{
  "id": "hdfc-regalia",
  "locale": "hinglish",
  "name": "HDFC Bank Regalia Credit Card",
  "bank": "HDFC Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹2,500 + GST",
  "loungeAccess": "12 Domestic & 6 International Lounges / year",
  "rewardsRate": "1.33% Base (4 RP/₹150) · Up to 6.6% on SmartBuy · 18 Global Lounges · 2.0% Forex",
  "bestFor": "Mid-to-senior executives, regular domestic & international flyers, low forex spending & family travel",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/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-regalia",
  "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 — Regalia Credit Card schedule of charges",
    "HDFC SmartBuy — 5X reward points and lounge terms"
  ],
  "feeWaiver": "₹3,00,000 annual spend par fee waive",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Base Reward Rate",
      "value": "1.33% (4 RP / ₹150)"
    },
    {
      "key": "SmartBuy Travel",
      "value": "Up to 6.6% (5X Multiplier)"
    },
    {
      "key": "Global Lounges",
      "value": "12 Domestic + 6 Intl"
    },
    {
      "key": "Milestone Bonus",
      "value": "15,000 Bonus Points (₹7.5k)"
    },
    {
      "key": "Forex Markup",
      "value": "2.0% + GST"
    },
    {
      "key": "Annual Fee",
      "value": "₹2,500 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "HDFC SmartBuy Flights & Hotels",
      "rate": "6.6% (5X Accelerated Rewards)",
      "monthlyCap": "4,000 bonus pts / month",
      "perLakhSpent": "6,666 RP (₹3,333 flight value)"
    },
    {
      "category": "All Other Domestic & Intl Retail",
      "rate": "1.33% (4 RP / ₹150)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,666 RP (₹1,333 flight value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "SmartBuy Travel Portal",
      "multiplier": "5×",
      "rate": "6.6%",
      "monthlyCap": "4,000 bonus pts / month",
      "dailyCap": "—",
      "note": "5X on flights & hotels."
    },
    {
      "channel": "Annual Spend Milestones",
      "multiplier": "Milestone",
      "rate": "15,000 Bonus Points",
      "monthlyCap": "Annual milestone",
      "dailyCap": "—",
      "note": "10k on ₹5L + 5k on ₹8L spend."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "SmartBuy Flight & Hotel Bookings",
      "value": "₹0.50 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "Up to 70% of booking value",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Gift Vouchers & Catalog",
      "value": "₹0.35 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil"
    },
    {
      "route": "Cashback Statement Credit",
      "value": "₹0.20 / Reward Point",
      "minPoints": "2,500 pts",
      "ceiling": "None",
      "fee": "₹99 + GST"
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹5,000).",
    "Government utilities & wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹2,500 + GST (2,500 Reward Points welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹2,500 + GST (Waived at ₹3,00,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "2.0% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.6% / month (43.2% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹1.0 Lakh+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹12.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}