{
  "id": "hdfc-doctors-regalia-credit-card",
  "locale": "hi",
  "name": "HDFC Doctors Regalia Credit Card",
  "bank": "HDFC Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹2,500 + GST",
  "loungeAccess": "12 डोमेस्टिक लाउंज/वर्ष + Priority Pass से 6 इंटरनेशनल लाउंज",
  "rewardsRate": "4 अंक/₹150 (1.33%) · ₹20 लाख प्रोफेशनल इंडेम्निटी कवर · 12 लाउंज",
  "bestFor": "डॉक्टर व चिकित्सा पेशेवर, कानूनी क्षतिपूर्ति बीमा, प्रीमियम यात्रा व एयरपोर्ट लाउंज",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/doctors-regalia-credit-card",
  "aiVerdict": {
    "score": 5,
    "summary": "Its modest reward rate and low annual fee plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1.33,
  "affiliateId": "hdfc-doctors-regalia-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — Doctors Regalia Credit Card schedule of charges",
    "HDFC Medical Professional Indemnity & Travel benefit terms"
  ],
  "feeWaiver": "₹3,00,000 वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "बेस रिवॉर्ड्स",
      "value": "4 अंक / ₹150 (1.33%)"
    },
    {
      "key": "चिकित्सा क्षतिपूर्ति",
      "value": "₹20 लाख बीमा कवर"
    },
    {
      "key": "एयरपोर्ट लाउंज",
      "value": "12 डोम + 6 इंट (Priority Pass)"
    },
    {
      "key": "फॉरेक्स मार्कअप",
      "value": "2.0% + GST (कम शुल्क)"
    },
    {
      "key": "शुल्क माफी लक्ष्य",
      "value": "₹3,00,000 / वर्ष"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹2,500 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "सभी रिटेल व मेडिकल उपकरण खर्च",
      "rate": "4 pts / ₹150 (1.33%)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "2,666 pts (₹1,333 मूल्य)"
    },
    {
      "category": "ईंधन और किराया",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "व्यावसायिक क्षतिपूर्ति",
      "multiplier": "बीमा सुरक्षा",
      "rate": "₹20 लाख कवर",
      "monthlyCap": "—",
      "dailyCap": "—",
      "note": "चिकित्सा लापरवाही सुरक्षा।"
    },
    {
      "channel": "एयरपोर्ट लाउंज",
      "multiplier": "18 / वर्ष",
      "rate": "12 डोम + 6 इंट",
      "monthlyCap": "—",
      "dailyCap": "—",
      "note": "घरेलू + प्रायोरिटी पास।"
    },
    {
      "channel": "शुल्क माफी",
      "multiplier": "100%",
      "rate": "₹2,500 की छूट",
      "monthlyCap": "1 / वर्ष",
      "dailyCap": "—",
      "note": "₹3,00,000 खर्च पर पूरी फीस माफ।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "SmartBuy ट्रैवल बुकिंग (फ्लाइट्स व होटल)",
      "value": "₹0.50 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "ब्रांड शॉपिंग वाउचर्स",
      "value": "₹0.35 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंप खरीद (सरचार्ज माफी के बाहर)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹2,500 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹2,500 + GST (₹3 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "2.0% + GST (कम शुल्क)"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.49% प्रति माह (41.88% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "पेशा",
      "requirement": "पंजीकृत डॉक्टर (MBBS, MD, MS, BDS) वैध MCI/State काउंसिल रजिस्ट्रेशन के साथ"
    },
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 65 वर्ष"
    },
    {
      "criteria": "वार्षिक आय",
      "requirement": "₹6.0 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}