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HDFC Regalia Credit Card

HDFC Bank’s Regalia credit card offers a range of lifestyle and travel rewards, providing cardholders with enticing benefits upon joining. Enjoy perks like complimentary lounge access and various advantages in travel, dining, and shopping categories when you make use of this credit card.

Key Highlights of HDFC Regalia Credit Card

Joining fee Rs. 2,500 + applicable taxes
Annual fee Rs. 2,500 + applicable taxes
Best for Reward Points
Benefits Complimentary airport lounge access, reward points, zero lost card liability, 1% fuel surcharge waiver, etc.
Rewards 4 reward points on every Rs. 150 retail spend
Age 21 to 60 years/65 years
Minimum monthly income Rs. 1,00,000
Foreign currency markup 2% on all foreign currency spend

Features and Benefits of HDFC Bank Regalia Credit Card

1. Airport Lounge Access:

  • 12 complimentary lounge accesses at Indian airports per year.
  • 6 complimentary lounge accesses at international airports per year.

2. Reward Points:

  • Get 10,000 bonus Reward Points on spending Rs. 5 lakhs in a year.
  • Additional 5,000 Reward Points on spending Rs. 8 lakhs in a year.
  • Earn 4 Reward Points on every Rs. 150 spent on retail purchases.

3. Additional Benefits:

  • Zero liability on fraudulent transactions if you lose your card and report it immediately.
  • 2% foreign currency markup on foreign spends.
  • Revolving credit option available at a nominal interest rate.
  • 24/7 Concierge services for cardholders.

4. Lounge Access Details:

  • 12 complimentary lounge visits within India per year.
  • Priority Pass for 6 complimentary lounge visits per year outside India.
  • Extra visits beyond the complimentary quota will have charges.

5. Fuel Surcharge Waiver:

  • 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 5000 at any fuel station in India.

6. Good Food Trail Program:

  • Enjoy up to 20% savings on restaurant bills via Swiggy Dineout (20k+ restaurants).

7. Milestone Benefit:

  • Earn 10,000 bonus Reward Points on spending Rs. 5 lakhs in a year.
  • Earn additional 5,000 Reward Points on spending Rs. 8 lakhs in a year.

8. Renewal Offer:

  • Renewal fee waived if you spend more than Rs. 3 lakhs in the previous year.

9. Smart EMI:

  • Convert big spends into EMI after purchase.

10. Contactless Payment:

  • Card enabled for contactless payments up to Rs. 5000 without a PIN.

11. Insurance and Protection:

  • Accidental air death cover worth Rs. 1 Crore.
  • Emergency overseas hospitalization coverage up to Rs. 15 lakhs.
  • Lost Card Liability Cover up to Rs. 9 lakhs.

12. Reward Point/CashBack Redemption:

  • Earn 4 Reward Points on every Rs. 150 retail spend.
  • Redeem Reward Points for flights, hotels, airmiles, products, vouchers, or cashback.

Welcome Benefit of 2500 Reward Points and renewal benefit of 2500 Reward Points applicable only after the membership fee is paid and not when the fee is waived off.

HDFC Regalia Credit Card Fees and Charges

  1. Joining Fee: Rs. 2,500 + taxes
  2. Renewal Fee: Rs. 2,500 + taxes
  3. Spend based Waiver: Spend more than Rs. 3 lakh in the previous year to get the annual fee waived off from the second year onwards.
  4. Rewards Redemption Fee: Rs. 99 + taxes
  5. Foreign Currency Markup: 2% on all foreign currency transactions.
  6. Interest Rates: 3.6% per month or 43.2% annually.
  7. Fuel Surcharge: 1% fuel surcharge waived at all fuel stations in India on transactions between Rs. 400 and Rs. 5000.
  8. Cash Advance Charge: 2.5% of the transaction amount or Rs. 500 (whichever is higher).

HDFC Bank Regalia Credit Card Eligibility

For Salaried Indian National:

  • Age: Between 21 and 60 years.
  • Net Monthly Income: Should be more than Rs. 1 Lakh.

For Self-Employed Indian National:

  • Age: Between 21 and 65 years.
  • Annual Income (ITR): Should be more than Rs. 12 Lakhs.

Documents Required for HDFC Bank Regalia Credit Card

  1. Identity Proof: You can use any of the following – Aadhar Card, Voters Id, Driving License, Passport, PAN Card, etc.
  2. Address Proof: You can submit any of the following – Ration Card, Aadhar Card, Utility Bills, Passport, Driving License, etc.
  3. Income Proof: You need to provide any of the following – Latest salary slips, latest bank statement, latest ITR (Income Tax Return), pension book, etc.

How to apply for HDFC Regalia Credit Card?

  1. Go to the HDFC Bank website.
  2. Select the ‘Regalia’ credit card.
  3. Click on the ‘Apply Online’ button.
  4. Fill in your details like name, mobile number, email ID, company name, monthly income, etc.
  5. Click on ‘Submit’.
  6. HDFC will review your application and contact you via phone call or SMS on your registered mobile number.
  7. If you are eligible for the card, they will inform you about the application process and guide you through the next steps.

Frequently Asked Questions (FAQs)

1. What is HDFC Regalia Credit Card?

HDFC Regalia Credit Card is a premium credit card offered by HDFC Bank. It is designed to provide exclusive benefits and privileges to cardholders, including travel and lifestyle benefits.

2. How can I apply for HDFC Regalia Credit Card?

You can apply for the HDFC Regalia Credit Card online through the HDFC Bank website or by visiting the nearest HDFC Bank branch.

3. What are the key features of HDFC Regalia Credit Card?

The HDFC Regalia Credit Card offers features such as airport lounge access, travel benefits, reward points on expenditures, concierge services, and exclusive discounts on dining and lifestyle.

4. What is the eligibility criteria for HDFC Regalia Credit Card?

The eligibility criteria for HDFC Regalia Credit Card may include minimum income requirements, age criteria, and a good credit score. Specific details can be obtained from the HDFC Bank website or customer service.

5. How do I check the status of my HDFC Regalia Credit Card application?

You can check the status of your credit card application online through the HDFC Bank website or by contacting the HDFC Bank customer service.

6. What is the annual fee for HDFC Regalia Credit Card?

The annual fee for HDFC Regalia Credit Card varies, and there may be an option to get the fee waived based on the annual spending. Please refer to the latest fee structure provided by HDFC Bank.

7. What are the reward points and how can I redeem them?

HDFC Regalia Credit Card earns reward points on eligible transactions, and these points can be redeemed for a variety of options, including air miles, merchandise, and vouchers. Redemption details are available on the HDFC Bank website.

8. Does HDFC Regalia Credit Card offer international usage?

Yes, HDFC Regalia Credit Card can be used internationally. However, it’s advisable to inform the bank about your travel plans to avoid any inconvenience.

9. How does the airport lounge access benefit work?

HDFC Regalia Credit Card provides complimentary access to airport lounges. Cardholders need to present their credit card at eligible lounges for access. Details of eligible lounges can be found on the HDFC Bank website.

10. What should I do if my HDFC Regalia Credit Card is lost or stolen?

In case of a lost or stolen card, you should immediately contact HDFC Bank’s customer service to report the incident. The bank will guide you through the process of blocking the card and issuing a replacement.

11. Can I convert my HDFC Regalia Credit Card transactions into EMIs?

Yes, HDFC Regalia Credit Card offers the option to convert certain transactions into easy monthly installments (EMIs). Details regarding eligible transactions and the EMI conversion process can be obtained from HDFC Bank.