HDFC Bank

HDFC Regalia

VISA

🇮🇳 India · HDFC Bank

HDFC Regalia

Name: HDFC Regalia
Brand: HDFC Bank
Rating: 4.3 (50 reviews)

Mid-tier travel without the Regalia Gold price tag.

4.3 / 5

Joining fee

₹2,500

Annual fee

₹2,500

Top reward

2.7%

Min income

₹1,200,000

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5-year value calculator

How much HDFC Regalia actually pays you over time, net of annual fees.

Your monthly spend₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹16,200

Annual fee₹0 (waived ✓)

Cumulative net value

+₹81,000

over 5 years

Year 1

₹16,200

+₹16,200/yr

Year 2

₹32,400

+₹16,200/yr

Year 3

₹48,600

+₹16,200/yr

Year 4

₹64,800

+₹16,200/yr

Year 5

₹81,000

+₹16,200/yr

Year 1 (with bonus)

₹16,200

Year 2+ (steady state)

₹16,200/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

Everything else

2.7%

📈

🎁

Welcome bonus

2,500 reward points on first 90-day spend

What you get

4 reward points per ₹150
12 domestic + 6 international lounge visits/year
Low forex markup 2%
Buy-1-get-1 BookMyShow tickets
Milestone reward points at ₹1L, ₹5L

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

₹1,200,000

Min credit score

770+

Self-employed

Eligible

MatchYour SaaS · pays best on this card

Best SaaS to pay with the HDFC Regalia

The SaaS subscriptions where HDFC Regalia earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹3,89,232/yr.

Top match

Big forex win