CardIntel Canonical Product Family
HDFC Bank Regalia Credit Cards
India's benchmark premium travel and lifestyle credit card suite.
The HDFC Bank Regalia family represents the benchmark in Indian premium credit cards, delivering airport lounge access, accelerated flight/hotel bookings via SmartBuy, and gold-standard milestone privileges.
CardIntel Canonical Architecture Note: Core proprietary credit cards issued directly by HDFC Bank Limited under official RBI credit card guidelines.
3 Product Tier Variants
Jump to Full Variant Comparison
HDFC Bank Regalia Credit Card
Official credit card issued by HDFC Bank. Verified against official MITC filings.
Annual Fee
₹4999
Forex Markup
3.50%
Network
Visa
Rewards
Reward Points
HDFC Bank Regalia Gold Credit Card
Official credit card issued by HDFC Bank. Verified against official MITC filings.
Annual Fee
₹2500
Forex Markup
3.50%
Network
Visa
Rewards
Reward Points
HDFC Bank Regalia Activ Credit Card
Official credit card issued by HDFC Bank. Verified against official MITC filings.
Annual Fee
₹4999
Forex Markup
3.50%
Network
Visa
Rewards
Reward Points
Full Deterministic Variant Comparison
Compare HDFC Bank Regalia Series Variants & Specifications
Full specification comparison across fees, reward return schedules, airport lounge access, UPI support, and eligibility criteria.
| Specification / Metric | HDFC Bank Regalia Credit Card | HDFC Regalia Gold | HDFC Bank Regalia Activ Credit Card |
|---|---|---|---|
| 1. Product Identity & Network | |||
| Official Product Name | HDFC Bank Regalia Credit Card | HDFC Bank Regalia Gold Credit Card | HDFC Bank Regalia Activ Credit Card |
| Legal Card Issuer | HDFC Bank(BANK) | HDFC Bank(BANK) | HDFC Bank(BANK) |
| Payment Network | Visa | Visa | Visa |
| Form Factor | Physical + Virtual | Physical + Virtual | Physical + Virtual |
| 2. Fees & Spend Waivers | |||
| Joining Fee | ₹4999 + GST | ₹2500 + GST | ₹4999 + GST |
| Annual Renewal Fee | ₹4999 + GST | ₹2500 + GST | ₹4999 + GST |
| Renewal Waiver Rule | Waived on annual spends of ₹5,00,000. | Waived on annual spend of ₹4,00,000 or more in the preceding year. | Waived on annual spends of ₹5,00,000. |
| 3. Rewards & Cashback Return | |||
| Reward Currency | Reward Points | Reward Points | Reward Points |
| Base Reward Rate | 1-2% return on retail spends | 1-2% return on retail spends | 1-2% return on retail spends |
| Accelerated Multipliers | Partner merchant tier benefits apply | Partner merchant tier benefits apply | Partner merchant tier benefits apply |
| Monthly Reward Capping | Subject to standard category fair-use caps | Subject to standard category fair-use caps | Subject to standard category fair-use caps |
| 4. Travel, Lounge & Forex | |||
| Forex Markup Fee | 3.50% | 3.50% | 3.50% |
| Domestic Lounge Access | 8 visits/yr | 12 visits/yr | 8 visits/yr |
| International Lounge | Priority Pass standard rates apply | Priority Pass standard rates apply | Priority Pass standard rates apply |
| 5. UPI Payments & Utilities | |||
| RuPay UPI QR Support | Not Available (POS/Online) | Not Available (POS/Online) | Not Available (POS/Online) |
| Fuel Surcharge Waiver | 1% waiver (spends ₹400 – ₹5,000) | 1% waiver (spends ₹400 – ₹5,000) | 1% waiver (spends ₹400 – ₹5,000) |
| 6. Eligibility & Underwriting | |||
| Minimum Monthly Income | ₹25,000 to ₹50,000/month | ₹25,000 to ₹50,000/month | ₹25,000 to ₹50,000/month |
| Recommended CIBIL Score | 720+ | 720+ | 720+ |
| Card Terms & Review | Full Card Specs | Full Card Specs | Full Card Specs |
100% verified against official banking MITC filings and partner regulatory schedules.
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