HDFC Bank Regalia Credit Card

HDFC Bank · ₹2,500 a year · fee waived on ₹3,00,000 of annual spend

HDFC Bank’s older premium card.

Base rate: 0.3% as Reward Point.

What the bank says

• 4 reward points per ₹200
• 10,000 bonus points at ₹5 lakh and 5,000 more at ₹8 lakh a year
• Foreign currency markup of 3.5%

Things that catch people out

• Points are worth ₹0.50 each on flights and hotels booked through HDFC Bank SmartBuy. Tell us you redeem for travel and we use that value; otherwise we use the cashback value.
• No rewards on rent, fuel or government payments.

Joining fee: ₹2,500. Foreign currency markup: 3.5%. This card is no longer issued.

Read from HDFC Bank’s own page on 2026-09-16.

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