What is the annual fee of the HDFC Regalia Activ 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 Regalia Activ Credit Card give airport lounge access?

Yes. In India: 12 per year within India (domestic and international terminals), by card swipe (page headline says 'up to 12'). Outside India: 6 per calendar year outside India via Priority Pass, shared with add-on. Conditions: Priority Pass on request after 4 retail transactions; visits beyond 6 and Priority Pass use inside India charged USD 27 + GST; guests need their own add-on card and Priority Pass; page FAQ says RuPay cards are not eligible for Priority Pass. A FAQ block copied from the Regalia card describes a different rule (2 visits per quarter on Rs 1 lakh quarterly spend).

What is the forex markup on the HDFC Regalia Activ Credit Card?

3.5% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the HDFC Regalia Activ Credit Card?

No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC)

M16S / HDFC Bank / HDFC Regalia Activ Credit Card

premium · rewards, travel

HDFC Regalia Activ Credit Card

HDFC BankVisa · RuPayLast checked 31 Oct 2026closed to new applicants

The HDFC Regalia Activ Credit Card costs Rs 2,500 a year, waived if you spend Rs 3,00,000 in a year. Its base return is 1%. The forex markup is 3.5%. Abroad: 6 per calendar year outside India via Priority Pass, shared with add-on. Read from the issuer's own documents on 31 Oct 2026.

Annual fee: Rs 2,500+ GST
Fee waived at: Rs 3,00,000annual spend
Base return: 1%
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	Joining/renewal fee Rs 2,500 + taxes; renewal fee waived on Rs 3 lakh spend in the anniversary year (HDFC page). Page FAQ describes a home-loan bundle with no joining or renewal fee for the first 3 years for new-to-bank customers.

Rewards

Welcome benefit	Rs 250 Amazon voucher on activating the card within 37 days (page FAQ)
Reward currency	Reward Points
Base earn	4 RP per Rs 200 on eligible retail spends incl. insurance (HDFC page)
Base return	1%
Point value	1 RP = Rs 0.50 flights/hotels on SmartBuy; 0.5 airmile; up to Rs 0.35 products/vouchers; Rs 0.15 cashback (page; a FAQ block on the same page still shows Rs 0.20)
Caps	UPI spends on RuPay: max 500 RP per calendar month (page); grocery 2,000 RP/month; utility 2,000, telecom 2,000, insurance 2,000 RP/month; max 50,000 RP per statement cycle; flights/hotels up to 70% of booking via points (MITC)
Spends that earn nothing	No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC)
Points expiry	2 years
Milestone benefits	10,000 bonus RP on Rs 5 lakh and a further 5,000 RP on Rs 8 lakh spend in an anniversary year
Reward notes	Redemption fee Rs 99 + GST (MITC). Base return computed from the issuer page: 4 RP/200 x Rs 0.50 (SmartBuy flights/hotels) = 1.0%.

Travel and perks

Domestic lounge	12 per year within India (domestic and international terminals), by card swipe (page headline says 'up to 12')
International lounge	6 per calendar year outside India via Priority Pass, shared with add-on
Lounge conditions	Priority Pass on request after 4 retail transactions; visits beyond 6 and Priority Pass use inside India charged USD 27 + GST; guests need their own add-on card and Priority Pass; page FAQ says RuPay cards are not eligible for Priority Pass. A FAQ block copied from the Regalia card describes a different rule (2 visits per quarter on Rs 1 lakh quarterly spend).
Forex markup	3.5%
Fuel surcharge waiver	1% on txns Rs 400-5,000 (page); cap Rs 500 per statement cycle (MITC)
Other freebies	Air accident cover Rs 1 crore, overseas hospitalisation Rs 15 lakh, lost card liability Rs 9 lakh

Charges and eligibility

Interest per month	3.75%
Late payment fee	On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)
Cash advance fee	2.5% of amount, min Rs 500
Eligibility	Closed to new applicants. Page FAQ (home-loan bundle) cites net income of at least Rs 25,000/month.
Fine-print notes	Issuer product page read 2026-10-12. Forex markup is not stated on the page. Conflicts (issuer page used): status: old 'open' (HDFC listing page) vs page 'Sourcing of this Credit Card has been stopped' \| base_earn: old '4 RP per Rs 150' (HDFC listing page) vs page '4 RP per Rs 200' \| lounge_domestic: old 'up to 8' (HDFC listing page) vs page '12 within India'. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.

Questions

What is the annual fee of the HDFC Regalia Activ 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 Regalia Activ Credit Card give airport lounge access?: Yes. In India: 12 per year within India (domestic and international terminals), by card swipe (page headline says 'up to 12'). Outside India: 6 per calendar year outside India via Priority Pass, shared with add-on. Conditions: Priority Pass on request after 4 retail transactions; visits beyond 6 and Priority Pass use inside India charged USD 27 + GST; guests need their own add-on card and Priority Pass; page FAQ says RuPay cards are not eligible for Priority Pass. A FAQ block copied from the Regalia card describes a different rule (2 visits per quarter on Rs 1 lakh quarterly spend).
What is the forex markup on the HDFC Regalia Activ Credit Card?: 3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the HDFC Regalia Activ Credit Card?: No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC)