HDFC Regalia Credit Card Fees & Charges

The HDFC Regalia Credit Card family represents a premium collection of lifestyle and travel-focused cards designed for discerning consumers. This prestigious range includes multiple variants: the standard Regalia, Regalia First, Regalia Gold, and Business Regalia cards, each tailored to specific customer segments and spending patterns. HDFC Bank Regalia credit card charges vary significantly across different variants, reflecting their distinct positioning in the market. The standard HDFC Regalia commands a joining and renewal fee of ₹2,500 plus applicable taxes, whilst the entry-level Regalia First offers a more accessible fee structure at ₹1,000 plus taxes. The Regalia Gold maintains the premium pricing at ₹2,500, and the Business Regalia mirrors this structure for corporate users.

These cards are particularly attractive for frequent travellers and lifestyle enthusiasts, offering comprehensive benefits including lounge access, club memberships, premium hotel privileges, and substantial reward points on various spending categories. The fee structure reflects the premium nature of benefits provided, though each variant offers fee waiver opportunities based on annual spending thresholds.

The HDFC Regalia credit card annual fee structure follows a tiered approach across different variants, with fee waiver opportunities that can make these premium cards highly cost-effective for regular users. For the standard HDFC Regalia, both joining and renewal fees stand at ₹2,500 plus applicable taxes. However, the annual fee becomes completely waived upon spending ₹3 lakhs during the anniversary year, making it essentially free for high-spending customers. This represents excellent value considering the premium benefits offered.

The Regalia First presents a more accessible entry point with annual fees of ₹1,000 plus applicable taxes. The fee waiver threshold is significantly lower at ₹1 lakh annual spending, effectively allowing users to enjoy lifetime free usage with moderate spending patterns. Credit card interest rates across all Regalia variants typically range from 3.5% to 4% per month on outstanding balances, translating to approximately 42-48% annually. HDFC Regalia credit card international transaction charges generally apply at 3.5% of the transaction value for purchases made abroad, though this may vary based on specific card variants and promotional offers.

Understanding the various transaction fees and penalty charges associated with your HDFC Regalia credit card helps you make informed spending decisions and avoid unexpected costs.

Transaction-Based Charges

The HDFC Regalia Credit Card charges for third-party platforms like CRED, Paytm, and MobiKwik became effective from August 2024. These fees particularly impact those who frequently pay rent or large utility bills through digital platforms.

Penalty Charges

Late payment penalties follow a tiered structure based on your outstanding balance, ranging from nil to ₹1,300. The overlimit penalty stands at 2.5% of the exceeded amount, with a minimum charge of ₹500. Cash advance fees are calculated at 2.5% or ₹500, whichever proves higher. These charges can significantly impact your overall credit card costs, making it essential to understand how to minimise or avoid them altogether.

Smart credit card management can help you sidestep most fees associated with your transaction charges through strategic planning and disciplined usage. Various ways to avoid:

• Direct payment methods

Pay utility bills and rent directly through bank transfers or cheques rather than third-party apps.

• Fuel purchase limits

Keep individual fuel transactions below ₹15,000 to avoid the 1% surcharge.

• International spending

Consider using forex cards or traveller's cheques for overseas transactions to avoid the 3.5% markup.

• Utility bill strategy

Split large utility payments across multiple months or use different payment methods when exceeding ₹50,000.