HDFC BankVisaPremium

Regalia credit card

Classic mid-premium: 4 RP per ₹150, 12 domestic lounges and milestone points.

Personal score53/100● Good fit

Recurring net savings₹4,226/yrafter fee, GST and caps · bills paid in full

First-year value₹1,276no welcome offer, ₹2,950 joining fee

Effective savings rate1.3%on ₹3,26,640 card spend · 6% = full marks

Annual fee (incl. GST)Waived ~~₹2,950~~waiver at ₹3,00,000 spend

Lounge access✈12 dom🌏6 intlyou can use 2 of your visits

Personalise Official page ↗

Source: HDFC Bank – Regalia product page · last reviewed 2026-09-12

Standard profile

Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail

₹3,866/yrBase rate 1.33% on other spends

Waived₹2,950 fee

2/2lounge visits covered

1/1lifestyle perks matched

₹36,000earns nothing (fuel)

! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here.

Where the money comes from

₹4,226/yr · 1.3%

Base rate 1.33% on other spendson ₹2,90,640₹3,866

Excluded categories (no rewards)on ₹36,000₹0

Fuel surcharge waiver₹360

◻︎ 10,000 RP at ₹5L · needs ₹5,00,000/year◻︎ 5,000 RP at ₹8L · needs ₹8,00,000/year

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹4,226/yr is calculated: Regalia
+ Reward value on your spendat ₹0.5/Reward Points realistic value: ₹3,866
+ Fuel surcharge waiver1% up to ₹250/month: ₹360
+ Annual fee incl. 18% GSTwaived – ₹2,950 at ₹3,00,000 spend: ₹0
= Recurring net savings: ₹4,226/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards: ₹3,26,640
= Effective savings rate: 1.3%

How the score of 53 is built

weights total 100% · methodology

Net savings rate26/100 × 55%14.4

Usable lounge access100/100 × 15%15.0

Redemption flexibility60/100 × 10%6.0

Lifestyle fit100/100 × 10%10.0

Simplicity60/100 × 5%3.0

Fee safety85/100 × 5%4.3

Airport lounges with this card

Open Lounge Finder →

42airports in India

64lounges you can enter

12 per yeardomestic

6 per yearinternational

How you get in: issuer programme (bank / operator app) · Priority Pass. Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 6 lounges

✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
🌏T3 Encalm Privé (T3 International) Encalm · via Priority Pass verified
🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Priority Pass verified
✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified

HYD Hyderabad 4 lounges

✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
🌏Main Plaza Premium Lounge (International) Plaza Premium · via Priority Pass verified
🌏Main Encalm Privé (International) Encalm · via Priority Pass check at desk

BOM Mumbai 4 lounges

✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
🌏T2 Adani Lounge (T2 International) Adani Airports · via Priority Pass verified
✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified

BLR Bengaluru 3 lounges

✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
🌏T2 080 International Lounge BIAL · via Priority Pass verified
✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified

MAA Chennai 3 lounges

✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified

AMD Ahmedabad 2 lounges

✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
🌏T2 Adani Lounge (International) Adani Airports · via Priority Pass verified

ATQ Amritsar 2 lounges

✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
🌏Main Bird Lounge (International) Bird Group · via Priority Pass check at desk

GOX Goa (Mopa) 2 lounges

✈Main Mopa Airport Lounge (Domestic) GMR · via issuer programme (bank / operator app) check at desk
🌏Main Mopa Airport Lounge (International) GMR · via Priority Pass check at desk

COK Kochi 2 lounges

✈T1 Earth Lounge (Domestic) CIAL · via issuer programme (bank / operator app) verified
🌏T3 Earth Lounge (International) CIAL · via Priority Pass verified

CCU Kolkata 2 lounges

✈T2 Travel Club Lounge (Domestic) Travel Food Services · via issuer programme (bank / operator app) verified
🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified

LKO Lucknow 2 lounges

✈T3 Adani Lounge (Lucknow) Adani Airports · via issuer programme (bank / operator app) verified
🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Priority Pass check at desk

TRV Thiruvananthapuram 2 lounges

✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via issuer programme (bank / operator app) verified
🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Priority Pass check at desk

+ 30 more airports in the Lounge Finder.

What changed on this card

1 Jul 2025New feeHDFC Bank
HDFC Bank: 1% fee on rent, high utility and gaming spends; insurance reward caps
From 1 July 2025 HDFC cards charge 1% (capped at ₹4,999 a month) on rent payments, on all utility transactions once monthly utility spend crosses ₹50,000 on personal cards, and on online skill-based gaming above ₹10,000 a month (gaming also earns no points). Insurance reward points are capped at 10,000 a month on Infinia, 5,000 on Diners Black and 2,000 on other cards.
Cards: Infinia Metal, Diners Club Black Metal, Regalia Gold, Regalia, Millennia, Swiggy HDFC Bank, Tata Neu Infinity HDFC Bank, Tata Neu Plus HDFC Bank +10 more · Source: Business Standard – HDFC credit card users alert: new fees, reward caps from July 1 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn1.33%value on eligible spend

⚡ Acceleratednone

🚫 No rewards onfuelrent

🏷️ Fees₹2,950/yr incl. GSTwaived on ₹3,00,000 spend · joining ₹2,500

🎁 Welcome (year 1)none

🏁 Milestones₹5,000 @ ₹5,00,000/year₹2,500 @ ₹8,00,000/year

✈️ Lounge✈12/yr dom🌏6/yr intl12 domestic + 6 Priority Pass

🌏 Forex markup2%+ GST on the markup

🔁 Redemption₹0.5/Reward Points ★★★☆☆₹0.50 on SmartBuy flights/hotels; ₹0.35 vouchers.

🧩 Simplicity★★★☆☆a few caps to track

🎯 Lifestylefuel waiverinsurance coverconcierge

🪪 EligibilityIncome ₹12L+/yr

At a glance

12 domestic + 6 international lounges
Milestone RP at ₹5L and ₹8L
2% forex markup

1.33% base value
Regalia Gold offers more for the same fee
Grocery capped

Compare Regalia with

HDFC Bank Regalia Gold vs HDFC Bank Regalia

Community Q&A on the Regalia

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the HDFC Bank Regalia?

Joining fee ₹2,500 and renewal fee ₹2,500, plus 18% GST (₹2,950 a year). The renewal fee is waived if you spend ₹3,00,000 in the card year.

Does the Regalia give airport lounge access?

12 domestic + 6 international/yr. 12 domestic + 6 Priority Pass.

How much can I save with the Regalia?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹4,226 a year, an effective savings rate of 1.3% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Regalia's reward exclusions and caps?

No rewards on fuel, rent. No monthly caps on the main earn rates.

Sources

HDFC Bank – Regalia product page

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: Regalia lounge access by airport · all HDFC Bank cards · change log.