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Features of HDFC Regalia Credit Card

  • 1. Reward Points Program:
    • Earning Reward Points: Earn 4 Reward Points for every ₹150 spent on retail transactions, including insurance, utilities, education, and rent.
    • Bonus Reward Points:
      • 10,000 Bonus Reward Points on annual spends of ₹5 lakh in an anniversary year.
      • Additional 5,000 Bonus Reward Points on annual spends of ₹8 lakh in an anniversary year.
      • Occasionally, HDFC offers 2x, 5x, or 10x Reward Points on specific merchant promotions (subject to caps).
    • Redemption Options:
      • Redeem points through the HDFC SmartBuy portal for flights and hotel bookings (1 RP = ₹0.50).
      • Redeem for vouchers or products (1 RP = up to ₹0.35) or cashback (1 RP = ₹0.20).
      • Convert points to air miles with partner airlines at a 2:1 ratio (1 RP = 0.5 air miles).
    • Validity: Points are valid for 2 years from the date of accumulation.
Credit Card Promotion
    • Airport Lounge Access: Domestic Lounge Access: Up to 12 complimentary lounge visits per calendar year within India (both domestic and international terminals), subject to spending ₹1 lakh per calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec). Access requires generating vouchers via the Regalia SmartBuy portal.
      International Lounge Access: Up to 6 complimentary lounge visits per calendar year outside India using a Priority Pass for the primary cardholder and add-on members. Apply for Priority Pass after completing 4 retail transactions. Exceeding the complimentary quota incurs a charge of US$27 + GST per visit. Using Priority Pass within India also attracts charges. List of eligible lounges is available on HDFC Bank’s website for Visa and Mastercard variants.
    • Low Foreign Currency Markup Fee: A 2% markup fee (plus taxes) on international transactions, which is lower than the standard 3.5% charged by many cards, making it ideal for international spending.
    • Concierge Services: 24/7 concierge services for travel planning, hotel bookings, and other assistance. Contact via toll-free number 8885545255 (India).
    • Travel Insurance: Accidental Air Death Cover: ₹1 crore.
      Emergency Overseas Hospitalization: Up to ₹15 lakh.
      Credit Liability Cover: Up to ₹9 lakh for fraudulent transactions if the card is reported lost/stolen promptly.
    • Dining Benefits: Up to 20% discount on restaurant bills at over 20,000 partner restaurants when paying via the Swiggy Dineout app.
      Some sources mention up to 15% off on dining, which may vary based on offers.
      Exclusive dining privileges at select restaurants, with details available on the HDFC Bank website or mobile app.
    • Fuel Surcharge Waiver: Applicable on fuel transactions between ₹400 and ₹5,000 at all fuel stations in India. Maximum waiver capped at ₹500 per statement cycle.
    • Lifestyle Benefits: Welcome Bonus: 2,500 Reward Points as a welcome bonus upon payment of the joining fee.
      Contactless Payments: Enabled for fast, secure, and convenient payments at retail outlets. Transactions up to ₹5,000 can be made without a PIN; higher amounts require a PIN for security.
      SmartBuy Portal: Access exclusive offers and deals on travel, shopping, and more via the HDFC SmartBuy portal.
      24/7 Concierge Services: Assistance with travel, dining, and lifestyle needs, enhancing the premium experience.
    • Milestone Benefits: 10,000 Reward Points on ₹5 lakh annual spends.
      Additional 5,000 Reward Points on ₹8 lakh annual spends. Points are credited within a month of reaching the milestone.
      Spend ₹1 lakh per quarter to unlock up to 2 complimentary lounge access vouchers per quarter via the Regalia SmartBuy portal.
    • Security and Liability: Zero Lost Card Liability: No liability for fraudulent transactions if the card is reported lost/stolen immediately to HDFC Bank’s 24-hour call center (Toll-free: 1800 1600 / 1800 2600; Overseas: +91 22 61606160).
      Contactless Payment Security: Ensures secure transactions with embedded chip technology.
    • Add-On Cards: Add-on cards for family members (spouse, parents, children) with the same benefits, including lounge access via Priority Pass. Ideal for family travelers, as add-on cardholders get separate Priority Pass memberships for international lounge access.
    • Interest-Free Credit Period: Up to 50 days of interest-free credit if the total outstanding amount is paid by the due date.
    • EMI Conversion: Convert large purchases into EMIs through the HDFC Bank portal, offering flexibility for big spends.
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Benefits of HDFC Regalia Credit Card

