HDFC Bank Doctors Regalia Credit Card

Lounge access

• Domestic: complimentary airport lounge access within India (swipe card at lounge terminal, ₹2 debited and reversed).
• International: Complimentary Priority Pass membership for Primary and Add-on card holders offered on request via phone banking, after minimum 4 retail transactions.
• Visits exceeding complimentary limit charged at USD 27 + taxes per visit.
• Priority Pass lounge visits within India charged at USD 27 (INR equivalent) + taxes per person per visit.

Verified · MITC – Personal Credit Cards (English) — covers Doctor's Regalia · 2026-08-04 · source

Forex markup

2% of transaction value on foreign currency transactions.

Verified · Key Fact Statement cum MITC – Part I (Regalia family, incl. Doctor's Regalia) · 2026-08-04 · source

Charge

• Cash advance fee: 2.5% or ₹500 whichever is higher.
• Finance charges (revolving credit & cash advances): 3.75% per month (45% per annum).
• Late payment charges (w.e.f 1st Aug'24): Nil up to ₹100.
• ₹100 for ₹101-500.
• ₹500 for ₹501-1,000.
• ₹600 for ₹1,001-5,000.
• ₹750 for ₹5,001-10,000.
• ₹900 for ₹10,001-25,000.
• ₹1,100 for ₹25,001-50,000.
• ₹1,300 above ₹50,000.
• Over-limit charge: 2.5% of overlimit amount, min ₹550.
• Payment return charge: 2% of payment, min ₹450.
• Dynamic currency conversion markup fee: 1.75% (w.e.f 15th May 2026) on transactions in INR at international location or India-based overseas-registered merchants.
• Cash processing fee: ₹100.
• Rewards redemption fee: ₹99 per request.
• Cashback redemption charges: ₹50 per redemption.
• Reissue of lost/stolen/damaged card: ₹199 non-metal, ₹3,500 metal.
• Add-on card fee: Lifetime Free.
• Balance transfer processing: 1% of BT amount or ₹250 whichever higher.
• Rent Pay: 1% of transaction, capped ₹4999 (w.e.f 1st Jul 2025).
• Fuel charge: 1% on fuel transaction exceeding ₹15,000 (consumer), capped ₹4999.
• Utility charge: 1% on utility spends exceeding ₹50,000/calendar month (consumer), capped ₹4999.
• Education charge: 1% via third-party apps, capped ₹4999.
• Online skill-based gaming: 1% on spends exceeding ₹10,000/month, capped ₹4999 (w.e.f 1st Jul 2025).
• Wallet loading (excl PayZapp): 1% on spends exceeding ₹10,000/month, capped ₹4999 (w.e.f 1st Jul 2025).
• Railway ticket purchase fee: 1% + GST.
• Card validation charge: ₹2.
• GST: applicable on all fees, interest, charges.

Verified · MITC – Personal Credit Cards (English) — covers Doctor's Regalia · 2026-08-04 · source

Interest-free period

• Interest free (grace) period could range from 20 to 50 days, subject to the scheme applicable and submission of claims by the merchant.
• Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.

Verified · MITC – Personal Credit Cards (English) — covers Doctor's Regalia · 2026-08-04 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5,000.
• Maximum waiver of ₹500 per statement cycle (waiver capped at 1% of eligible fuel transaction amounts; GST on fuel surcharge not reversed).

Verified · MITC – Personal Credit Cards (English) — covers Doctor's Regalia · 2026-08-04 · source

Milestone benefit

• Earn Bonus 10,000 Reward Points on spending ₹5 lakh in the anniversary year.
• Earn additional 5,000 Reward Points on spending ₹8 lakh in the anniversary year.

Verified · Doctors Regalia Credit Card product page · 2026-08-04 · source

Redemption value

• Rewards Redemption Fee: ₹99 per redemption request.
• Cashback Redemption Charges: ₹50 per cashback redemption.
• Reward Points/CashPoints valid only for 2 years from date of accumulation.
• For flight and hotel bookings, cardmembers can redeem up to a maximum of 70% (retail/business Regalia variants via HDFC Bank Smartbuy, since 25th Nov 2019) or 50% (via HDFC Bank Smartbuy for other groupings).
• For Closed Cards, reward points available for redemption only for 30 days from date of card closure.

Verified · MITC – Personal Credit Cards (English) — covers Doctor's Regalia · 2026-08-04 · source

Reward cap

• Fair Usage Policy: max Reward Points earnable in a statement cycle for Regalia Gold, Regalia, Regalia Activ, Business Regalia, Diners Privilege, Diners ClubMiles, Diners Premium is 50,000.
• Insurance transactions capped at 2,000 Reward Points per month (w.e.f 1st Jul 2025) for cards other than premium Diners/Infinia.
• Grocery transactions capped at 2,000 Reward Points per month.
• Utility transactions capped at 2,000 Reward Points per calendar month.
• Telecom transactions capped at 2,000 per calendar month (w.e.f 1st Sep 2024).
• Credit Card purchases via UPI earn up to a max of 500 points per calendar month.

Verified · MITC – Personal Credit Cards (English) — covers Doctor's Regalia · 2026-08-04 · source

Reward exclusion

• Rent payments and Online Skill-Based gaming transactions do not earn Reward Points on all cards.
• EasyEMI and e-wallet loading transactions do not accrue Reward Points (accrued points reversed).
• Reward Points accrued reversed if a retail transaction is converted into SmartEMI.
• Fuel transactions do not accrue Reward Points for certain co-brand cards.

Verified · MITC – Personal Credit Cards (English) — covers Doctor's Regalia · 2026-08-04 · source

Insurance

• Professional Indemnity Insurance Cover for HDFC Bank Doctor's Regalia cardholders (HDFC ERGO Policy No: 2999203617950402000): Sum Insured ₹20,00,000 per card in aggregate.
• Any one incident ₹4,00,000 per card.
• Deductible ₹25,000 for each and every claim.
• Covers claims from alleged bodily injury/death of patient caused by error, omission or negligence in professional service.
• Legal & defense cost on reimbursement basis.
• Out-of-court settlement & court awards.
• Policy coverage starts from date of Credit Card set up.

Verified · harvested from product page · 2026-08-04 · source

Eligibility

Priority Pass can be applied for self and add-on members after completing minimum 4 retail transactions on the Doctor's Regalia Credit Card.

Verified · Doctors Regalia Credit Card product page · 2026-08-04 · source