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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | (-3.4%)^ | (-1.2%)^ | (-0.1%)^ | 1.5% | 1.4% |
| Est. Monthly Reward (₹) | (170) | (125) | (25) | 750 | 1,365 |
| All-India Rewards Rank* | 304 | 306 | 310 | 49 | 65 |
| Within Bank Rank* | 49 | 47 | 45 | 8 | 12 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
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The Regalia Credit Card gives 0.9% effective reward on all spending, with no monthly caps. In addition, you also earn 10,000 reward points on charging ₹5 lacs in a year to the card and another 5,000 points on hitting ₹8 lacs.
We estimate that including the milestone rewards, this card has a net reward yield of 1.4-1.5% if you spend ₹50,000+ each month with the card, making it an average credit card for HDFC Bank customers.
Consider the Millennia Credit Card if you are spending less than ₹50,000 a month on your card.
It offers a net reward yield of 2.3-2.7% on spending up to ₹50,000.
If you are spending less than ₹10,000 a month on your card, also consider the Bharat Credit Card with a yield of 1.9-2.4%.
If you are spending more than ₹50,000 a month on your credit card, we recommend the 6E Rewards XL – Indigo HDFC Bank Credit Card. We estimate it offers a net reward yield of 2.0-2.2% for high spenders.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | Regalia Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 4 Reward Points / ₹150 on retail spends including Insurance, Utilities and Education |
| Milestone Rewards | – 10,000 Reward Points on annual spends of ₹5 Lacs
– Additional 5,000 Reward Points on annual spends of ₹8 Lacs |
| Other Rewards | – 25% off at 2000+ Premium restaurants
– 1+1 on buffet at 200+ restaurants – 12 Complimentary Domestic Airport Lounge visit / Year – 6 Complimentary International Airport Lounge visit / Year |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Cashback against statement balance @ ₹ 0.20 / reward point |
| Card | Regalia Credit Card | |
|---|---|---|
| Joining Fee | ₹2,500 + Taxes | |
| Annual Fee | ₹2,500 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹3 Lacs | |
| Income Criteria | Salaried | ₹1 Lacs p.m. |
| Self-employed | ITR>₹12 Lacs | |
| Supplementary Card Fee | Free | |
| Interest Rate | 43.20% | |
| Foreign Currency Markup | 2.00% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