  • High-Value Reward Points Program:
    • Earn Reward Points:
      • 5 Reward Points per ₹150 spent on retail transactions (excluding fuel, rentals, government spends, wallet loads, and EMI). This equates to a 3.33% value-back when redeemed optimally.
      • 10X Reward Points on purchases via the SmartBuy portal (capped at 7,500 bonus points/month and 2,500/day), offering up to 33% value-back on travel bookings.
      • 2X Reward Points on dining at standalone restaurants during weekends (capped at 1,000 points/day, not applicable to Swiggy/Zomato).
      • Airport Lounge Access:
      • Domestic Lounges: Up to 12 complimentary visits per calendar year within India (domestic and international terminals), subject to spending ₹1 lakh per quarter. Vouchers must be generated via the Regalia SmartBuy portal.
      • International Lounges: Up to 6 complimentary visits per calendar year outside India via Priority Pass for primary and add-on cardholders. Apply after 4 retail transactions. Extra visits: $27 + GST.
      • Note: Priority Pass usage within India is chargeable.
      • Low Foreign Currency Markup: 2% + GST on international transactions (lower than the standard 3.5%).
      • Accidental Air Death Cover: ₹1 crore.
      • Emergency Overseas Hospitalization: Up to ₹15 lakh.
      • Credit Liability Cover: Up to ₹9 lakh for fraudulent transactions if the card is reported lost/stolen promptly.
      • Concierge Services: 24/7 support for travel bookings and itinerary planning. Contact: 1860 425 1188 or regalia.support@smartbuyoffers.co
      • Dining Benefits:
      • Good Food Trail Program: Up to 20% discount at 20,000+ partner restaurants via Swiggy Dineout. Access to exclusive dining privileges at select premium restaurants.
      • Fuel Benefits: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. Maximum waiver of ₹500 per statement cycle.
      • Welcome Bonus: 2,500 Reward Points on payment of ₹2,500 + GST joining fee.
      • SmartBuy Offers: Exclusive travel, shopping, and lifestyle rewards.
      • Contactless Payments: Tap & pay enabled (PIN-free up to ₹5,000).
      • Concierge Services: Assistance with dining reservations and lifestyle needs.
      • Milestone Benefits: 10,000 Reward Points on ₹5 lakh annual spend. 5,000 Reward Points on ₹8 lakh annual spend. Quarterly lounge vouchers on ₹1 lakh spend per quarter via SmartBuy.
      • Interest-Free Credit: Up to 50 days of interest-free credit.
      • EMI Conversion: Convert big purchases into EMIs via NetBanking.
      • Zero Lost Card Liability: No liability if loss is reported immediately.
      • Add-On Card Benefits: Add-on cards for family (spouse, parents, children). Priority Pass access for add-on cardholders.
      • Annual Fee Waiver: Renewal fee of ₹2,500 + GST waived on annual spends of ₹3 lakh or more.
      • Club Marriott: Dining and stay benefits at Marriott hotels.
      • Amazon Prime: Annual subscription included.
      • Swiggy One: 3-month membership for delivery & dining benefits.
      • MMT BLACK Elite: Premium travel perks via MakeMyTrip.
      • Times Prime: Includes Hotstar, SonyLIV, and more. Replaced Forbes from July 2024.
      • Value: These memberships provide benefits worth thousands annually.
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Steps to Apply for HDFC Regalia Credit Card (or Alternatives)

