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Apply NowThe HDFC Regalia Credit Card benefits cater to discerning cardholders who seek premium lifestyle experiences combined with substantial value. This prestigious card family represents one of India's most coveted credit card offerings, specifically designed for high-spending individuals who prioritise travel convenience and luxury experiences.
The HDFC Regalia family encompasses multiple variants, with the Regalia Gold serving as the flagship premium option. Both cards feature an annual fee of ₹2,500 plus GST, though the renewal conditions differ slightly between variants. The standard Regalia waives its renewal fee upon spending ₹3 lakh annually, whilst the Gold variant requires ₹4 lakh in annual expenditure.
Key benefits include:
Earn up to ₹16,000 annually with 25% cashback on Airtel bills and recharges.
Get 10% cashback on popular platforms like Zomato, Swiggy, and BigBasket,
Comprehensive HDFC Regalia credit card, airport lounge access both domestically and internationally
Free Club Vistara Silver Tier membership for frequent flyers.
The HDFC Regalia credit card reward points system operates on a sophisticated structure that maximises returns across various spending categories. Cardholders earn reward points through the bank's comprehensive rewards programme, which converts everyday purchases into valuable benefits.
The standard earning structure provides competitive returns on retail transactions, with enhanced rates for specific merchant categories. These points accumulate in your HDFC rewards account and can be redeemed for a variety of options, including flight bookings, hotel stays, merchandise, and statement credits. The redemption process remains straightforward through HDFC's online portal or mobile application.
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The HDFC Regalia Credit Card benefits extend far beyond basic rewards, offering substantial value across dining, shopping, and travel categories. Through the Good Food Trail programme, cardholders enjoy up to 20% savings whilst dining out by making bill payments through Swiggy Dineout, with access to over 35,000 restaurants nationwide. This partnership allows you to save up to 7.5% on restaurant bills across more than 20,000 establishments, combining both restaurant and Swiggy offers for maximum value.
For shopping enthusiasts, the card delivers exceptional returns through accelerated HDFC Regalia credit card reward points. You'll earn 20 reward points on every ₹150 spent at premium partners, including Marks & Spencer, Myntra, Reliance Digital, and Nykaa – effectively providing 5X reward points on these purchases. The base reward structure ensures you earn 4 reward points per ₹150 spent across all categories, including insurance, utilities, and education.
Travel benefits include a comprehensive HDFC Regalia credit card and airport lounge access with 12 complimentary visits within India at both domestic and international terminals. Additionally, through Priority Pass, cardholders and add-on members together receive up to 6 complimentary lounge visits per calendar year outside India, ensuring comfortable travel experiences worldwide.
The HDFC Regalia credit card's exclusive partnerships deliver substantial savings and enhanced experiences across various lifestyle categories. The Swiggy Dineout collaboration stands as a flagship offering, providing cardholders with consistent dining savings through a network spanning thousands of restaurants. This partnership ensures that your dining experiences become more rewarding while maintaining the flexibility to explore diverse culinary options.
Premium shopping partnerships with Marks & Spencer, Myntra, Reliance Digital, and Nykaa offer accelerated reward-earning opportunities, making luxury purchases more accessible. These partnerships are carefully curated to align with modern lifestyle needs, covering fashion, electronics, and beauty essentials. The exclusive Gold Catalogue redemption system further enhances value by offering access to premium brands, including Apple, Fitbit, and Bose, through the SmartBuy platform.
