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!


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


  • 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.


  • 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 ( 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.


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,


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

A Credit Card freak minting reward points and cashback for years, started adding Airmiles in recent times. Obsessed with aviation, airport lounges and luxury travel at affordable cost.

50 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.

  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

    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!

  2. Poorna

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

  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.

    1. Hari

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

  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?

    1. Prashant Gupta

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

    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.


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


    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.

  6. Rohit

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

  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?

    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.

      1. AshishR

        there are 12 complimentary domestic lounges shared between primary and addon

          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.

    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.

  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
    Kotak Privy League Signature


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

  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?

  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?

    1. Himanshu


      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.

    1. Satish Kumar Agarwal


      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.

  13. 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.

    1. Mickey

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

    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

  14. Ali

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

    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.

      1. Ali

        thanks for the reply

        travel benefit wise is regalia better or citi PM ??

        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.

  15. Ameet

    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??

    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.

      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.

  16. 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!

    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.

  17. 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

      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.


    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 .

  19. 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.


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