M16S / HDFC Bank / HDFC Regalia Credit Card
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HDFC Regalia Credit Card
The HDFC 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% (4 RP per Rs 200 on retail spends (HDFC page)). Accelerated earn: Up to 5X Reward Points on flights, hotels, gift vouchers via SmartBuy (HDFC page). The forex markup is 3.5%. Lounge visits in India: Up to 8 per year: 2 vouchers per quarter for primary and add-on. Abroad: 6 per year outside India via Priority Pass, shared with add-on. Read from the issuer's documents and an aggregator on 12 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
What changed on this card
- HDFC Bank adds 1.75% markup on INR spends at overseas merchants, May 2026
From 15 May 2026, a markup fee of 1.75% applies on all transactions in Indian currency at an international location, or at merchants located in India but registered overseas. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Regalia and Regalia Gold set statement-credit redemption at 15 paise a point, Nov 2025
From 1 November 2025, redeeming Reward Points as cashback against the statement balance is valued at 15 paise per point on Regalia and Regalia Gold. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank adds 1% fee on wallet loads and gaming above Rs 10,000, Jul 2025
A 1% fee applies on wallet loading (excluding PayZapp) and on online skill-based gaming spends above Rs 10,000 in a calendar month. Each fee is capped at Rs 4,999 per month. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank stops rewards on online skill-based gaming from Jul 2025
Online skill-based gaming transactions no longer earn Reward Points or CashPoints on any HDFC Bank credit card from 1 July 2025. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank charges 1% on rent payments, capped at Rs 4,999, from Jul 2025
A 1% fee on the transaction amount applies on rental transactions on any applicable merchant. The fee is capped at Rs 4,999 per transaction. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank caps insurance reward points per month from Jul 2025
Reward Points on insurance transactions are capped at 10,000 a month for Infinia and Infinia (Metal Edition), 5,000 a month for Diners Black Metal Edition and Diners Black, and 2,000 a month for all other credit cards. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank caps utility and telecom reward points at 2,000 a month, Sep 2024
Reward Points on utility transactions (MCC 4900) and on telecom and cable transactions (MCC 4812, 4814, 4899) are each capped at 2,000 Reward Points per calendar month. Product-level caps continue on Millennia, Swiggy and some other cards. Source: HDFC Bank, v.hdfcbank.com, read 28 Oct 2026
- HDFC Bank stops reward points on education payments via apps, Sep 2024
Education payments made through third-party apps like CRED, Cheq and MobiKwik no longer earn Reward Points on consumer cards. Payments made directly on college or school websites or their POS machines still earn points. Source: HDFC Bank, v.hdfcbank.com, read 28 Oct 2026
- HDFC Bank sets late payment fee slabs on credit cards from Aug 2024
Late payment charges by statement amount: nil up to Rs 100, Rs 100 for Rs 101 to 500, Rs 500 for Rs 501 to 1,000, Rs 600 for Rs 1,001 to 5,000, Rs 750 for Rs 5,001 to 10,000, Rs 900 for Rs 10,001 to 25,000, Rs 1,100 for Rs 25,001 to 50,000 and Rs 1,300 above Rs 50,000. Infinia (Metal Edition) is excluded. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
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; fee waived on Rs 3 lakh spend in the anniversary year (page FAQ and MITC). |
Rewards
| Welcome benefit | 2,500 RP welcome benefit; 2,500 RP renewal benefit when the fee is paid (not when waived) |
|---|---|
| Reward currency | Reward Points |
| Base earn | 4 RP per Rs 200 on retail spends (HDFC page) |
| Base return | 1% |
| Point value | 1 RP = Rs 0.50 flights/hotels; up to 0.5 airmile; up to Rs 0.35 products/vouchers; up to Rs 0.15 cashback (page) |
| Accelerated earn | Up to 5X Reward Points on flights, hotels, gift vouchers via SmartBuy (HDFC page) |
| Caps | Grocery 2,000 RP per calendar month; insurance 2,000 RP/month; flight/hotel redemption 50,000 RP per calendar month (page); utility 2,000, telecom 2,000 RP/month; max 50,000 RP per cycle (MITC); SmartBuy bonus 4,000 RP/month (aggregator) |
| Spends that earn nothing | No points on fuel, rent and property management, government transactions, EasyEMI, e-wallet loads; points reversed on SmartEMI conversion (page); online skill gaming, education via third-party apps (MITC) |
| Points expiry | 2 years; points nullified if the card is unused for 365 days |
| Milestone benefits | 10,000 RP at Rs 5 lakh and a further 5,000 RP at Rs 8 lakh annual spend |
| Reward notes | Redemption fee Rs 99 + GST (MITC). Base return recomputed from the issuer page: 4 RP/200 x Rs 0.50 = 1.0%. |
Transfers
| Partnersunverified | Singapore KrisFlyer |
|---|---|
| Ratiounverified | 2 RP : 1 KrisFlyer mile; no other partners (enthusiast guide dated Jun-Sep 2026) |
Travel and perks
| Domestic lounge | Up to 8 per year: 2 vouchers per quarter for primary and add-on |
|---|---|
| International lounge | 6 per year outside India via Priority Pass, shared with add-on |
| Lounge conditions | Domestic vouchers via SmartBuy need Rs 1 lakh spend in the calendar quarter; Priority Pass after 4 retail transactions; visits beyond 6 charged USD 27 + GST; Priority Pass use in India is charged (page) |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% on txns Rs 400-5,000, cap Rs 500 per cycle (MITC) |
| Other freebies | Air accident cover Rs 1 crore, overseas hospitalisation Rs 15 lakh, lost card liability Rs 9 lakh; 24x7 concierge; up to 7.5% off via Swiggy Dineout; Rs 1,000 PayZapp cashback offer |
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; replaced by Regalia Gold |
| Fine-print notes | Widely held legacy card. Issuer product page read 2026-10-12. Conflicts (issuer page used): forex_markup_pct: old 2.0 (cardinsider) vs page 3.5 | base_earn: old '4 RP per Rs 150' vs page '4 RP per Rs 200'; base_return_pct 1.33 -> 1.0 | accelerated_earn: old 'up to 10X on SmartBuy' vs page 'up to 5X'. 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 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 Credit Card give airport lounge access?
- Yes. In India: Up to 8 per year: 2 vouchers per quarter for primary and add-on. Outside India: 6 per year outside India via Priority Pass, shared with add-on. Conditions: Domestic vouchers via SmartBuy need Rs 1 lakh spend in the calendar quarter; Priority Pass after 4 retail transactions; visits beyond 6 charged USD 27 + GST; Priority Pass use in India is charged (page)
- What is the forex markup on the HDFC Regalia Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the HDFC Regalia Credit Card?
- No points on fuel, rent and property management, government transactions, EasyEMI, e-wallet loads; points reversed on SmartEMI conversion (page); online skill gaming, education via third-party apps (MITC)