HDFC Bank Doctor’s Regalia Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Welcome Benefit of 2,500 Reward Points. Earn 4 Reward Points for every Rs. 150 spent. Enjoy complimentary access to airport lounges worldwide with a complimentary Priority Pass membership. Benefit from a low foreign currency markup fee of 2%. The Doctor's Regalia Credit Card provides protection up to Rs. 20 Lakh against costs resulting from professional negligence. Receive travel insurance benefit worth Rs. 1 Crore in case of an air accident. Enjoy a Credit Liability Cover of up to Rs. 9 Lakhs.

The HDFC Bank Doctor’s Regalia Credit Card is an ideal choice for individuals who enjoy shopping.

With a joining fee of Rs. 2,500 + GST and a renewal fee of Rs. 2,500 + GST, this card offers a variety of benefits and rewards.

One of the main advantages of this card is the reward points system.

Every Rs. 150 spent on retail transactions earns you 4 Reward Points.

Additionally, as a welcome gift, you will receive 2,500 Reward Points.

For those who love to travel, the HDFC Bank Doctor’s Regalia Credit Card provides complimentary access to both domestic and international lounges.

You can enjoy this benefit up to 12 times a year for domestic lounges and 6 times for international lounges with the Priority Pass Membership.

In terms of insurance benefits, this credit card offers air accident insurance worth Rs. 1 Crore, emergency overseas hospitalization cover worth up to Rs. 15 Lakhs, and credit liability cover worth up to Rs. 9 Lakhs.

The renewal fee of Rs. 2,500 for this credit card can be waived off if you have spent Rs. 3 Lakhs or more in the previous year.

However, there is a rewards redemption fee of Rs. 99 (plus applicable taxes) when redeeming your rewards.

When using this card for foreign currency transactions, there is a 2% (plus applicable taxes) foreign currency markup.

The interest rate is 3.49% per month (or 41.88% annually).

A noteworthy benefit is the fuel surcharge waiver of 1% on a minimum and maximum spend of Rs. 400 and Rs. 5000 respectively at all petrol pumps across India.

Lastly, for cash advances, the fee is 2.5% of the amount withdrawn or Rs. 500, whichever is higher.

Overall, the HDFC Bank Doctor’s Regalia Credit Card offers a range of benefits and rewards, making it a great choice for avid shoppers.