timely payments. How does it get triggered on their systems? Do open EMI’s have a negative effect for upgrade by any chance

    Reply
  73. Mickey

    Also how will the cards division know if I’m a HDFC insurance customer as well?

    Trying to figure out how the upgrade option gets auto triggered

    Reply
  74. Avinash N S

    Dear Sir,
    Currently i am using regalia first which got upgraded from moneyback since march 2019. Is hdfc credit cards give additional points for paying bills as like SBI prime card. How to get LTF regalia card, my usual spends will be around 3l to 4l per annum.

    Reply
  75. Chintan

    Is Business Regalia Eligible for SmartBuy 10x as it isn’t mentioned clearly anywhere in terms and conditions, i am aware Business series of cards has separate partners list, but what about SmartBuy?

    Reply
  76. Sanjay Chakravarty

    I am considering the HDFC Regalia. But I just checked on their website that e-wallet loads will not be considered for reward points! That takes much of the shine away, as I spend 20K every month through Paytm and Amazon Pay. Is it still worth it to go for the card, even if free?

    Also, unlike SBI Signature, reward points vanish after 2 years

    Reply
  77. Mickey

    Vistara Silver membership has been withdrawn so much of the shine from Regalia goes. Except for more lounge visits, now there is no major difference now between Regalia First and Regalia.

    Reply

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