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Regalia Activ Credit Card

No longer offered

HDFC Bank is no longer accepting applications for this card. Existing cardholders continue to be served, so the fees and features below are kept here for reference. There is no application or eligibility check to offer.

Premium lounge access without the annual fee burden

Annual fee₹2,500Waived on ₹3.0L spend
Rewards1%Assumes 1 RP = ₹0.5 via SmartBuy flight & hotel bookings (issuer's marketed primary redemption path); travel redemption capped at max 70% of booking value and 50,000 RP per calendar month via SmartBuy; other paths lower (catalogue ₹0.35, cashback ₹0.20, airmiles up to 0.5/RP)
Forex markup3.5%3.5% on all foreign currency transactions

Welcome benefits

worth ₹250

Gift voucher on activation

Type
Voucher
Trigger
within 37 days
Partner
Amazon

Rewards

Base earn rate

4 Reward Points for every ₹150 spent (On all eligible retail spends.*). Earn 4 Reward Points on every ₹150 retail* spends including Insurance.

Redemption options

Flights hotels:₹0.50 per pointAirmiles:₹0.50 per pointProducts vouchers:₹0.35 per pointCashback:₹0.20 per point
  • • Reward Points valid for 2 years from accumulation (standard). Infinia/Diners Black/BizBlack: 3 years. Easy EMI/PhonePe HDFC Bank Ultimo/Uno: 1 year. If card unused 365+ days, points nullified.
  • • Redemption fee: ₹99

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. Earn 10,000 Reward Points on annual spends of ₹5 lakh. Earn additional 5,000 Reward Points on annual spends of ₹8 lakh.

Lounge access

Domestic

12visits / year

    HDFC SmartBuy Lounge Program lounge programme →

    International

    Priority Pass

    6complimentary visits

    • Membership value USD 27
    Priority Pass lounge programme →

    Fees & charges

    Joining fee
    ₹2,500/- + Applicable Taxes
    Annual / renewal fee
    ₹2,500/- + Applicable Taxes
    Annual fee waiver
    Renewal fee waived off if you spend more than ₹3 lakh in the previous year. Annual Membership Fee: Waived on spends of ₹3 lakh or more in an anniversary year.
    Interest rate
    Enjoy Revolving Credit on your HDFC Bank Regalia Activ 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 foreign currency transactions
    DCC markup
    3.50%
    Reward redemption
    ₹99 per redemption
    Fuel surcharge
    1% waiver, on ₹400–₹5000 txns

    Late payment

    Outstanding amountLate fee
    ₹0 – ₹100₹0
    ₹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
    Above ₹50,001₹1,300

    Insurance covers

    Air accident

    ₹100L

    Air Accident Death Cover: Coverage of up to ₹1 crore (USD 125,000). Accidental air death cover worth ₹1 Crore

    Fraud liability

    Zero Lost Card Liability: In the unfortunate event of losing your HDFC Bank Regalia Activ Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card.

    Lost card liability

    ₹9L

    Medical emergency

    ₹15L

    Eligibility

    Income (salaried)
    The customer should have a net income of at least ₹25,000/month.

    Features

    ✓ Contactless✓ UPI linkage

    Additional features

    • Single Interface: One unified platform for managing Credit Cards, Debit Cards, FASTag, and Business Loans
    • Spend Tracking: An easy-to-use interface to monitor and manage all your business expenses seamlessly
    • Reward Points: Effortlessly view and redeem reward points with just a click

    Card management via HDFC Bank.

    Is this card worth it for you?

    ₹10,000₹5,00,000

    Rewards / year

    ₹6,000

    ≈ 1.00% effective

    Annual fee

    ₹0 (waived)

    waived at ₹3,00,000/yr spend

    Net steady-state return

    +₹6,000/year

    Strong fit at this spend

    At ₹50,000/month, rewards outrun the fee by ₹6,000 a year.

    One-time joining fee (year 1 only): ₹2,500

    One-time welcome benefit: ~₹250 — Gift voucher worth ₹250 (Amazon voucher) provided on activating the Credit Card within 37 days of card setup

    Based on published rates as of 2026-08-07; assumes 1 RP = ₹0.5 via SmartBuy flight & hotel bookings (issuer's marketed primary redemption path); travel redemption capped at max 70% of booking value and 50,000 RP per calendar month via SmartBuy; other paths lower (catalogue ₹0.35, cashback ₹0.20, airmiles up to 0.5/RP). Rewards estimates, not guarantees.

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