HDFC Bank

HDFC Regalia

VISA

🇮🇳 India · HDFC Bank

HDFC Regalia

Name: HDFC Regalia
Brand: HDFC Bank

Mid-tier travel without the Regalia Gold price tag.

No longer open to new applicants

HDFC Bank no longer accepts new applications for the classic Regalia and now offers Regalia Gold instead. Existing cardholders can keep using and renewing the card.

source

4.3 / 5

Joining fee

₹2,500

Annual fee

₹2,500

Top reward

2.7%

Min income

₹1,200,000

No longer open to new applicants← Back to all cards

The HDFC Regalia costs ₹2,500 a year, waived at ₹3,00,000 annual spend. It earns 2.7% on all spends. Forex markup is 2%. It is no longer open to new applicants. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much HDFC Regalia actually pays you over time, net of annual fees.

Your monthly spend₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹16,200

Annual fee₹0 (waived ✓)

Cumulative net value

+₹81,000

over 5 years

Year 1

₹16,200

+₹16,200/yr

Year 2

₹32,400

+₹16,200/yr

Year 3

₹48,600

+₹16,200/yr

Year 4

₹64,800

+₹16,200/yr

Year 5

₹81,000

+₹16,200/yr

Year 1 (with bonus)

₹16,200

Year 2+ (steady state)

₹16,200/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the HDFC Regalia earn?

What you earn back, by category.

Everything else

2.7%

📈

🎁

Welcome bonus

2,500 reward points on first 90-day spend

What do you get with the HDFC Regalia?

4 reward points per ₹150
12 domestic + 6 international lounge visits/year
Low forex markup 2%
Buy-1-get-1 BookMyShow tickets
Milestone reward points at ₹1L, ₹5L

Who qualifies for the HDFC Regalia?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

₹1,200,000

Min credit score

770+

Self-employed

Eligible

How does the HDFC Regalia compare?

HDFC Regalia vs HDFC Regalia Gold HDFC Regalia vs ICICI MMT Signature HDFC Regalia vs HDFC Marriott Bonvoy HDFC Regalia vs ICICI Sapphiro

Compare any two cards

HDFC Regalia FAQ

›What is the HDFC Regalia annual fee?

The annual fee is ₹2,500. It is waived if you spend ₹3,00,000 in a year.

›What does the HDFC Regalia earn?

It earns 2.7% on all spends.

›What is the HDFC Regalia forex markup?

The HDFC Regalia charges 2% forex markup on foreign-currency spends.

›What income do you need for the HDFC Regalia?

The stated minimum income is ₹12,00,000 a year. Banks treat this as a guideline, not a hard cutoff.

›What is the HDFC Regalia welcome bonus?

2,500 reward points on first 90-day spend.

›Can you still apply for the HDFC Regalia?

HDFC Bank no longer accepts new applications for the classic Regalia and now offers Regalia Gold instead. Existing cardholders can keep using and renewing the card.

›Are these HDFC Regalia figures verified?

These figures are from our catalog and have not yet been re-verified against the issuer.