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ValueHigh
VerdictTop Tier
VerifiedYes
Rating4.8/5
124 verified reviews
Executive Summary: The HDFC Regalia Credit Card by HDFC Bank is a Rewards offering featuring 2.5% cashback. Key benefits include 4 reward points per ₹150 on all spends, 10X points via SmartBuy portal. Most suitable for users seeking Best for established professionals looking...
HDFC Bank
HDFC Regalia Credit Card
Data Verified
Last checked: 22 May 2026Best for established professionals looking for a robust core bank card with solid reward redemption.
The classic premium benchmark reward card in India, providing balanced multipliers, comprehensive insurance, and strong lounge perks.
RewardsTravelShopping
Annual Fee
₹2500
Annual fee waived on spending ₹3 lakh in previous year
Cashback
2.5%
Headline Rate
Forex Markup
2%
Standard Rate
Value Calculator
AI Powered
₹25,000
MinMax
Calculations are indicative based on the product's headline rates. Actual benefits may vary based on spend categories and credit profile.
Annual Savings
₹7,500
Based on your 2.5% cashback rate.
Expert Verdict
"HDFC Regalia is a household name in premium Indian banking. Its core strength lies in its wide redemption catalogs (SmartBuy travel, product catalogues). Extremely safe choice. Verdict: Reliable premium standard."
Key Privileges
Welcome Benefit2,500 Reward Points on fee realization
Fee WaiverAnnual fee waived on spending ₹3 lakh in previous year
Interest Rate (APR)42%
Min. Income₹9 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score750
- Min. Income₹9 lakh per annum
- EmploymentSalaried/Self