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HDFC Bank

HDFC Bank Regalia Credit Card

HDFC Bank Regalia Credit Card

  • Joining Fee :

    Rs. 2,500 + GST

  • Renewal Fee :

    Rs. 2,500 + GST

  • Reward Type :

    Reward Points

Welcome Benefits

2,500 bonus Reward points

Best suited for

Travel | Shopping

Product Details

  • Welcome bonus of 2,500 Reward Points.

  • 4 Reward Points on every Rs. 150 you spend on retail.

  • Earn a total of 15,000 bonus Reward Points on spending Rs. 8 lakhs in an anniversary year.

  • Get up to 20% off on partner restaurants via Swiggy Dineout

  • Complimentary membership to the Priority Pass program.

  • 6 complimentary Lounge Access at airports outside India and 12 within India.

  • Low international transaction charges of 2%.

  • Renewal fee waived off on spending over 3 lakhs in the previous year.

  • 1% fuel surcharge waiver capped at a maximum Rs. 500 per month

  • Travel insurance benefit in case air accident worth up to Rs. 1 crore.

Rewards & Benefits

  • Movie & Dining

  • Get up to 20% off on partner restaurants via Swiggy Dineout only when the payment is made through the Swiggy application.

  • Rewards Rate

  • 4 reward points every time one spends Rs. 150.

  • Reward Redemption

  • 1 RP = Rs. 0.5 for redemption against flights and hotel bookings on HDFC Smartbuy website, 1 RP = up to Rs. 0.35 if you want to redeem against vouchers and poducts, 1 RP = Rs 0.20 for cash back, and Air miles conversion at a value of 1RP = 0.5 air mile.

  • Travel

  • Complimentary Domestic and International Lounge Access. You get travel-related insurance benefits as well.

  • Golf

  • N/A

  • Domestic Lounge Access

  • 8 free airport lounge access per year within India.

  • International Lounge Access

  • 6 airport lounge access every year outside India through the Priority Pass.

  • Insurance Benefits

  • Insurance cover worth Rs. 1 Crore against accidental air death and coverage of up to Rs. 15 lakhs against emergency hospitalization for overseas treatment.

  • Zero Liability Protection

  • You get zero liability protection cover up to Rs 9 lacs in case of misuse or loss of card.

Fees & Charges

  • Spend Based Waiver

  • Get the annual fee waived off (second-year onwards) by spending more than 3 lakh in the previous year.

  • Rewards Redemption Fee

  • Rs 99 (plus applicable taxes)

  • Rewards Redemption Fee

  • Rs 99 (plus applicable taxes)

  • Foreign Currency Markup

  • 2% on all foreign currency transactions.

  • Interest Rates

  • 3.6% per month or 43.2% annually

  • Fuel Surcharge

  • 1% fuel surcharge waiver at all fuel stations in India on a minimum of Rs. 400 transaction and a maximum of Rs. 5000 transaction.

  • Cash Advance Charges

  • 2.5% of the transaction amount or Rs. 500 (whichever is higher)

  • Add-on Card Fee

  • Nil

Live UPI withdrawals

₹20 is the minimum earnings required for withdrawal

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1
Login

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2
Shop through us

Search for the retailer you want to shop on, go to retailer and shop normally as you would otherwise do.

3
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We track your transaction on the retailer website and credit freeupicash to your account.

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Ways to earn
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₹20
Min. withdrawal amount ( UPI )