HDFC Bank Regalia Activ Credit Card
HDFC Bank · Closed to new applicants
A variant of HDFC's Regalia travel card, closed to new applicants. It earns 4 reward points per ₹200, up to 12 domestic lounge visits and 6 Priority Pass visits abroad, and annual spend bonuses of 10,000 and 5,000 points, 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: 12 visits a calendar year; International: 6 visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 20 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
- complimentary domestic lounge access: The page header and lounge section say 12 complimentary visits in India. A page FAQ (text copied from Regalia) says 2 visits a quarter on ₹1 lakh of spend. MITC clause K lists Regalia Activ among the cards that swipe at the lounge, while Regalia gets vouchers. 12 visits are used.
- cashback value per point: The page header says ₹0.15 and an FAQ says ₹0.20. MITC v4.15 sets 15 paise for Regalia Activ from 1 November 2025 and is used.
Terms the calculator does not value
- Airmile conversion is 0.5 airmile per point but the partner programmes are not named, so no transfer option is entered.
- The page says up to 500 reward points a calendar month can be earned on UPI spends (for the RuPay credit card variant). Whether a RuPay variant of Regalia Activ exists is not stated, so it is not modelled.
- The fees page downloaded for this card turned out to be the Business Regalia page, so Regalia Activ's own fees page was not read; fees come from the product page and the MITC.
- 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
- Regalia Activ credit card product page (Product page, the bank's own, read 20 Oct 2026)
- HDFC Bank credit cards Most Important Terms and Conditions (Key Fact Statement), version 4.15, updated 17 October 2026 (Most important terms (MITC), the bank's own, read 20 Oct 2026)
- HDFC Bank notice "Updates on your credit card rewards, fees & charges", effective 15 May 2026 (generic mailer linked from the product page) (Bank notice, the bank's own, read 20 Oct 2026)
- SmartBuy accelerated earn rules (valid till 31 March 2027) (Reward terms, the bank's own, read 20 Oct 2026)
- Regalia Activ Rewards Points Program terms and conditions (linked from the product page) (Reward terms, the bank's own, read 20 Oct 2026)
- Regalia Gold / Regalia Activ domestic airport lounge access program terms (linked from the product page) (Reward terms, the bank's own, read 20 Oct 2026)
- Regalia Activ fuel transaction terms (linked from the product page) (Reward terms, the bank's own, read 20 Oct 2026)
- Benefits for HDFC Bank Regalia / Super Premium cardholders, policy period 23 July 2026 to 22 July 2027 (Bank notice, the bank's own, read 20 Oct 2026)