HDFC Bank review
HDFC Regalia
Premium travel + lifestyle rewards
4.3/ 5Credit Card
Pricing confirmation pending — verify on the official site before acting.
Joining fee
₹2,500
Annual fee
₹2,500
Rewards
4 Reward Points per ₹150 (~₹1/point on travel via SmartBuy)
Overview
HDFC Regalia is a popular premium card with lounge access, travel redemptions and milestone rewards — often the default upgrade pick in HDFC's lineup.
Best for: Frequent domestic travellers who spend inside HDFC's ecosystem.
Benefits & caps
lounge
Domestic lounge access: 6 complimentary visits/year
Cap: Quarterly caps apply
travel
Travel redemption: Up to 1:1 value via SmartBuy
Cap: Partner-dependent
Pros & cons
What we like
- Complimentary lounge access
- Strong travel redemption via SmartBuy
- Milestone vouchers
Watch out for
- High ₹2,500 annual fee
- Rewards devalue outside travel partners
- Forex markup ~2%
Eligibility
Salaried, typically ₹1L+/month income; HDFC relationship helps.
Also consider
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