HDFC Bank Regalia Activ Credit Card

Interest-free period

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

Verified · MITC – General Personal Credit Cards (covers all Regalia variants) · 2026-08-03 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver at all fuel stations across India on minimum transaction of ₹400 and maximum transaction of ₹5,000.
• Maximum waiver of ₹500 per statement cycle (GST on fuel surcharge not reversed).

Verified · MITC (Most Important Terms & Conditions) – Regalia Activ Credit Card specific (updated 15 Dec 2025) · 2026-08-03 · source

Milestone benefit

• Annual Spends Benefit: Earn 10,000 Reward Points on annual spends of ₹5,00,000 or more in each anniversary year, and an additional 5,000 Reward Points (total 15,000) on annual spends of ₹8,00,000 or more in the same anniversary year (365 days).
• Anniversary year is 365 days from card setup or last upgrade/downgrade date.

Verified · harvested from product page · 2026-08-03 · source

Redemption value

• Reward Points can be redeemed on SmartBuy or NetBanking.
• Redeem up to a maximum of 70% of booking value through Reward Points for flight and hotel bookings on SmartBuy (rest paid via card).
• Rewards Redemption Fee: ₹99 per redemption request.
• Cashback Redemption Charges: ₹50 per cashback redemption.
• Reward Points are valid only for 2 years from the date of accumulation.
• Value for cashback redemption against statement balance is up to 20 paise per point (w.e.f 1st November 2025).

Verified · Regalia Activ Credit Card product page · 2026-08-03 · source

Reward cap

• Maximum reward points that can be earned in a statement cycle for Regalia Activ is 50,000.
• Reward Points earned on Insurance transactions capped at 2,000 per month.
• Reward Points earned on Grocery transactions capped at 2,000 per calendar month.
• Utility transactions capped at 2,000 RP per calendar month.
• Telecom transactions capped at 2,000 RP per calendar month (w.e.f 1st Sep 2024).
• Redemption of Reward Points against statement balance (cashback) capped at 50,000 RP per calendar month.
• Flights & hotel bookings redemption on SmartBuy capped at 50,000 RP per calendar month.

Verified · MITC (Most Important Terms & Conditions) – Regalia Activ Credit Card specific (updated 15 Dec 2025) · 2026-08-03 · source

Reward exclusion

Verified · harvested from product page · 2026-08-03 · source

Insurance

• For Regalia/Super Premium cardholders (Policy Period 23rd July 2025 - 22nd July 2026): Air Accident cover of ₹1,00,00,000 (INR 10,000,000) to primary cardholder.
• Emergency Medical Expenses cover up to ₹15,00,000 (INR 1,500,000) for international travel outside India.
• Card Liability Cover up to ₹9,00,000 (INR 900,000) to primary cardholder.
• Insurance partner is HDFC Ergo.
• Claim to be raised directly with the insurance company.
• Terrorism specifically excluded.

Verified · harvested from product page · 2026-08-03 · source