VISA
HDFC
Best Premium Rewards India
HDFC Bank Regalia Credit Card
HDFC Bank · 🇮🇳 India · VISA
4.8Excellent
Annual Fee
₹2,500
Waived on ₹3L annual spend
Rewards Rate
4–12 pts per ₹150
Reward Points
Intro Offer
2,500 bonus points on first transaction
Credit Score
750+
Excellent
Purchase Intro APR
N/A
Balance Transfer Intro APR
N/A
Regular APR
3.6% per month (43.2% p.a.)
Tekkivo Expert Verdict
The HDFC Regalia is India's most popular premium credit card. The annual fee waiver on ₹3L spend makes it effectively free for regular users.
Best for: Indian professionals wanting premium rewards with lounge access
Key Benefits
- 12 pts per ₹150 on dining & travel
- 6 pts per ₹150 on online shopping
- Complimentary airport lounge access
- Comprehensive travel insurance
- Golf privileges
- Concierge services
Pros
- ✓India's most popular premium card
- ✓Annual fee waiver on ₹3L spend
- ✓Best rewards rate in India
Cons
- ✗High APR of 43.2% p.a.
- ✗Requires excellent CIBIL score 750+
- ✗Lounge access limited per quarter
Card Details
Foreign Transaction Fee: 2%
Credit Limit: ₹1,00,000–₹10,00,000+
Card Network: visa
Rewards Type: Reward Points
HDFC Bank Regalia Credit Card
4.8
Annual Fee₹2,500
Rewards4–12 pts per ₹150
Intro Offer2,500 bonus points on first transaction
on HDFC Bank's website