Credit Card Compare

Doctor's Regalia Credit Card

Data last updated 25 October 2026
45.00%
Purchase rate
₹2,500
Annual fee
2,500
Bonus points

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Application

CardIQ

36Basic

Basic

Overall score, out of 100 · How this works

  • Airport lounge39
  • Rewards31
  • Sign-up bonus23
  • Travel53

Customer reviews

No reviews yet. Be the first to review the Doctor's Regalia Credit Card.

Pros & cons

What's good

  • 2,500 bonus points to start, worth around ₹1,250 at our ₹0.5-per-point valuation.
  • Complimentary airport lounge access (12 visits a year).
  • No fee to add an additional cardholder.

Worth noting

  • Fee is ₹2500 + applicable taxes (GST at 18%); taxes not included in stated amount. Annual fee waived if ₹3 lakh spent in 12 months. Add-on card fee is lifetime free.
  • Earns 4 reward points per ₹150 on everyday spend, around the dataset average.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Signature
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
HDFC Bank Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
Not published
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹2,500 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
2%
Late payment fee
₹1,300
Over limit fee
₹550

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
5% of (Finance Charge + Retail Spends + Cash Advance) or 100% of Finance Charges + 5% of Retail Spends + Cash Advance, whichever applies; minimum ₹200

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
4 reward points per ₹150
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Reward points are valid only for 2 years from the date of accumulation.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
2,500 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Rewards value₹7,200 a yearTop 10% (5th of 61 cards)
Interest-free days50 daysTop 10% (8th of 73 cards)
Purchase rate45.00%Top 25% (21st of 91 cards)
Overseas fee2.00%Top 25% (22nd of 91 cards)
Sign-up bonus₹1,250Better than most (12th of 37 cards)
Annual fee₹2,500 a yearNot as good as most cards (64th of 91 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
HDFC Bank