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HDFC Regalia
HDFC • Visa

HDFC Regalia

Premium reward points with travel vouchers and lounge access milestones.

Annual Fee₹2500Waived on ₹4L annual spend
Base Reward0.6%On all spends
Lounge Access3324 domestic • 9 intl
Est. Annual Savings₹1,555Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹2,160

Assumes base reward rate only.

Annual fee₹2,500

Waived on ₹4L annual spend

Net value₹340

Estimated cost after fees.

Fee waiver target: ₹4,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
1.2%
Dining
1.0%
Shopping
1.0%
Basedefault
0.6%

Insights

Verified card-level notes, best use-cases, and watchouts.

Expand

Insights

  • HDFC Regalia is best positioned as a travel specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 1.2% on travel-aligned lanes, while broad base return remains closer to 0.6%.
  • Current mapped lounge footprint is 33, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 2,500 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹2,500
  • Annual fee₹2,500
  • Waiver threshold₹4,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹0.4
  • Travel value/point₹0.4
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count24
  • International count9
  • Quarterly limitNot listed
  • Airport-terminal rows33
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports25
  • Approval reports15

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

HDFC Regalia Gold

Annual fee: ₹2500

Shared focus: TravelHigher top earn rate (6.5%)No higher annual fee vs current card
View Details
Step 2

HDFC Bank Diners Club Privilege Credit Card

Annual fee: ₹2500

Shared focus: Travel, PremiumHigher top earn rate (3.3%)No higher annual fee vs current card
View Details
Step 3

Tata Neu Infinity

Annual fee: ₹1499

Shared focus: TravelHigher top earn rate (5.0%)Estimated +₹5,780/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for HDFC Regalia using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Verify current spend criteria for domestic and international lounge eligibility with HDFC.

Quarter / cycle rule

HDFC may apply cycle-based qualification windows before lounge usage.

Guest access

Validate current spend-linked unlock criteria, visit caps, and guest policy in latest HDFC terms before travel.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

33 airport lounge rows
View lounge map and location list33 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The Lounge (LBF)Domestic

AHM • Ahmedabad Airport • Terminal 1

Amritsar

1 lounges • 1 domestic • 0 international

1
PrimusDomestic

AMR • Amritsar Airport • Terminal 1

Bengaluru

3 lounges • 2 domestic • 1 international

3
080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Terminal 2

080 International LoungeInternational

BEN • Bengaluru Airport • Terminal 2

BLR Domestic LoungeDomestic

BEN • Bengaluru Airport • Terminal 1

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Terminal 1

Calicut

1 lounges • 0 domestic • 1 international

1
BirdInternational

CAL • Calicut Airport • Terminal 1

Chandigarh

2 lounges • 1 domestic • 1 international

2
Primus LoungeDomestic

CHA • Chandigarh Airport • Terminal 1

Primus LoungeInternational

CHA • Chandigarh Airport • Terminal 1

Chennai

4 lounges • 3 domestic • 1 international

4
Travel Club LoungeInternational

CHE • Chennai Airport • Terminal 2

Travel Club Lounge - T4Domestic

CHE • Chennai Airport • Terminal 4

Travel Club Lounge ADomestic

CHE • Chennai Airport • Terminal 1

Travel Club Lounge BDomestic

CHE • Chennai Airport • Terminal 1

Coimbatore

1 lounges • 1 domestic • 0 international

1
BlackBerryDomestic

COI • Coimbatore Airport • Terminal 1

Dehradun

1 lounges • 1 domestic • 0 international

1
BirdDomestic

DEH • Dehradun Airport • Terminal 1

Guwahati

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

GUW • Guwahati Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Encalm LoungeInternational

HYD • Hyderabad Airport • Terminal 1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Terminal 1

Jaipur

1 lounges • 1 domestic • 0 international

1
PrimusDomestic

JAI • Jaipur Airport • Terminal 1

Kochi

2 lounges • 1 domestic • 1 international

2
Earth LoungeDomestic

KOC • Kochi Airport • Terminal 1

Earth LoungeInternational

KOC • Kochi Airport • Terminal 3

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel Club LoungeDomestic

KOL • Kolkata Airport • Terminal 1

Travel Club LoungeInternational

KOL • Kolkata Airport • Terminal 2

Lucknow

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

LUC • Lucknow Airport • Terminal 2

Mumbai

4 lounges • 3 domestic • 1 international

4
Loyalty Lounge (Clipper)International

MUM • Mumbai Airport • Terminal 2

OASISDomestic

MUM • Mumbai Airport • Terminal T1B TERMINAL 1B

Travel Club LoungeDomestic

MUM • Mumbai Airport • Terminal T1C TERMINAL 1C

Travel Club Lounge (MALS)Domestic

MUM • Mumbai Airport • Terminal T2 TERMINAL 2

Pune

1 lounges • 1 domestic • 0 international

1
Earth LoungeDomestic

PUN • Pune Airport • Terminal 1

Thiruvananthapuram

1 lounges • 0 domestic • 1 international

1
Bird LoungeInternational

THI • Thiruvananthapuram Airport • Terminal 1

Vadodara

1 lounges • 1 domestic • 0 international

1
PremiumDomestic

VAD • Vadodara Airport • Main Terminal

Varanasi

1 lounges • 1 domestic • 0 international

1
Take Off BarDomestic

VAR • Varanasi Airport • Main Terminal

Redemption Optimizer

20,000
Estimated points20,000per year
→
Estimated redemption value₹8,000@ ₹0.40 / point

Typical voucher/cash-like path

Voucher / statement-style value

Illustration only. Final value depends on issuer program terms, partner ratios, and redemption availability at time of use.

Key Benefits

  • Reward points on everyday and accelerated travel spends
  • Domestic and international lounge access benefits
  • Milestone vouchers on higher annual spends

Things to Consider

  • Best value unlocks when annual spend milestones are met
  • Reward conversion value varies by redemption option

About HDFC Regalia

HDFC Regalia is a points card from HDFC, best for frequent travellers who want points plus lounge comfort. It is tagged under travel, premium, rewards categories in our database.

TravelPremiumRewards

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Frequently asked questions

Is HDFC Regalia lifetime free?

It has an annual fee of ₹2500. Waived on ₹4L annual spend

What rewards does HDFC Regalia offer?

Premium reward points with travel vouchers and lounge access milestones.

Does HDFC Regalia include lounge access?

HDFC Regalia lists 33 lounge visits (24 domestic, 9 international).

Who should consider HDFC Regalia?

Frequent travellers who want points plus lounge comfort

Where can I apply for HDFC Regalia?

Check the issuer website for application availability.