HDFC Regalia Review: Is It Worth It for Travel Rewards in 2026?
Strong Travel card earning 4 points per ₹150 on travel, with ₹2,500 annual fee.
HDFC Regalia fee structure and eligibility
| Detail | Value |
|---|---|
| Annual fee | ₹2,500 |
| Joining fee | ₹2,500 |
| Welcome bonus | 2,500 points |
| Eligibility tier | Premium income (₹12-24L/year) |
HDFC Regalia earn rates by spend category
| Category | Earn Rate |
|---|---|
| Travel | 4 points per ₹150 |
| Dining | 4 points per ₹150 |
| Online | 4 points per ₹150 |
| Retail | 2 points per ₹150 |
| Fuel | 2 points per ₹150 |
| Other | 2 points per ₹150 |
Where HDFC Regalia points transfer
| Program | Transfer Ratio |
|---|---|
| Singapore Airlines KrisFlyer | Check issuer portal for current ratio |
Transfer ratios change periodically. Always verify the current ratio on your HDFC rewards portal before initiating a transfer.
What HDFC Regalia does well
- Solid earn rate: 4 points per ₹150 on travel spends
- Transfer partners: Singapore Airlines KrisFlyer
- 4 pts per ₹150 on all spends (~2.67 pts/₹100)
- Priority Pass — 6 complimentary international lounge visits/year
- Transfer to KrisFlyer (2:1 ratio)
Where HDFC Regalia falls short
- Limited transfer partner options — less flexibility for award bookings
- No milestone bonus for sustained spending
HDFC Regalia earns across Singapore Airlines KrisFlyer. Pick your destination and see what your points unlock.
HDFC Regalia frequently asked questions
What is the annual fee for HDFC Regalia?
HDFC Regalia has an annual fee of ₹2,500 with a joining fee of ₹2,500. New cardholders receive 2,500 welcome bonus points.
What are the best spend categories for HDFC Regalia?
HDFC Regalia earns the highest rewards on travel spends at 4 points per ₹150. 4 pts per ₹150 on all spends (~2.67 pts/₹100).
Which airline and hotel partners can I transfer HDFC Regalia points to?
HDFC Regalia points transfer to: Singapore Airlines KrisFlyer. Transfer ratios vary by partner — check your issuer's portal for current rates.
Who should get the HDFC Regalia card?
HDFC Regalia is best suited for travel and all-round spenders. Premium income (₹12-24L/year).