  • 1. Online Application:
    • Step 1: Visit the HDFC Bank Website
      • Go to www.hdfcbank.com.
      • Navigate to Borrow > Credit Cards or Personal > Products > Cards > Credit Cards.
    • Step 2: Explore Available Cards
      • Browse premium cards like HDFC Regalia Gold, Diners Club Black, etc., under “Lifestyle” or “Super Premium.”
      • If Regalia is available for upgrades, it will appear in your Netbanking dashboard or under pre-approved offers.
    • Step 3: Check Eligibility
      • Click “Apply Now” or “Check Eligibility.”
      • Enter details: mobile number, PAN, income, employment type.
      • Verify with OTP sent to your registered mobile.
    • Step 4: Fill the Application Form
      • Enter personal, employment, and financial details.
      • Upload documents: Aadhaar, PAN, salary slips or ITR, etc.
    • Step 5: Submit Application
      • Review details and submit.
      • Note your application reference number for tracking.
    • Step 6: Verification and Approval
      • Tele-verification or additional document requests may follow.
      • Approval may take 7–21 working days. Once approved, the card is dispatched within a week.
  • 2. Offline Application:
    • Step 1: Locate an HDFC Branch
      • Use the branch locator on the HDFC website to find the nearest one.
    • Step 2: Carry Required Documents
      • Bring ID proof, address proof, income proof, PAN, and a passport photo.
    • Step 3: Fill and Submit Application
      • Request the credit card application form and mention interest in Regalia Gold or similar.
      • Submit the completed form with supporting documents.
      • Get an acknowledgment with an application reference number.
    • Step 4: Verification and Approval
      • Approval or rejection will be communicated via SMS/email within 7–21 working days.
  • 3. Check for Pre-Approved Offers or Upgrades (Existing Customers):
    • Via Net Banking:
      • Log in to HDFC Netbanking > Cards > Credit Cards > Offers or Upgrade Your Card.
    • Via Mobile App:
      • Open HDFC Bank App > Credit Cards > Offers or Upgrade Card.
    • Via Customer Care:
      • Call 8885545255 and ask about pre-approved offers or Regalia upgrades.
    • Via Branch:
      • Speak with your Relationship Manager or branch executive about eligibility for upgrade.
      • Upgrades may be available if your credit limit is around ₹3 lakh or higher.
  • 4. Track Application Status:
    • Online: Visit the HDFC Bank website > Credit Cards > Track Application. Enter your reference number and mobile number or DOB.
    • Customer Care: Call HDFC Bank toll-free numbers with your reference number to get the current status.
    • SMS (if applicable): Follow the SMS tracking instructions sent after your application.

Eligibility Criteria for HDFC Regalia Credit Card

  • For Salaried Individuals:
    • Age: 21 to 60 years.
    • Income: Minimum net monthly income of ₹1,00,000. For government employees, it may be relaxed to ₹70,000 (at bank’s discretion).
    • Employment: Must be employed with a reputed and stable organization.
    • Residential Status: Must be a resident of India.
  • For Self-Employed Individuals:
    • Age: 21 to 65 years.
    • Income: Latest ITR showing annual income of at least ₹12 lakh. For Regalia Gold, it may be ₹18 lakh or more.
    • Business/Profession: Stable and consistent income from a verified business or profession.
    • Residential Status: Must be a resident of India.
  • Credit History:
    • Minimum CIBIL or Experian score: 750+
    • Strong credit history with no defaults or overdue payments.
  • Additional Internal Criteria:
    • Existing Relationship: Preferred for HDFC savings/current account holders or loan customers.
    • Debt-to-Income Ratio: Must demonstrate ability to repay new credit responsibly.
    • Location: Must reside or operate in a serviceable HDFC Bank area.
    • Stability: Preference for reputed employers or well-established businesses.
  • Documents Required:
    • Identity Proof: PAN, Aadhaar, Passport, Voter ID, or Driving License.
    • Address Proof: Aadhaar, utility bill (≤3 months old), passport, ration card, or bank statement.
    • Income Proof:
      • Salaried: Last 3 months’ salary slips, Form 16, bank statements.
      • Self-Employed: Latest 1–2 years’ ITRs, 6–12 months bank statements, audited financials, business registration.
  • Special Considerations:
    • Card-to-Card Basis: Applicants with existing cards (min. 6 months old, ₹2 lakh limit) may get simplified KYC approval.
    • Upgrade: HDFC cardholders (e.g., Regalia First) with high spends (e.g., ₹8 lakh/annum) may be offered an upgrade.
    • Secured Card Option: Applicants not meeting income criteria may get a Regalia Credit Card against Fixed Deposit (FD).
    • Recent Updates: As of Oct 2024, HDFC has updated eligibility for premium cards, requiring ₹70,000–₹1,00,000 monthly income (salaried) and ₹8.4–₹12 lakh ITR (self-employed).
  • Minimum Credit Limit Eligibility: Approval typically requires eligibility for a minimum credit limit of ₹1.5 lakh or more.
  • Banking History: A long-standing, positive banking history with HDFC Bank increases chances of approval and higher limits.
  • No Major Delinquencies: The applicant must not have any major delinquencies, write-offs, or settlements in past credit relationships.
  • Occupation Type: Professionals like doctors, CAs, architects, and engineers with stable income are favorably considered.
  • High-Value Transactions: Regular high-value transactions through existing HDFC accounts may enhance eligibility.
  • Existing Card Upgrade Route: HDFC may offer a Regalia card as an upgrade to customers holding HDFC MoneyBack, Millennia, or Bharat cards.
  • ITR Matching Business Type: For self-employed applicants, the nature of the business should align with the ITR and business documents submitted.
  • Digital KYC Option: Eligible applicants in select cities may complete application and verification through HDFC’s digital KYC process.
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Documents Required for HDFC Regalia Credit Card

