Joining Fee:
Apply Now₹2500 +GST
Return Percentage:1% to 3%
Credit Card Overview
A flagship premium lifestyle card offering global lounge access, concierge services, milestone vouchers, and high reward rates on travel and dining.
Best Suited For: Experience, Travel Booking, Hotel Transfer, Pay by Points
HDFC
Fees and charges at a glance
- Annual fee
- ₹2,500
- Joining fee
- ₹2,500
- Reward rate
- 1% to 3%
- Forex markup
- 3.5%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
HDFC Regalia credit card — Earn Categories
Where you earn more
- Jockey via SmartBuy40 reward points / ₹200
A maximum of 2,000 accelerated RPs can be earned per day and 4,000 accelerated RPs can be earned per calendar month. · Minimum ₹200 per transaction
- Hotels via SmartBuyOnline · E-Commerce40 reward points / ₹200
A maximum of 2,000 accelerated RPs can be earned per day and 4,000 accelerated RPs can be earned per calendar month. · Minimum ₹200 per transaction
Everyday rate
- Base Rewards4 Reward Points (reward points) / ₹200
Minimum ₹200 per transaction
9 more earning categories on this card
We track all 12 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Packers & Movers
- Fuel
- EMI
- Government
- Wallets
- Rent