HDFC Bank Regalia Activ Credit Card

Fee waiver rule

Renewal fee waived off if you spend more than ₹3 lakh in the previous year.

Add-on card fee

₹0

Welcome benefit

Gift voucher worth ₹250 (Amazon voucher) on activating Credit Card within 37 days

Reward rate

4 Reward Points per ₹200 · everyday spends4 Reward Points for every ₹200 spent.

Government spend earning

Government related transactions will not earn Reward Points /CashPoints.

Groceries earning

Grocery transactions will be capped per month to 2000 Reward Points.

Insurance spend earning

4 Reward Points for every ₹200 retail spends including Insurance

Rent earning

Rent payments will not earn Reward Points /CashPoints.

Reward exclusions

Online Skill - Based gaming transactions will not earn Reward Points /CashPoints.

Reward caps

Maximum of 500 reward points can be earned in a calendar month on UPI spends

Cashback redemption

CashBack at a value of 1 RP = ₹0.15.

Catalogue redemption

1 RP = up to ₹0.35 for Products and Vouchers via NetBanking or SmartBuy

Flight redemption

1 RP = ₹0.5 for flights and hotel bookings via SmartBuy.

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.

Point expiry

Valid only for 2 years

Airline and hotel partners points may move to

Airmiles conversion through netbanking at a value of 1RP = ₹0.5 airmile.

International lounge access

6 complimentary airport lounge access outside India.

Domestic lounge access

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

Priority Pass

Using Priority Pass, you and your add-on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India

Milestone benefits

10,000 Bonus Reward Points on spends of ₹5 lakh, and an additional 5,000 Reward Points on spends of ₹8 lakh in an anniversary year

Retention or continued-access criteria

The Bank reserves the right to cancel the Card in case the Card remains inactive and is not used for effecting any transaction for a continuous period of 6 (Six) months.

Fuel surcharge waiver

1% fuel surcharge waiver at all fuel stations across India.

Surcharge on railway tickets

1%

Air accident cover

Air Accident Death Cover up to ₹1 crore (USD 125,000)

Lost card liability

Lost Card Liability Cover protection up to ₹9 lakh

Medical and hospitalisation cover

Emergency Overseas Hospitalisation coverage up to ₹15 lakh (USD 18,750)

Balance transfer terms

Balance Transfer Processing Charges: 1% of BT amount or ₹250, whichever is higher.

Purchase to EMI conversion

Convert eligible high-value purchases into EMIs after the transaction.

Dynamic currency conversion markup

With effect from 15th May 2026, a markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants located in India but registered overseas

Forex markup

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

Cash advance fee

A transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher would be levied on the amount withdrawn

Cash advance interest

All cash advances also carry a finance charge equal to charges on revolving credit, from the date of withdrawal until the date of full payment

Cash withdrawal limit

40% of the Credit Limit.

Interest on unpaid balance

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

Interest-free period

The interest free credit period could range from 20 to 50 days subject to the scheme applicable on the specific Credit Card

Late payment fee

Nil to ₹1,300 (excl. GST), by bill amount

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

₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit 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 (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.

EMI conversion fee

Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant

Fee on online skill-based gaming spends

From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee 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, levied on the amount withdrawn and billed in the next statement.

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

What the card's fee or benefit year means

Eg: 15th July, 2024 is the card open date, then customer anniversary year will be from 15th July, 2024 to 14th July, 2025 and so on.

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards); fee applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

From 1st July 2025, 1% fee on transaction amount 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 (₹75,000 per calendar month for business cards), applied on the total utility spends in a calendar month; fee capped at ₹4999 per month.

GST note

GST is applicable on all Fees, Interest, and other Charges

Minimum amount due

Total GST + EMI amount + 100% of Fees/Charges + 5% of (Finance Charge + Retail Spends + Cash Advance); if that 5% is less than the Finance Charge, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance); plus Overlimit Amount (if any)

Income requirement

Net income of at least ₹25,000/month.