HDFC Bank Regalia Credit Card

HDFC Bank · Closed to new applicants

HDFC's earlier Regalia travel and lifestyle card, now closed to new applicants. It earns 4 reward points per ₹200 (up to 10X on SmartBuy hotels), gives 2 domestic lounge visits a quarter on ₹1 lakh of spend and 6 Priority Pass visits abroad, 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 ₹200 (about 0.3% at cash value)
Lounges
Domestic: 2 visits a calendar quarter after ₹1,00,000 spend; International: 6 visits a calendar year
Forex markup
3.5%
Data
From bank documents, checked 23 Oct 2026

Main earn rates

  • SmartBuy hotels, 10X (36 bonus points per ₹200 on top of the base): 36 Reward Points per ₹200 on top of the base rate (about 2.7% at cash value)
  • SmartBuy at IGP, Jockey and PharmEasy, 10X (36 bonus points per ₹200): 36 Reward Points per ₹200 on top of the base rate (about 2.7% at cash value)
  • SmartBuy flights, 5X (16 bonus points per ₹200): 16 Reward Points per ₹200 on top of the base rate (about 1.2% at cash value)
  • SmartBuy at Myntra, Nykaa, redBus, Zoomcar, Apple (Imagine Tresor) and MakeMyTrip holiday packages, 5X (16 bonus points per ₹200): 16 Reward Points per ₹200 on top of the base rate (about 1.2% at cash value)
  • SmartBuy instant brand vouchers, 5X (16 bonus points per ₹200): 16 Reward Points per ₹200 on top of the base rate (about 1.2% 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

  • SmartBuy multiples: The product page says "up to 5x" on flights, hotels and gift vouchers via SmartBuy. The SmartBuy earn-rules table gives 10X on hotels and 5X on flights and vouchers for the Regalia column. The table is used.
  • annual milestone benefit: The reward T&C PDF linked from the page still lists annual spend bonuses (10,000 points at ₹5 lakh, 5,000 more at ₹8 lakh). The page itself describes milestone memberships and vouchers on a SmartBuy portal. Both are recorded; the T&C benefit is the only one with numbers.

Terms the calculator does not value

  • Airmile conversion is "up to 0.5 airmile per point" but the partner programmes and per-partner ratios are not stated, so no transfer option is entered.
  • SmartBuy accelerated points apply only to purchases made through the SmartBuy portal. The SmartBuy table has no column named for this card; the "Regalia, Diners Privilege, BizPower" column (cap 4,000 points a month) is used. "10X" is ten times the base rate; the extra points are a bonus and the monthly cap counts them, so each rule is a bonus of (X - 1) times the base. The table is valid till 31 March 2027.
  • Milestone memberships and vouchers on the Regalia SmartBuy portal: the terms and any value were not found, so nothing is added beyond the annual spends benefit in the reward T&C.

Sources

Compare this card · Find the best card for your spending