HDFC Bank Doctors Regalia Credit Card
HDFC Bank
Annual / renewal fee
₹2,500 (plus applicable taxes).
VerifiedMITC – Personal Credit Cards (English) — covers Doctor's Regalia5 Aug 2026, 2:35 AM ISTHDFC Bank
Earn rate
- Reward Points earned on transaction amounts in multiples of ₹150 (residual amounts or transactions below ₹150 do not earn Reward Points).
- Credit Card purchases via UPI earn up to a maximum of 500 points in a calendar month.
VerifiedKey Fact Statement cum MITC – Part I (Regalia family, incl. Doctor's Regalia)5 Aug 2026, 2:35 AM ISTHDFC Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Doctors Regalia Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹2,500 (plus applicable taxes).
VerifiedKey Fact Statement cum MITC – Part I (Regalia family, incl. Doctor's Regalia)5 Aug 2026, 2:35 AM ISTHDFC Bank
Annual / renewal fee
₹2,500 (plus applicable taxes).
VerifiedMITC – Personal Credit Cards (English) — covers Doctor's Regalia5 Aug 2026, 2:35 AM ISTHDFC Bank
Fee waiver
Annual membership fee / renewal charges for next year waived on minimum spend of ₹3 Lakh per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal transactions).
VerifiedMITC – Personal Credit Cards (English) — covers Doctor's Regalia5 Aug 2026, 2:35 AM ISTHDFC Bank
Renewal fee
₹2,500 (plus applicable taxes) per annum.
VerifiedMITC – Personal Credit Cards (English) — covers Doctor's Regalia5 Aug 2026, 2:35 AM ISTHDFC Bank
Rewards
- Reward Points earned on transaction amounts in multiples of ₹150 (residual amounts or transactions below ₹150 do not earn Reward Points).
- Credit Card purchases via UPI earn up to a maximum of 500 points in a calendar month.
VerifiedKey Fact Statement cum MITC – Part I (Regalia family, incl. Doctor's Regalia)5 Aug 2026, 2:35 AM IST
Redemption value
- Rewards Redemption Fee: ₹99 per redemption request.
- Cashback Redemption Charges: ₹50 per cashback redemption.
- Reward Points/CashPoints valid only for 2 years from date of accumulation.
- For flight and hotel bookings, cardmembers can redeem up to a maximum of 70% (retail/business Regalia variants via HDFC Bank Smartbuy, since 25th Nov 2019) or 50% (via HDFC Bank Smartbuy for other groupings).
- For Closed Cards, reward points available for redemption only for 30 days from date of card closure.
VerifiedMITC – Personal Credit Cards (English) — covers Doctor's Regalia5 Aug 2026, 2:35 AM ISTHDFC Bank
Reward cap
- Fair Usage Policy: max Reward Points earnable in a statement cycle for Regalia Gold, Regalia, Regalia Activ, Business Regalia, Diners Privilege, Diners ClubMiles, Diners Premium is 50,000.
- Insurance transactions capped at 2,000 Reward Points per month (w.e.f 1st Jul 2025) for cards other than premium Diners/Infinia.
- Grocery transactions capped at 2,000 Reward Points per month.
- Utility transactions capped at 2,000 Reward Points per calendar month.
- Telecom transactions capped at 2,000 per calendar month (w.e.f 1st Sep 2024).
- Credit Card purchases via UPI earn up to a max of 500 points per calendar month.
VerifiedMITC – Personal Credit Cards (English) — covers Doctor's Regalia5 Aug 2026, 2:35 AM ISTHDFC Bank
Reward exclusion
- Rent payments and Online Skill-Based gaming transactions do not earn Reward Points on all cards.
- EasyEMI and e-wallet loading transactions do not accrue Reward Points (accrued points reversed).
- Reward Points accrued reversed if a retail transaction is converted into SmartEMI.
- Fuel transactions do not accrue Reward Points for certain co-brand cards.
VerifiedMITC – Personal Credit Cards (English) — covers Doctor's Regalia5 Aug 2026, 2:35 AM ISTHDFC Bank
Travel & lounge
Lounge access
- Domestic: complimentary airport lounge access within India (swipe card at lounge terminal, ₹2 debited and reversed).
- International: Complimentary Priority Pass membership for Primary and Add-on card holders offered on request via phone banking, after minimum 4 retail transactions.
- Visits exceeding complimentary limit charged at USD 27 + taxes per visit.
- Priority Pass lounge visits within India charged at USD 27 (INR equivalent) + taxes per person per visit.
VerifiedMITC – Personal Credit Cards (English) — covers Doctor's Regalia5 Aug 2026, 2:35 AM ISTHDFC Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Welcome benefit of 2,500 reward points (applicable only after the membership fee is paid; not applicable when fee is waived off).
VerifiedDoctors Regalia Credit Card product page5 Aug 2026, 2:35 AM ISTHDFC Bank
Insurance
- Professional Indemnity Insurance Cover for HDFC Bank Doctor's Regalia cardholders (HDFC ERGO Policy No: 2999203617950402000): Sum Insured ₹20,00,000 per card in aggregate.
- Any one incident ₹4,00,000 per card.
- Deductible ₹25,000 for each and every claim.
- Covers claims from alleged bodily injury/death of patient caused by error, omission or negligence in professional service.
- Legal & defense cost on reimbursement basis.
- Out-of-court settlement & court awards.
