HDFC Regalia
HDFC · Premium · Visa/MC
Annual Fee
₹2,500
Fee Waiver
₹4L annual spend
Lounge Access
18/year
Best Rate
1.33%
Network
Visa/MC
✅ Data verified March 2026
Reward Rates by Category
🍽️Dining
1.33%
✈️Travel
1.33%
🛒Online Shopping
1.33%
🥦Groceries
1.33%
💡Utilities
1.33%
🎬Entertainment
1.33%
🛍️Shopping
1.33%
⛽Fuel
0%
How Points Work
4 points/₹150 · 1pt = ₹0.20 cashback or ₹0.50 travel
💡
Redemption matters
Rate shown (1.33%) assumes cashback at ₹0.20/point. Travel redemption via SmartBuy = ₹0.50/point (3.33% base). SmartBuy flights/hotels can reach 13.33%.
🚀 Boosted Rates (Partners & SmartBuy)
SmartBuy (flights/hotels)up to 13.33%
Myntra, Nykaa, Reliance Digital5x points (~3.33%)
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
12 domestic + 6 intl lounge/yrUp to 10x on SmartBuy5x on select partnersFee waiver on ₹4L spend
PROS
✅ Excellent lounge access (18/yr total)
✅ SmartBuy gives up to 13% on travel
✅ Partner brands 5x rewards
CONS
⚠️ Base rate only 1.33%
⚠️ Fuel excluded from rewards
⚠️ ₹2,500 + GST fee
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