M16S / HDFC Bank / HDFC Doctor's Regalia Credit Card
premium · rewards, travel
HDFC Doctor's Regalia Credit Card
HDFC BankVisa · MastercardLast checked 31 Oct 2026closed to new applicants
The HDFC Doctor's Regalia Credit Card costs Rs 2,500 a year, waived if you spend Rs 3,00,000 in a year. Its base return is 1.33%. The forex markup is 3.5%. Read from the issuer's own documents on 31 Oct 2026.
Card design: hdfc.bank.in
Annual fee
Rs 2,500+ GST
Fee waived at
Rs 3,00,000annual spend
Base return
1.33%
Forex markup
3.5%
Interest
3.75%a month
Fees
Joining fee
Rs 2,500
Annual fee
Rs 2,500
Annual spend that waives the fee
Rs 3,00,000
Fee notes
First-year and renewal fee Rs 2,500 + taxes each. Renewal fee waived on Rs 3 lakh spend in 12 months.
Rewards
Welcome benefit
2,500 Reward Points on joining and 2,500 on renewal, only when the fee is paid (not when waived)
Reward currency
Reward Points
Base earn
4 RP per Rs 150 on all retail spends, including insurance, utilities, education and rent pay
Base return
1.33%
Point value
1 RP = Rs 0.50 on flights and hotels via the Regalia SmartBuy portal
Caps
Insurance spends: max 2,000 RP per day. Points cover up to 70% of a flight/hotel booking
Spends that earn nothing
Fuel, EasyEMI, e-wallet loads, rent; points reversed if a purchase is converted to SmartEMI
Points expiry
2 years from accumulation; all points lapse if the card is unused for 365 days
Milestone benefits
10,000 bonus RP on Rs 5 lakh spend in the anniversary year; a further 5,000 RP on Rs 8 lakh
Reward notes
base_return_pct = 4 RP per Rs 150 x Rs 0.50 = 1.33%; both figures from the product page.
Travel and perks
Domestic lounge
12 per calendar year within India (domestic and international terminals), via the Visa/Mastercard lounge programme
International lounge
6 per calendar year outside India via Priority Pass, shared between primary and add-on
Lounge conditions
Priority Pass can be applied for after 4 retail transactions; visits beyond 6 cost US$27 + GST each; Priority Pass use inside India is charged
Forex markup
3.5%
Fuel surcharge waiver
1% on txns between Rs 400 and Rs 5,000 (cap not on page)
Other freebies
Professional indemnity cover up to Rs 20 lakh (Rs 4 lakh any one accident, Rs 25,000 deductible); accidental air death cover Rs 1 crore; emergency overseas hospitalisation up to Rs 15 lakh; credit liability cover Rs 9 lakh; 24x7 travel concierge
Charges and eligibility
Interest per month
3.75%
Eligibility
For doctors. Sourcing stopped; existing cardholders keep the benefits (product page)
Fine-print notes
Legacy doctors' variant of Regalia, closed to new applicants. Dineout Passport membership shown on the page ended on 31 Dec 2021. The FAQ's 'unlimited lounge access' line contradicts the 12 + 6 visits in the benefits section and is ignored. New entry built only from the HDFC product page read 2026-10-12; fields the page does not state are null, and the bank-wide MITC charges (late fee slabs, rent/utility/wallet fees) were not re-read for this card.
Questions
What is the annual fee of the HDFC Doctor's Regalia Credit Card?
Rs 2,500 a year, before GST. It is waived if you spend Rs 3,00,000 in a year.
Does the HDFC Doctor's Regalia Credit Card give airport lounge access?
Yes. In India: 12 per calendar year within India (domestic and international terminals), via the Visa/Mastercard lounge programme. Outside India: 6 per calendar year outside India via Priority Pass, shared between primary and add-on. Conditions: Priority Pass can be applied for after 4 retail transactions; visits beyond 6 cost US$27 + GST each; Priority Pass use inside India is charged
What is the forex markup on the HDFC Doctor's Regalia Credit Card?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the HDFC Doctor's Regalia Credit Card?
Fuel, EasyEMI, e-wallet loads, rent; points reversed if a purchase is converted to SmartEMI
