HDFC Bank Credit Card
HDFC Regalia Credit Card Master Specs
Unlock unmatched rewards, milestone benefits, and premium lounge access with India’s leading partner card.
InsureUPI Cloud
HDFC BANK
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CardholderFintech Client
VisaCard Specifications & Specs
Annual Membership Fee
₹N/A + GST
Minimum Monthly Income
₹N/A
Card Issuer & Network
HDFC Bank (Visa)
Rewards & Benefits Structure
💰 Reward Rate & Cashbacks
Earn up to 5% cashback on partner spend (like Swiggy, Zomato, Amazon) and 1.5% default on other retail purchases.
✈ Airport Lounge Privileges
Complimentary domestic and international airport lounge accesses (capped at 4 visits per quarter).
Pros (Why Choose It)
- High-value reward multipliers on daily online retail platforms.
- Waived renewal membership fee upon meeting annual spends threshold.
- Compelling fuel surcharge waiver points at all stations in India.
Considerations
- Higher interest APR charges on unpaid credit card statements.
- Cash advance transaction fees apply on ATM cash withdrawals.
Frequently Asked Questions
What is the minimum income requirement?
The minimum monthly income requirement for HDFC Regalia Credit Card Master Specs is ₹N/A for salaried applicants.
How long does the application process take?
Applying online via InsureUPI takes less than 3 minutes. Dynamic routing to HDFC ensures real-time partner API responses.