What is the annual fee for Doctor's Regalia Credit Card?

The Doctor's Regalia Credit Card has zero annual fee and zero joining fee, making it completely free to hold. The fee waiver applies automatically on ₹3.0L annual spend, ensuring no charges even if you don't meet the threshold.

How to apply for Doctor's Regalia Credit Card?

You can apply for the Doctor's Regalia Credit Card directly through HDFC Bank's website or mobile app. Visit OnePaisa to compare this card with alternatives and get direct links to the application process.

What rewards does Doctor's Regalia Credit Card offer?

The card earns 4% reward points on all purchases, with a welcome bonus of 2500 reward points upon approval. Points can be redeemed for travel, shopping, and lifestyle benefits, making it excellent for regular spenders seeking high returns.

What are the eligibility criteria for Doctor's Regalia Credit Card?

Eligibility criteria are not fully specified in the card details provided. HDFC Bank typically requires a stable income, good credit score, and professional credentials for premium cards. Check the issuer's website or contact HDFC directly for exact requirements.

Does Doctor's Regalia Credit Card offer airport lounge access?

Yes, the card includes 12 complimentary domestic lounge visits per year and Priority Pass membership for enhanced airport experiences. This is particularly valuable for professionals with frequent travel schedules.

Is Doctor's Regalia Credit Card worth it?

The card offers excellent value for medical professionals with zero annual fees, 4% rewards on all spending, and premium lounge access—ideal if you spend ₹25,000+ monthly. The fee waiver at ₹3.0L annual spend ensures it remains free, making it worthwhile for active cardholders.

HDFC BankVISA

Doctor's Regalia Credit Card

LifestylePremiumVisaMastercard

Doctor's Regalia Credit Card

Premium rewards for doctors—4% points, free lounges, zero fees

Annual fee₹2,500Waived on ₹3.0L spend

Rewards2.67%4 Reward Point per ₹150

Forex markup3.5%3.5% on all your foreign currency spends

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Welcome benefits

2500 reward points

Type: Reward Points
Trigger: Fee Payment

Rewards

Base earn rate

Earn 4 Reward Points on every ₹150 spent. You can earn up to 4 RP on retail spending for every ₹150 spent on the card.

Regalia Reward Points

Excludes: Fuel, Rental Pay, Property Management, Government Transactions, Easy Emi, E Wallet Loading

Category	Rate	Cap
SmartBuy Portal	—	—

• Reward Points are valid for only 2 years from the date of accumulation. For example, if you receive Reward Points in April 2019, they expire in April 2021.
• Redemption fee: ₹99

Milestone benefits

Milestone Memberships/ Vouchers by logging in to the dedicated Regalia SmartBuy Portal with a real time Milestone dashboard. Cardholders earn 10,000 Reward Points on achieving annual spends of ₹5 lakh. Cardholders earn an additional 5,000 Reward Points on achieving annual spends of ₹8 lakh in the same anniversary year. Renewal fee benefit of 2500 reward points (applicable only after the membership fee is realised and not applicable when the fee is waived).

Lounge access

Domestic

12visits / year

Max 2 per quarter
Requires ₹1,00,000 prior spend

VisaMastercard

International

Priority Pass

6complimentary visits

Membership value USD 27

Fees & charges

Joining fee: ₹2,500 plus applicable taxes
Annual / renewal fee: ₹2,500 plus applicable taxes
Annual fee waiver: Membership fee will be waived on spends of ₹3 lakh in the anniversary year
Interest rate: Enjoy Revolving Credit on your HDFC Bank Regalia Credit Card at nominal interest rate
Interest-free period: 50 days
Cash advance fee: Transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher on ATM withdrawals. Cash withdrawal limit: 40% of credit limit.
Overlimit fee: 2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).
Payment dishonour: 2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.
Forex markup: 3.5% on all your foreign currency spends
DCC markup: 3.50%
Rent payment fee: 1% (w.e.f. Jul 2025)
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns

Late payment

Outstanding amount	Late fee
Up to ₹100	Nil
₹101-500	₹100
₹501-1,000	₹500
₹1,001-5,000	₹600
₹5,001-10,000	₹750
₹10,001-25,000	₹900
₹25,001-50,000	₹1,100
More than ₹50,000	₹1,300

Insurance covers

Air accident

₹100L

Accidental air death cover worth ₹1 crore (USD 125,000). Cover is applicable in case the cardholder shall sustain any air accident and suffer a bodily injury resulting in death within 12 months of the accident.

Fraud liability

Zero Lost Card Liability: Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank's 24-hour Call Centre. Fraudulent transactions done by a person known to the cardholder are specifically excluded.

Lost card liability

₹9L

Travel insurance

₹15L

Medical emergency

₹15L

Credit liability

₹9L

Eligibility

The documents required to apply for the Doctor's Regalia Credit Card include identity proof (such as Aadhaar card and PAN card), address proof (such as utility bills or passport), and income proof (such as salary slips or income tax returns). The Doctor's Regalia Credit Card is an exclusive premium card designed for doctors.