HDFC Regalia Credit Card
#9 in General Credit Card · Rated 4.2
India’s Regalia: premium lifestyle/rewards card
HDFC Regalia is a longstanding premium credit card in India aimed at affluent customers who travel and shop frequently. It typically offers elevated rewards on travel, dining, and lifestyle purchases, with lounge access, insurance protections, and concierge services. The card’s benefits are complemented by regional partnerships and SmartBuy redemption options, plus multipliers on travel-related spends. In 2025, HDFC has continued to emphasize premium benefits and evolving terms, with Regalia variants continuing to be a staple in the Indian premium card market. See official HDFC Regalia page for current terms and offers. ([hdfc.bank.in](https://www.hdfc.bank.in/credit-cards/regalia-credit-card?utm_source=openai))
Features
- 4x Reward Points on dining; 10x on travel via SmartBuy
- Lounge access (domestic/international within terms)
- Global assistance and concierge services
Pros
- Strong travel/dining multipliers; premium ecosystem
Cons
- Annual fee; benefits vary by region and offer cycles