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HDFC Bank Regalia Activ Credit Card
HDFC • Visa

HDFC Bank Regalia Activ Credit Card

Premium-mid HDFC travel card with Regalia points, domestic lounge network, and Priority Pass-linked international access.

Annual Fee₹2500Annual fee waiver can apply on spend milestones; verify latest threshold with HDFC
Base Reward1.3%On all spends
Lounge Access3324 domestic • 9 intl
Est. Annual Savings₹-298Based 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₹4,680

Assumes base reward rate only.

Annual fee₹2,500

Annual fee waiver can apply on spend milestones; verify latest threshold with HDFC

Net value₹2,180

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
3.0%
Dining
2.0%
Basedefault
1.3%
International
1.3%

Insights

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

Expand

Insights

  • HDFC Bank Regalia Activ Credit Card is best positioned as a travel + international specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 3.0% on travel-aligned lanes, while broad base return remains closer to 1.3%.
  • Current mapped lounge footprint is 33, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and international 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.

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Offer Truth

  • Joining fee₹2,500
  • Annual fee₹2,500
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • 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

Marriott Bonvoy HDFC Bank Credit Card

Annual fee: ₹3000

Shared focus: Travel, Rewards+9 more lounge visits in current datasetEstimated +₹1,808/yr value
View Details
Step 2

HDFC Regalia Gold

Annual fee: ₹2500

Shared focus: TravelHigher top earn rate (6.5%)Estimated +₹2,759/yr value
View Details
Step 3

HDFC Bank Diners Club Privilege Credit Card

Annual fee: ₹2500

Shared focus: Travel, PremiumHigher top earn rate (3.3%)Estimated +₹2,001/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 Bank Regalia Activ Credit Card 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

Domestic and partner-program lounge usage can include spend or activity qualification windows; verify latest HDFC terms.

Quarter / cycle rule

Visit caps and cycle validation can apply by quarter or membership year based on active lounge program terms.

Guest access

Guest access is lounge-program dependent and may require separate fee/entitlement checks.

Priority Pass

Priority Pass-linked international lounge access is listed for Regalia Activ, with issuance/activation conditions.

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 Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Domestic lounge footprint across listed terminals in India
  • Priority Pass-linked international lounge access
  • Regalia reward points on daily and travel spends
  • Travel and lifestyle value with milestone-led structure

Things to Consider

  • Not lifetime free
  • Priority Pass issuance and use can have activation rules
  • Spend and quarterly lounge conditions can be revised by issuer

About HDFC Bank Regalia Activ Credit Card

HDFC Bank Regalia Activ Credit Card is a points card from HDFC, best for existing hdfc users looking for a regalia-tier travel upgrade. It is tagged under travel, premium, rewards, international categories in our database.

TravelPremiumRewardsInternational

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Frequently asked questions

Is HDFC Bank Regalia Activ Credit Card lifetime free?

It has an annual fee of ₹2500. Annual fee waiver can apply on spend milestones; verify latest threshold with HDFC

What rewards does HDFC Bank Regalia Activ Credit Card offer?

Premium-mid HDFC travel card with Regalia points, domestic lounge network, and Priority Pass-linked international access.

Does HDFC Bank Regalia Activ Credit Card include lounge access?

HDFC Bank Regalia Activ Credit Card lists 33 lounge visits (24 domestic, 9 international).

Who should consider HDFC Bank Regalia Activ Credit Card?

Existing HDFC users looking for a Regalia-tier travel upgrade

Where can I apply for HDFC Bank Regalia Activ Credit Card?

Check the issuer website for application availability.