HDFC Regalia Credit Card Review 2025: Benefits, Fees & How to Apply
Complete review of HDFC Regalia Credit Card with detailed analysis of rewards, lounge access, fees, and eligibility. Expert insights on maximizing benefits.
Key Features & Benefits
Fees & Charges
| Joining Fee | ₹2,500 + GST |
| Annual Fee (from 2nd year) | ₹2,500 + GST (waived on ₹3L annual spend) |
| Add-on Card Fee | Nil |
| Finance Charges | 3.49% per month (42% p.a.) |
| Late Payment Fee | Up to ₹1,300 |
| Over Limit Fee | ₹500 |
| Foreign Currency Markup | 3.5% |
Eligibility Criteria
How to Apply
Check Eligibility
Verify income and credit score requirements
Fill Application
Complete online form with personal details
Submit Documents
Upload KYC, income proof, and address proof
Get Approved
Receive card within 7-10 working days
Customer Reviews
Excellent card for frequent travelers. The lounge access alone justifies the annual fee. Reward points accumulate quickly and redemption is hassle-free.
Great dining benefits and good reward rate. Only downside is the foreign currency markup could be lower. Overall, very satisfied with the card.
Best premium card in this price range. The welcome bonus is generous and the travel insurance provides peace of mind. Highly recommended!
Good all-rounder card. The fuel surcharge waiver and movie offers are useful. Annual fee waiver on ₹3L spend is achievable for most users.
Frequently Asked Questions
The annual fee of ₹2,500 is waived if you spend ₹3 lakhs or more in the previous year. This is easily achievable for most premium cardholders.
Each reward point is typically worth ₹0.25-0.50 depending on redemption method. Air miles offer the best value, while statement credit offers lower value.
Yes, you can convert any purchase above ₹2,500 to EMI. Interest rates vary from 12-18% depending on tenure. Check with HDFC for current rates.
Yes, you get 12 complimentary domestic lounge visits per year (6 for primary card + 6 for add-on card). International lounge access requires Priority Pass.