  • Identity Proof (Any one of the following):
    PAN Card (mandatory for KYC and linking credit history)
    Aadhaar Card
    Passport
    Voter ID Card
    Driving License
    Government-issued photo ID card
  • Address Proof (Any one of the following):
    Aadhaar Card (if not used as ID proof)
    Passport
    Voter ID Card
    Driving License
    Utility Bills (electricity, water, gas, or telephone bill – not older than 3 months)
    Ration Card
    Bank Statement (not older than 3 months, showing address)
    Registered Rental Agreement (if applicable)
  • Income Proof:
    For Salaried Individuals:
    Salary Slips (last 2–3 months, showing employer and salary)
    Bank Statement (last 3–6 months, showing salary credits)
    Form 16 (optional, latest FY)
    Employment Proof (if requested): Offer letter or employee ID
    For Self-Employed Individuals:
    ITR (last 1–2 years) showing annual income ≥ ₹12 lakh
    Bank Statement (6–12 months, reflecting business income)
    Financial Statements (optional): CA-certified P&L and Balance Sheet
    Business Proof (if applicable): GST, registration certificate, or shop license
  • Photograph:
    1–2 recent passport-sized photographs
    Required especially for offline branch applications
  • Additional Documents (If Applicable):
    Existing Credit Card Details (for card-to-card applications):
        • Copy of card (mask first 12 digits)
        • Latest credit card statement (card ≥ 6 months old, limit ≥ ₹2 lakh)
    Fixed Deposit Proof (for secured Regalia card):
        • FD receipt or HDFC confirmation
    Professional Documents (if applicable):
        • License for doctors, lawyers, etc.
        • Proof of business continuity
  • HDFC Bank Account Details (Optional):
    Savings or Fixed Deposit account details to ease processing
  • Application Form:
    Duly filled and signed HDFC Credit Card Application Form
    Can be submitted:
        • Online via HDFC Credit Card portal
        • Offline at branch or via Relationship Manager

Factors for HDFC Regalia Credit Card Approval

  • Income Level:
    Salaried: Minimum net monthly income of ₹1,00,000 (may be ₹70,000 for government employees).
    Self-Employed: ITR showing annual income of ₹12–18 lakh (depending on variant and bank discretion).
    Income verified through salary slips, bank statements, or ITR.
  • Credit Score and History:
    Minimum credit score: 750+ (CIBIL preferred).
    Clean credit history: No defaults, low credit utilization (<30%), timely repayments.
  • Age Criteria:
    Salaried: 21–60 years.
    Self-Employed: 21–65 years.
    Applicants must be in their earning phase with a stable income.
  • Employment/Business Stability:
    Salaried: Employment with a reputed firm; minimum 1–2 years of continuous service.
    Self-Employed: Stable business or profession for 2–3 years; proven via ITRs or audited statements.
  • Debt-to-Income Ratio:
    Low debt burden (ideally <40%) relative to income.
    All EMIs and credit dues considered during evaluation.
  • Existing Relationship with HDFC:
    Bank customers (account holders, FD, loans, etc.) get easier approval.
    Pre-approved offers available for customers with high balances and clean history.
  • Credit Utilization and Existing Credit Cards:
    Applicants using current credit cards responsibly (on-time payments, low utilization) are preferred.
    Card-to-card basis allowed with a 6-month old credit card having at least ₹2 lakh limit.
  • Residential Status and Location:
    Must be an Indian resident.
    Address should be in a serviceable area where HDFC can verify physically or by phone.
  • Application and Documentation:
    All forms must be accurate and complete.
    Mandatory documents: PAN, Aadhaar, salary slips/ITR, valid address proof.
  • Spending Behavior and Lifestyle Fit:
    Applicants with higher spends in travel, dining, luxury preferred.
    Ideal for premium lifestyle spenders.
  • Recent Credit Inquiries:
    Too many loan/card applications in a short time reduce approval chances.
    Fewer hard inquiries = better approval odds.

