HDFC Bank Doctors Regalia Credit Card

Joining fee

₹2,500 + GST

Renewal fee

₹2,500 + GST

Fee waiver rule

Spend ₹3L in 12 Months and get Renewal Fee waived for next renewal year.

Add-on card fee

₹0

Welcome benefit

Welcome Benefit of 2500 Reward Points (applicable only after the membership fee is realised and not applicable when the fee is waived off)

Reward rate

4 reward points per ₹150 · everyday spends4 reward points on every ₹150 of retail spends including Insurance, Utilities, Education and Rent Pay

EMI spend earning

Reward points accrued will be reversed if a retail transaction is converted into SmartEMI.

Fuel earning

Reward points will not be accrued for fuel transactions.

Reward exclusions

EasyEMI and e-wallet loading transactions will not accrue Reward points.

Reward caps

Reward Points accrued for insurance transactions will have a cap of 2000 per month.

What one reward unit is worthFlight redemption

Each Reward Point is worth 50 paise when redeemed on https://offers.smartbuy.hdfc.bank.in/v2/regalia/home.

Hotel redemption

For flight and hotel bookings, Credit Card members can redeem up to a maximum of 70% of the booking value through Reward Points /CashPoints.

Redeeming points for travel

Redeem Reward Points instantly against Airline ticket booking and Hotel booking.

Voucher and product redemption

Redemption Program for Flight and Hotel Bookings, Premium Products & Vouchers and Curated Global Experiences.

Point expiry

Reward points are valid only for 2 years from the date of accumulation

International lounge access

Up to 6 Complimentary Lounge Access per calendar year, outside India

Domestic lounge access

12 complimentary access per calendar year within India (both at domestic and international terminals)

Priority Pass

Apply for Priority Pass for self and add-on members once you complete minimum 4 retail transactions

Concierge

Travel Concierge – 24 X 7; customise travel, shopping and business experiences.

Milestone benefits

Earn Bonus 10,000 Reward Points on spend of ₹5 lakhs in anniversary year

Renewal benefit

2500 Reward Points on renewal (applicable only after membership fee is realised and not applicable when fee is waived off)

Fuel surcharge waiver

1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5000.

Surcharge on railway tickets

1% of the transaction

Air accident cover

Accidental air death cover worth ₹1 Crore.

Credit shield cover

Credit Liability cover of up to ₹9,00,000

Insurance benefit

Professional Indemnity Insurance: protection worth up to ₹20 Lakh against costs arising due to professional negligence

Lost card liability

The cardmember is wholly liable for all transactions prior to reporting the loss of the card; after the bank receives proper notification of the loss, the cardmember's subsequent liability is zero.

Medical and hospitalisation cover

Emergency overseas hospitalisation up to ₹15 lakhs in case of emergency

Balance transfer terms

Balance Transfer Processing Charges: 1%.

Dynamic currency conversion markup

With effect from 15th May 2026, a Markup fee of 1 .75 % will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas

Forex markup

3.5% on foreign currency transactions.3.50% of transaction value

Cash advance fee

2.5% or ₹500 whichever is higher.

Cash advance interest

Cash advances carry a finance charge equal to charges on revolving credit from the date of withdrawal until the date of full payment

Cash withdrawal limit

Cash withdrawal limit: 40% of the Credit Limit.

Interest on unpaid balance

3.75% per month (i.e., 45% per annum)

Interest-free period

Interest free credit period could range from 20 to 50 days, subject to the scheme applicable on the specific Credit Card and the submission of claims by the merchant

Late payment fee

Less than equal to ₹100: Nil; ₹101 to ₹500: ₹100/-; ₹501 to ₹1,000: ₹500/-; ₹1,001 to ₹5,000: ₹600/-; ₹5,001 to ₹10,000: ₹750/-; ₹10,001 to ₹25,000: ₹900/-; ₹25,001 to ₹50,000: ₹1100/-; More than ₹50,000: ₹1300/.

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

Duplicate physical statement charges: ₹10 per duplicate physical statement.

Card replacement fee

Reissue of Lost, Stolen or Damaged Card: ₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

Cash Processing Fee: ₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Charge for lounge visits beyond the free limit

If you exceed the 6 Complimentary visits, you will be charged at US $27 + GST per visit

Education / school fee charge

1% fee on Education transactions done through third party applications like CRED, Nobroker, Cheq, capped at ₹4999 per transaction.

EMI conversion fee

Smart EMI processing fee: upto ₹849 (exclusive of GST for all loan amounts)

Fee on online skill-based gaming spends

1% fee on Online Skill based gaming spends exceeding ₹10,000 in a calendar month, applied on the total gaming spends in a calendar month, capped at ₹4999 per month.

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500 whichever is higher on the amount withdrawn.

Reward redemption fee

₹99 + GST per catalogue redemption request

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on Fuel transaction exceeding ₹15,000 for consumer cards, applied on the total transacted amount, capped at ₹4999 per transaction.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards, applied on the total utility spends in a calendar month, capped at ₹4999 per month.

GST note

Goods and Services Tax (GST) at a rate of 18%; for fees, charges or interest billed on the statement date, the GST is reflected in the following month's statement

Minimum amount due

MAD = Total GST + EMI amount + 100% of Fees/Charges + Over-limit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) where that 5% is higher than the Finance Charge; where it is less, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance) instead. MAD at or below ₹200 is charged as ₹200; if Total Amount Due is ₹200 or lower, MAD equals it.

Documents required

Identity proof (Aadhaar card and PAN card), address proof (utility bills or passport), and income proof (salary slips or income tax returns)