all cards
mid-tierpointsHDFC Bank · Visa
HDFC Bank Regalia Credit Card
Base 4 RP per ₹150 (~2.66%). SmartBuy up to 5X on travel categories. Older Regalia variant — Regalia Gold is the more recent refresh with better category accelerators.
what it costs
| joining fee | ₹2,500 |
|---|---|
| annual fee | ₹2,500 |
| how to dodge the fee | Annual fee waived on ₹3,00,000 spend in the preceding anniversary year |
| forex markup | 2.0% + GST |
how you earn
every ₹100 you swipe earns you points in Regalia Reward Points.
| default | 2.66× / ₹100 |
|---|---|
| travel | 13.3× / ₹100 |
freebies
| welcome gift | 2,500 Reward Points on payment of joining fee |
|---|---|
| spend ₹5,00,000 | 10,000 Reward Points |
| spend ₹8,00,000 | 5,000 Reward Points (incremental) |
where your points fly
move points to these airlines & hotels at the ratio shown (lower = better).
- Singapore Airlines KrisFlyer2:1
- Air France-KLM Flying Blue2:1
- British Airways Executive Club2:1
extras
| domestic lounges | 12/year (max 3/quarter, spend-based condition applies) |
|---|---|
| international lounges | 6/year via Priority Pass |
| who can apply | Salaried net monthly income > ₹1L, or self-employed ITR > ₹12L p.a. |
want it?
all numbers checked against the bank's page on 2026-05-28. apply links may carry an affiliate tag — see our disclosure.