Welcome Benefits :- You get a welcome bonus of 2,500 Reward Points after the successful realization of the joining fee for the HDFC Bank Regalia Credit Card.

Rewards & Benefits :- 

Movie & Dining

Get up to 20% off on partner restaurants via Swiggy Dineout only when the payment is made through the Swiggy application.

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Rewards Rate

For every Rs. 150 spent, you will get 4 Reward Points.

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Reward Redemption

1 RP = Rs. 0.5 for redemption against flights and hotel bookings on HDFC Smartbuy website, 1 RP = up to Rs. 0.35 if you want to redeem against vouchers and poducts, 1 RP = Rs 0.20 for cash back, and Air miles conversion at a value of 1RP = 0.5 air mile.

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Travel 

Complimentary Domestic and International Lounge Access. You get travel-related insurance benefits as well.

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Domestic Lounge Access

8 free airport lounge access per year within India.

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International Lounge Access

6 airport lounge access every year outside India through the Priority Pass.

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Fees & Charges :- 

Spend-Based Waiver

Get the annual fee waived off (second-year onwards) by spending more than 3 lakh in the previous year.

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Rewards Redemption Fee

Rs. 99 per redemption request

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Foreign Currency Markup

2% + GST

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Interest Rates

3.6% per month (45% annually)

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Fuel Surcharge

1% fuel surcharge waiver at all fuel stations in India on a minimum of Rs. 400 transaction and a maximum of Rs. 5000 transaction.

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Cash Advance Charges

Higher of 2.5% of the amount withdrawn or Rs. 500.

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Product Details :- 

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• Welcome bonus of 2,500 Reward Points.

• 4 Reward Points on every Rs. 150 you spend on retail.

• Earn a total of 15,000 bonus Reward Points on spending Rs. 8 lakhs in an anniversary year.

• Get up to 20% off on partner restaurants via Swiggy Dineout

• Complimentary membership to the Priority Pass program.

• 6 complimentary Lounge Access at airports outside India and 12 within India.

• Low international transaction charges of 2%.

• Renewal fee waived off on spending over 3 lakhs in the previous year​​​​​​.

• 1% fuel surcharge waiver capped at a maximum Rs. 500 per month

• Travel insurance benefit in case air accident worth up to Rs. 1 crore.

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Pros/Cons :-

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Pros

• Bonus reward points as welcome benefit and a high reward rate

• Low forex markup fee of 2%

• Complimentary domestic and international lounge access with Priority Pass membership

Cons

• Regalia Gold charges a similar joining fee and has better benefits and redemption options

• Several spend categories are excluded from earning reward points and points expire after 2 years from accrual date.