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HDFC
World Elite
•••• •••• •••• 0000
Regalia
HDFC Bank • MasterCard• World
Annual Fee
Free
Base Reward Rate
1.33%
Foreign Tx Fee
2%
Tier
World
Joining Fee
Free
Verified
2026-05-28
Domestic & international access details and eligibility criteria
⚠️ Activation: ₹1,00,000 per year
12 complimentary domestic lounge visits/year; ₹1,00,000 net annual spend activates the benefit (the prior ₹1L-per-QUARTER gate was wrong).
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹7,838
Blended 1.26% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
HDFC Regalia (Visa Signature / Mastercard World variants). ₹2,500+GST joining/annual; often issued as FYF or LTF. Renewal fee waived on ₹3L spend in prior year. 4 RP/₹150 base (~1.3%, 1 RP = ₹0.50 via SmartBuy flights/hotels; ₹0.35 vouchers; ₹0.20 cashback; 0.5 airmile). Welcome + renewal: 2,500 RP each (paid-card variants only — not given on LTF). **Domestic lounge access changed (Nov 2023):** 2/quarter via Visa/MC, **requires ₹1L spend in same quarter**; voucher delivered via SmartBuy QR. International: 6/yr shared via Priority Pass (each add-on card gets a separate PP). $27+GST/visit beyond 6. Milestones: 10K RP at ₹5L; +5K RP at ₹8L (total 15K RP, ~₹7,500 value via SmartBuy). Insurance: Air accident ₹1 Cr, Emergency overseas hospitalization ₹15L, Lost card liability ₹9L. Forex 2% + GST = 2.36%. DCC 1% on intl. 1% fuel surcharge waiver (₹400-5,000 txns, max ₹500/cycle). 20% off via Good Food Trail (Swiggy Dineout, 20,000+ restaurants — Swiggy app only). Golf (Mastercard variant): 1 lesson/month + 4 games/year. 24×7 concierge. Smart EMI 6-24 months. Rent pay fee 1% (since 01.01.2023). Auto-EMI on ₹10K+ retail (excl fuel/jewellery/gold) at 20% p.a. + ₹99 processing. | AUDIT 2026-05-28: per sources, **Regalia is discontinued for new applicants** (existing holders retain benefits). **Domestic lounge: voucher redemption required** (2/qtr requires ₹1L quarterly spend AND quarterly voucher redemption).
✓ No activation spend required — access is unconditional.
6 international lounges/year via Priority Pass (shared between primary + add-on cards). $27+GST per visit beyond 6. Each add-on cardholder gets a SEPARATE Priority Pass card — useful for families.