HDFC Bank Regalia Activ Credit Card

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

A Regalia variant with spend milestones.

Base rate: 0.4% as Reward Point.

What the bank says

• 4 reward points per ₹200, including insurance
• Bonus points at ₹5 lakh and ₹8 lakh of annual spend
• 2 domestic lounge visits a quarter on ₹1 lakh of spend, and 6 international visits a year

Things that catch people out

• Points are worth ₹0.20 as cashback, which is what we use.

Joining fee: ₹2,500. Foreign currency markup: not published.

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

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