Frequently Asked Questions

1. What is the HDFC Diners Club Black Credit Card?
It’s a premium credit card from HDFC Bank for high-income individuals, offering benefits like unlimited airport lounge access, high reward points (up to 33% value-back on SmartBuy), complimentary memberships (e.g., Amazon Prime, Club Marriott), golf games, and low forex fees (2% + GST). It’s ideal for frequent travelers, diners, and luxury lifestyle enthusiasts.
2. Who is eligible for this card?
Salaried: Age 21–60 years, minimum net monthly income of ₹1.75 lakh.
Self-Employed: Age 21–65 years, minimum annual ITR of ₹21 lakh.
Good credit score (750+), stable job/business, and preferably an existing HDFC relationship (e.g., savings account or another credit card with ₹5 lakh+ limit for upgrades).
Non-Resident Indians (NRIs) with NRE/NRO accounts and equivalent income may also qualify.
3. What documents are required to apply?
Identity Proof: PAN Card (mandatory), Aadhaar (masked), Passport, DL, or Voter ID.
Address Proof: Aadhaar, Passport, recent utility bill, rental agreement, or ration card.
Income Proof:
- Salaried: 3 months’ salary slips, bank statements, Form 16 (optional)
- Self-Employed: 1–2 years’ ITR showing ₹21 lakh+, bank statements, audited financials (optional)
Photograph: Recent passport-size photo (offline)
For Upgrades: Existing card statement with ₹5 lakh+ limit.
4. How can I apply for the card?
Online: Visit HDFC or SmartBuy, fill the form, upload documents, and track with Application Reference Number.
Offline: Visit a branch with documents and application form.
Upgrade: Via customer care, NetBanking, or relationship manager (if eligible).
Processing: 7–21 working days.
5. What is the annual fee for the card?
- Joining/Renewal Fee: ₹10,000 + GST
- Renewal Fee Waiver: On ₹5 lakh annual spend
- Other Fees: 2% + GST forex markup, 1.99% interest/month on balance, ₹100 reissuance charge
6. What are the key benefits of the card?
Reward Points:
- 5 RP/₹150 spent (3.33%)
- 10X SmartBuy (up to 33%, capped at 7,500 bonus/month)
- 2X on weekend dining (capped at 1,000/day)

Travel:
- Unlimited airport lounge access
- Low forex markup (2% + GST)
- ₹2 Cr air accident, ₹50 L hospitalisation, ₹55K baggage delay

Lifestyle:
- Complimentary memberships: Amazon Prime, Club Marriott, Swiggy One, MMT BLACK, Times Prime
- Two ₹500 vouchers on ₹80K monthly spend
Golf: 6 games/quarter
Dining: Up to 25% off via Swiggy Dineout
Fuel: 1% surcharge waiver
7. How do the reward points work?
Earning:
- 5 RP/₹150 (retail spends)
- 10X on SmartBuy (cap: 7,500 bonus/month)
- 2X on weekend dining (1,000/day)
Caps: 5,000/day (insurance), 2,000/month (utilities/groceries/telecom)

Redemption:
- Flights/hotels on SmartBuy: 1 RP = ₹1 (max 70% value)
- Airmiles: 1:1 (Vistara, InterMiles), 2:1 (Etihad, BA)
- Vouchers: up to ₹0.50/RP
- Cashback: ₹0.30/RP
Validity: 3 years
8. What is the credit limit for this card?
Typically ₹4–₹8 lakh based on income, credit score, and HDFC relationship.
Higher limits (₹10 lakh+) for Imperia/Preferred customers or strong profiles.
Upgrades depend on your current card limit (₹5 lakh+ preferred).
9. Is the card widely accepted?
Operates on Diners Club network – limited offline acceptance compared to Visa/Mastercard.
Online usage is better. Discover-RuPay partnership has expanded usability.
Best for online, travel, and premium outlets where Diners Club is accepted.
10. What is the lounge access benefit?
Unlimited access to 1,000+ lounges worldwide for primary and add-on cardholders.
No Priority Pass required; card or digital pass works.
Guest visits allowed for cardholders only; non-cardholder guests may not be covered.

List of HDFC Andhra Pradesh Branches

  • Guntur City (MANGALAGIRI)
  • Prakasam City (MARKAPUR)
  • Nandyal City (NANDYAL)
  • Palnadu City (NARASARAOPET)
  • Anakapalle City (NARASIPATNAM)
  • Sri Potti Sriramulu Nellore City (NELLORE)
  • Prakasam City (ONGOLE)
  • West Godavari City (PALAKOLE)
  • Chittoor City (PALAMANER)
  • Manyam City (PARVATHIPURAM)
  • Kakinada City (PEDDAPURAM)
  • YSR Kadapa City (PRODDATUR)
  • East Godavari City (RAJAHMUNDRY)
  • Vizianagaram City (RAJAM)
  • Annamayya City (RAJAMPET)
  • Bapatla City (REPALLE)
  • Srikakulam City (SRIKAKULAM)
  • West Godavari City (TADEPALLIGUDEM)
  • Anantapur City (TADIPATRI)
  • West Godavari City (TANUKU)