HDFC Bank Regalia Activ Credit Card
HDFC Bank
Annual / renewal fee
₹2,500 + GST (annual membership fee).
VerifiedMITC – General Personal Credit Cards (covers all Regalia variants)3 Aug 2026, 6:40 PM ISTHDFC Bank
Earn rate
- 4 Reward Points earned for every ₹150 spent (Reward Points earned for transaction amounts in multiples of ₹150; residual amounts or transactions below ₹150 will not earn Reward Points).
- Note: w.e.f 15th May 2026, accrual revised to 4 Reward Points for every ₹200 spent.
Verifiedharvested from product page3 Aug 2026, 6:40 PM ISTHDFC Bank
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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
Regalia Activ 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 GST).
VerifiedMITC – General Personal Credit Cards (covers all Regalia variants)3 Aug 2026, 6:40 PM ISTHDFC Bank
Annual / renewal fee
₹2,500 + GST (annual membership fee).
VerifiedMITC – General Personal Credit Cards (covers all Regalia variants)3 Aug 2026, 6:40 PM ISTHDFC Bank
Fee waiver
Confirm on the official page
Official source not yet captured
Rewards
- 4 Reward Points earned for every ₹150 spent (Reward Points earned for transaction amounts in multiples of ₹150; residual amounts or transactions below ₹150 will not earn Reward Points).
- Note: w.e.f 15th May 2026, accrual revised to 4 Reward Points for every ₹200 spent.
Verifiedharvested from product page3 Aug 2026, 6:40 PM IST
Redemption value
- Reward Points can be redeemed on SmartBuy or NetBanking.
- Redeem up to a maximum of 70% of booking value through Reward Points for flight and hotel bookings on SmartBuy (rest paid via card).
- Rewards Redemption Fee: ₹99 per redemption request.
- Cashback Redemption Charges: ₹50 per cashback redemption.
- Reward Points are valid only for 2 years from the date of accumulation.
- Value for cashback redemption against statement balance is up to 20 paise per point (w.e.f 1st November 2025).
VerifiedRegalia Activ Credit Card product page3 Aug 2026, 6:40 PM ISTHDFC Bank
Reward cap
- Maximum reward points that can be earned in a statement cycle for Regalia Activ is 50,000.
- Reward Points earned on Insurance transactions capped at 2,000 per month.
- Reward Points earned on Grocery transactions capped at 2,000 per calendar month.
- Utility transactions capped at 2,000 RP per calendar month.
- Telecom transactions capped at 2,000 RP per calendar month (w.e.f 1st Sep 2024).
- Redemption of Reward Points against statement balance (cashback) capped at 50,000 RP per calendar month.
- Flights & hotel bookings redemption on SmartBuy capped at 50,000 RP per calendar month.
VerifiedMITC (Most Important Terms & Conditions) – Regalia Activ Credit Card specific (updated 15 Dec 2025)3 Aug 2026, 6:40 PM ISTHDFC Bank
Reward exclusion
Verifiedharvested from product page3 Aug 2026, 6:40 PM ISTHDFC Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
- For Regalia/Super Premium cardholders (Policy Period 23rd July 2025 - 22nd July 2026): Air Accident cover of ₹1,00,00,000 (INR 10,000,000) to primary cardholder.
- Emergency Medical Expenses cover up to ₹15,00,000 (INR 1,500,000) for international travel outside India.
- Card Liability Cover up to ₹9,00,000 (INR 900,000) to primary cardholder.
- Insurance partner is HDFC Ergo.
- Claim to be raised directly with the insurance company.
- Terrorism specifically excluded.
Verifiedharvested from product page3 Aug 2026, 6:40 PM ISTHDFC Bank
Milestone benefit
- Annual Spends Benefit: Earn 10,000 Reward Points on annual spends of ₹5,00,000 or more in each anniversary year, and an additional 5,000 Reward Points (total 15,000) on annual spends of ₹8,00,000 or more in the same anniversary year (365 days).
- Anniversary year is 365 days from card setup or last upgrade/downgrade date.
Verifiedharvested from product page3 Aug 2026, 6:40 PM ISTHDFC Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Foreign currency transaction markup: 2% of transaction value (currency conversion rate as on settlement date applicable).
VerifiedMITC (Most Important Terms & Conditions) – Regalia Activ Credit Card specific (updated 15 Dec 2025)3 Aug 2026, 6:40 PM ISTHDFC Bank
Fuel surcharge waiver
- 1% fuel surcharge waiver at all fuel stations across India on minimum transaction of ₹400 and maximum transaction of ₹5,000.
- Maximum waiver of ₹500 per statement cycle (GST on fuel surcharge not reversed).
VerifiedMITC (Most Important Terms & Conditions) – Regalia Activ Credit Card specific (updated 15 Dec 2025)3 Aug 2026, 6:40 PM ISTHDFC Bank
Interest-free period
- Interest free (grace) period could range from 20 to 50 days, subject to the scheme and submission of claims by the merchant.
- Not applicable if previous month's balance is not cleared in full or if cash has been availed from ATM.
VerifiedMITC – General Personal Credit Cards (covers all Regalia variants)3 Aug 2026, 6:40 PM 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 Regalia Activ Credit Card?
Officially traced: Rs. 2,500 + GST (annual membership fee).
MITC – General Personal Credit Cards (covers all Regalia variants)What is the joining fee on the Regalia Activ Credit Card?
Officially traced: Rs. 2,500 (plus applicable GST).
MITC – General Personal Credit Cards (covers all Regalia variants)How does the Regalia Activ Credit Card earn rewards?
4 Reward Points earned for every Rs. 150 spent (Reward Points earned for transaction amounts in multiples of Rs. 150; residual amounts or transactions below Rs. 150 will not earn Reward Points).
harvested from product pageWhat are the transfer ratios for Regalia Activ 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.
VerifiedRegalia Activ Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:09 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.