HDFC Regalia Review (2026)
HDFC's most popular premium card. Strong 4x rewards on everything, 10x on SmartBuy, and solid lounge access at a very reasonable fee.
Last updated: 2026-03-05· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹2,500 |
| Joining Fee | ₹2,500 |
| Fee Waiver | Spend 3L in a year |
| Income Required | ₹12L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: HDFC Reward Points
Milestone Benefits
5,000 bonus reward points on spending 5L in a year
Lounge Access
Our Review
The Regalia is arguably the best value-for-money premium card in India. The 2,500 annual fee is easily waived at 3L annual spend (25K/month — most working professionals hit this). You get 4x on everything, which isn't far behind the Infinia's 5x, but at a fraction of the income requirement. The 10x SmartBuy rate is identical to Infinia. Where it loses out is lounge access (capped at 12+6 vs unlimited) and the slightly lower base earn rate. For anyone earning 12-30L, this is THE card to get before you can graduate to Infinia.
Pros & Cons
Pros
- + 4 reward points per 100 on all spends — strong flat rate
- + 10x on SmartBuy — great for flight bookings
- + 12 domestic + 6 international lounge visits
- + Low fee with easy 3L waiver threshold
Cons
- - Lounge visits are capped unlike Infinia's unlimited
- - Points per 100 slightly lower than Infinia's 5x
- - Reward point redemption value varies — catalog items give poor value
Best For
Compare HDFC Regalia
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Frequently Asked Questions
Is the HDFC Regalia worth it in 2026?
It depends on your spending. The HDFC Regalia costs ₹2,500/year (waiver: Spend 3L in a year). With an effective base return of 2.0%, you'd need to spend approximately ₹1.3L per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the HDFC Regalia annual fee?
The HDFC Regalia has an annual fee of ₹2,500. Joining fee is also ₹2,500. Fee waiver: Spend 3L in a year.
What is the minimum salary required for HDFC Regalia?
The minimum annual income required for the HDFC Regalia is ₹12L. However, if you have an existing banking relationship with HDFC Bank, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on HDFC Bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.