70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal year; joining costs and taxes excluded.
Route this card to travel and international spends first, then shift spillover transactions to stronger category alternatives
points-value realization depends on redemption choice and transfer use
For Existing HDFC users looking for a Regalia-tier travel upgrade. 0.8% on travel spend. ₹2,500 annual fee. Verify the lounge spend rule before applying.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Existing HDFC users looking for a Regalia-tier travel upgrade
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
These are objective same-bank step-up options from the current rewards and lounge model.
Annual fee: ₹2500
Annual fee: ₹1499
Annual fee: ₹1000
Founders and frequent business travelers with high annual spend
Marriott Loyalists & Travelers
Frequent travellers who want points plus lounge comfort
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹2,500
Annual fee waiver can apply on spend milestones; verify latest threshold with HDFC
Travel spend
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
24 domestic • 9 international policy count
Card-level policy notes: • Priority Pass issuance and use can have activation rules • Spend and quarterly lounge conditions can be revised by issuer • Domestic lounge footprint across listed terminals in India • Priority Pass-linked international lounge access Policy override notes: • Regalia Activ is positioned with domestic lounge coverage plus Priority Pass-linked international access. • Priority Pass issuance can require card activity conditions per issuer policy. • Domestic and partner-program lounge usage can include spend or activity qualification windows; verify latest HDFC terms. • Visit caps and cycle validation can apply by quarter or membership year based on active lounge program terms. • Guest access is lounge-program dependent and may require separate fee/entitlement checks. • Priority Pass-linked international lounge access is listed for Regalia Activ, with issuance/activation conditions. - Source file: HDFC Infinia / Regalia Gold domestic lounge list PDF. - Source header states this list applies to Infinia and Regalia Gold variants. - Validate current spend-linked unlock criteria, visit caps, and guest policy in latest HDFC terms before travel. Verify latest spend criteria and guest access with issuer before travel.
Mapped from issuer lounge dataset + card policy signals
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
This card does not have publishable enrichment records in the current high-confidence snapshot.
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.