I am also a user of HDFC regalia credit card and frankly speaking card works fine. But only problem is I cannot connect to the customer care till date after activation. Below are the numbers 18002664332 / 02261606161 but just run through IVR only. I was never able to connect, in fact never got option to connect customer care representative, after activation of card. Also I don't have HDFC bank account so I cannot check my bills online which is a very big problem and not even able to redeem or able to find out how many points are in my account. When spoke to customer care representative in the earlier days at the time of activation, they said its not possible to login online without an HDFC bank account. No other bank has such problems, I also have other bank credit cards but this is terrible. You have to keep waiting for a long IVR to get the option which is not at all sufficient. I am using this card but if such type of services are not improved will never recommend this card. I would strongly recommend HDFC representatives, if any who reads this to pass to the concern department and improve the services to avoid any loss of customers. Customers use the card when they are happy and very much convenient with the services.