HDFC Bank Regalia Credit Card

Interest-free period

• Interest free (grace) credit 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• Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.

Verified · Key Fact Statement cum Most Important Terms & Conditions (MITC) - HDFC Bank credit cards (common, current) · 2026-07-30 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000.
• Maximum waiver of ₹500 per statement cycle (GST on fuel surcharge not reversed).

Verified · Key Fact Statement cum Most Important Terms & Conditions (MITC) - HDFC Bank credit cards (common, current) · 2026-07-30 · source

Redemption value

• 1 Reward Point = ₹0.50 for redemption against flights and hotel bookings on SmartBuy.
• Redemption for flights & hotel bookings capped at 50,000 Reward Points per calendar month.
• Redeem up to a maximum of 70% of booking value via Reward Points (balance paid via card).
• For select products & vouchers redemption capped at 70% of total value.
• Cashback (statement balance) redemption capped at 50,000 Reward Points per calendar month.
• Rewards Redemption Fee ₹99 per redemption request.
• Reward Points valid for 2 years from date of accumulation.

Verified · harvested from product page · 2026-07-30 · source

Reward cap

• Maximum 50,000 Reward Points can be earned in a statement cycle for Regalia (w.e.f 1st Oct'23).
• Reward Points on grocery transactions capped at 2,000 per calendar month.
• Reward Points on insurance transactions capped at 2,000 per month (w.e.f 1st July 2025).
• Utility and Telecom transactions each capped at 2,000 Reward Points per calendar month (w.e.f 1st Sept 2024).

Verified · harvested from product page · 2026-07-30 · source

Reward exclusion

Verified · harvested from product page · 2026-07-30 · source

Milestone benefit

Earn 10,000 Reward Points on annual spends of ₹5,00,000 or more, and an additional 5,000 Reward Points on annual spends of ₹8,00,000 or more, in each anniversary year (only valid retail spends count; bonus RP posted within 2 days of milestone achievement).

Verified · harvested from product page · 2026-07-30 · source

Insurance

• Air Accident cover of ₹1,00,00,000 (death) to primary card holder.
• Emergency Medical Expenses cover up to ₹15,00,000 for international travel outside India.
• Card Liability Cover up to ₹9,00,000 to primary card holder.
• Insurance partner is HDFC Ergo.
• Claim to be raised directly with the insurance company.
• Air Accident/Emergency Medical Expenses cover starts from Date of Activation.
• Card liability covered for 2 days prior to Date of Block and 30 days post Date of Block.
• Valid up to 22nd July 2026.

Verified · harvested from product page · 2026-07-30 · source