HDFC
Regalia
Mid-tier card · 8/year domestic lounge (quarterly cap) · fee waiver achievable around ₹3L annual spend · 3.5% forex markup.
Strong for lounge access (2/quarter) · Weak for high forex (3.5%) and low base rewards (~1.3%)
2/quarter domestic lounge
Good for
- Airport lounge users
Not ideal for
- International spenders
- Rewards-focused users
Spend context
- Estimated monthly rewards: ~₹670/month (base rewards)
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Approximate, based on base rates and current snapshot.
Annual fee
₹2,500
Lounge
2/quarter (domestic)
Forex
3.5%
Limited support — verify with issuer
Reward rate
4 pts/₹150
Above median base earn (1.3% vs ~1%).
Verified with issuer
View official source (opens in new tab)Lounge Access
- Domestic visits
- 2/quarter
- International visits
- 6/year
International Use
- Forex markup
- 3.5%
- Product tier
- Mid-tier
Fees
- Annual fee
- ₹2,500
- Joining fee
- ₹2,500
- Fee waiver spend
- ₹3,00,000 Near catalog median waiver (₹3,00,000 vs ₹3,00,000).
Rewards
- Points per ₹150
- 4 pts
- Point value
- ₹0.5
- Effective earn
- 1.3% (at stated point value)
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