- Policy coverage starts from date of Credit Card set up.
Verifiedharvested from product page5 Aug 2026, 2:35 AM ISTHDFC Bank
Milestone benefit
- Earn Bonus 10,000 Reward Points on spending ₹5 lakh in the anniversary year.
- Earn additional 5,000 Reward Points on spending ₹8 lakh in the anniversary year.
VerifiedDoctors Regalia Credit Card product page5 Aug 2026, 2:35 AM ISTHDFC Bank
Eligibility
Eligibility
Priority Pass can be applied for self and add-on members after completing minimum 4 retail transactions on the Doctor's Regalia Credit Card.
VerifiedDoctors Regalia Credit Card product page5 Aug 2026, 2:35 AM ISTHDFC Bank
Charges & interest
Forex markup
2% of transaction value on foreign currency transactions.
VerifiedKey Fact Statement cum MITC – Part I (Regalia family, incl. Doctor's Regalia)5 Aug 2026, 2:35 AM ISTHDFC Bank
Charge
- Cash advance fee: 2.5% or ₹500 whichever is higher.
- Finance charges (revolving credit & cash advances): 3.75% per month (45% per annum).
- Late payment charges (w.e.f 1st Aug'24): Nil up to ₹100.
- ₹100 for ₹101-500.
- ₹500 for ₹501-1,000.
- ₹600 for ₹1,001-5,000.
- ₹750 for ₹5,001-10,000.
- ₹900 for ₹10,001-25,000.
- ₹1,100 for ₹25,001-50,000.
- ₹1,300 above ₹50,000.
- Over-limit charge: 2.5% of overlimit amount, min ₹550.
- Payment return charge: 2% of payment, min ₹450.
- Dynamic currency conversion markup fee: 1.75% (w.e.f 15th May 2026) on transactions in INR at international location or India-based overseas-registered merchants.
- Cash processing fee: ₹100.
- Rewards redemption fee: ₹99 per request.
- Cashback redemption charges: ₹50 per redemption.
- Reissue of lost/stolen/damaged card: ₹199 non-metal, ₹3,500 metal.
- Add-on card fee: Lifetime Free.
- Balance transfer processing: 1% of BT amount or ₹250 whichever higher.
- Rent Pay: 1% of transaction, capped ₹4999 (w.e.f 1st Jul 2025).
- Fuel charge: 1% on fuel transaction exceeding ₹15,000 (consumer), capped ₹4999.
- Utility charge: 1% on utility spends exceeding ₹50,000/calendar month (consumer), capped ₹4999.
- Education charge: 1% via third-party apps, capped ₹4999.
- Online skill-based gaming: 1% on spends exceeding ₹10,000/month, capped ₹4999 (w.e.f 1st Jul 2025).
- Wallet loading (excl PayZapp): 1% on spends exceeding ₹10,000/month, capped ₹4999 (w.e.f 1st Jul 2025).
- Railway ticket purchase fee: 1% + GST.
- Card validation charge: ₹2.
- GST: applicable on all fees, interest, charges.
VerifiedMITC – Personal Credit Cards (English) — covers Doctor's Regalia5 Aug 2026, 2:35 AM ISTHDFC Bank
Fuel surcharge waiver
- 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5,000.
- Maximum waiver of ₹500 per statement cycle (waiver capped at 1% of eligible fuel transaction amounts; GST on fuel surcharge not reversed).
VerifiedMITC – Personal Credit Cards (English) — covers Doctor's Regalia5 Aug 2026, 2:35 AM ISTHDFC Bank
Interest-free period
- Interest free (grace) period could range from 20 to 50 days, subject to the scheme applicable and submission of claims by the merchant.
- Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.
VerifiedMITC – Personal Credit Cards (English) — covers Doctor's Regalia5 Aug 2026, 2:35 AM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Doctors Regalia Credit Card?
Officially traced: Rs. 2,500 (plus applicable taxes).
MITC – Personal Credit Cards (English) — covers Doctor's RegaliaWhat is the joining fee on the Doctors Regalia Credit Card?
Officially traced: Rs. 2,500 (plus applicable taxes).
Key Fact Statement cum MITC – Part I (Regalia family, incl. Doctor's Regalia)Is the Doctors Regalia Credit Card annual fee ever waived?
Annual membership fee / renewal charges for next year waived on minimum spend of Rs. 3 Lakh per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal transactions).
MITC – Personal Credit Cards (English) — covers Doctor's RegaliaHow does the Doctors Regalia Credit Card earn rewards?
Reward Points earned on transaction amounts in multiples of Rs. 150 (residual amounts or transactions below Rs. 150 do not earn Reward Points).
Key Fact Statement cum MITC – Part I (Regalia family, incl. Doctor's Regalia)What lounge access does the Doctors Regalia Credit Card include?
Domestic: complimentary airport lounge access within India (swipe card at lounge terminal, Rs. 2 debited and reversed).
MITC – Personal Credit Cards (English) — covers Doctor's RegaliaWhat welcome benefit does the Doctors Regalia Credit Card offer?
Welcome benefit of 2,500 reward points (applicable only after the membership fee is paid.
Doctors Regalia Credit Card product pageWhat are the transfer ratios for Doctors Regalia Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/indian-oil-hdfc-bank-credit-card/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf.
VerifiedDoctors Regalia Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:10 AM ISTHDFC Bank
Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.