HDFC Bank Doctor's Regalia Credit Card

HDFC Bank · Closed to new applicants

The Regalia card for doctors, closed to new applicants. It earns 4 reward points per ₹150 on retail spends, gives 12 domestic lounge visits and 6 Priority Pass visits abroad, annual spend bonuses and a ₹20 lakh professional indemnity cover, for ₹2,500 a year waived at ₹3 lakh.

Annual fee
₹2,500 + GST a year
Joining fee
₹2,500 + GST
Fee waiver
Annual fee waived on ₹3,00,000 spend per card year
Base rate
Retail spends: 4 Reward Points per ₹150 (about 1.33% at cash value)
Lounges
Domestic: 12 visits a calendar year; International: 6 visits a calendar year
Forex markup
3.5%
Data
From bank documents, checked 23 Oct 2026

Main earn rates

  • SmartBuy at IGP, Jockey and PharmEasy, 10% CashBack: 10% in SmartBuy CashBack on top of the base rate (about 10% at cash value)
  • SmartBuy flights and hotels, 5% CashBack on top of the base: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
  • SmartBuy at Myntra, Nykaa, redBus, Zoomcar, Apple (Imagine Tresor) and MakeMyTrip holiday packages, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
  • SmartBuy instant brand vouchers, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
  • SmartBuy ConfirmTkt train tickets, 1% CashBack: 1% in SmartBuy CashBack on top of the base rate (about 1% at cash value)

Earns nothing on

  • No points on fuel
  • No points on rent and property management, or on government payments (from 1 January 2023)
  • No points on wallet loads
  • No points on EasyEMI; points are reversed if a purchase is converted to SmartEMI
  • No points on online skill-based gaming (from 1 July 2025)
  • No points on education fees paid through third-party apps (from 1 September 2024)

Where the sources disagree

  • base reward rate: The product page says 4 points per ₹150 and no document gives another rate for this card. MITC v4.15 clause I says points are earned on multiples of ₹200 for every card except Infinia, Diners Black and BizBlack, and HDFC's 15 May 2026 notice (which moves Regalia, Regalia Activ and others to ₹200) omits Doctor's Regalia. 4 per ₹150 is entered as the only stated rate; the points per ₹200, if the card moved, are not published.
  • foreign currency markup: The product page says 2%. The MITC v4.15 fee table gives 3.5% for the row that holds Doctor's Regalia. The MITC is used.
  • rent and insurance earning: The product page says retail spends including rent pay earn points, and insurance points are capped at 2,000 a day. The MITC says rent and government payments earn nothing since 1 January 2023 and insurance is capped at 2,000 a month since 1 July 2025. The MITC is used.

Terms the calculator does not value

  • Reward redemption: only the SmartBuy flight and hotel value (₹0.50 a point) is stated. The page names catalogue and voucher redemption but gives no value, and the MITC cashback value table does not name Doctor's Regalia.
  • The MITC fair usage clause lists "doctors" at 15,000 points a statement cycle; it does not say whether that is Doctor's Regalia or Doctor's Superia, so no cap is entered.
  • SmartBuy cashback applies only to purchases made through the SmartBuy portal. This card is not named in the SmartBuy table, so it is placed in the "Other credit card (CashBack)" column (5% or 10% on listed categories and merchants, ₹1,000 a month), as for HDFC's other unnamed cards. The table is valid till 31 March 2027.

Sources

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