HDFC Regalia Gold Credit Card

HDFC Bank’s Regalia credit card series is highly sought after for its outstanding travel and lifestyle benefits. Their recent addition, the Regalia Gold credit card, elevates your travel and shopping experiences with exclusive rewards and promotions.

Priced at an annual fee of Rs. 2500, the Regalia Gold card provides a complimentary MMT Black Elite and Club Vistara Silver Tier membership when you spend over Rs. 1 Lakh within 90 days of card issuance. Cardholders earn 4 Reward Points for every Rs. 150 spent on retail purchases and a boosted 5x Reward Points for every Rs. 150 spent at select stores and online outlets like Nykaa, Reliance Digital, Myntra, and Marks & Spencer.

Key Highlights of HDFC Bank Regalia Gold Credit Card

1. Best Suited For: Ideal for Travel and Rewards.

2. Annual Fee: Priced at Rs. 2,500.

3. Minimum Income Required:

  • For salaried individuals: Minimum monthly income of Rs. 1 Lakh.
  • For self-employed: Minimum ITR (Income Tax Return) of Rs. 12 Lakh per annum.
  • Best Feature: Earn flight ticket vouchers worth up to Rs. 10,000 annually by achieving specific spending milestones.

4. Reward Rate: Earn 4 reward points for every Rs. 150 spent.

5. Special Rewards:

  • Enjoy 5X rewards on purchases at Marks and Spencer, Reliance Digital, Myntra, and Nykaa.

Features and Benefits of HDFC Regalia Gold Credit Card

The HDFC Regalia Gold Credit Card offers various additional features:

1. Zero Liability for Lost Cards:

  • Notify immediately to avoid responsibility for unauthorized transactions.

2. Mark up Currency:

  • 2% markup on foreign currency purchases.

3. Revolving Credit:

  • Access low-interest revolving credit.

4. Lounge Access:

  • Enjoy 12 complimentary lounge access points within India.
  • Use your card to scan for free lounge entry.
  • Additional visits incur fees at the lounge’s discretion.

5. Priority Pass:

  • Get up to six free international lounge visits annually for you and an add-on member.
  • Apply after four retail purchases.
  • Fees apply for extra visits or domestic lounge access.

6. Welcome Benefit:

  • Receive a welcome benefit of Rs.2,500.
  • Spend Rs.1 lakh in 90 days for Club Vistara Silver Tier and MMT Black Elite Membership.

7. Milestone Benefit:

  • Spend milestones offer coupons and flight vouchers.

8. Annual Spend-Based Benefit:

  • Spend Rs.4 lakh in a year to waive the renewal fee.

9. Contactless Payment:

  • Use contactless payments for quick and secure transactions.

10. Insurance:

  • Accidental air death insurance (Rs.1 crore).
  • Emergency medical care abroad (up to Rs.15 lakh).
  • Credit liability coverage (up to Rs.9 lakh).

HDFC Bank Regalia Gold Credit Card Fees and Charges

Here are the fees and charges associated with the HDFC Bank Regalia Gold Credit Card:

  • Annual Fee: Rs.2,500
  • Renewal Fee: Rs.2,500 (can be waived if you spend Rs.4 lakh or more in a calendar year)

HDFC Regalia Gold Credit Card Eligibility

Eligibility criteria for the HDFC Regalia Gold Credit Card are as follows:

For Salaried Indian Nationals:

  • Age: Between 21 and 60 years.
  • Minimum Net Monthly Income: Rs 1,00,000.

For Self-Employed Indian Nationals:

  • Age: Between 21 and 65 years.
  • Minimum Annual Income as per ITR: Rs 12 Lakhs.

Documents Required for Regalia Gold Credit Card

The specific document requirements for the Regalia Gold Credit Card may vary slightly, but typically, you’ll need the following:

1. Identity Proof: Any one of the following:

  • Aadhar Card
  • Passport
  • Voter ID
  • Driving License
  • PAN Card

2. Address Proof: Any one of the following:

  • Aadhar Card
  • Passport
  • Utility bills (electricity, water, gas) in your name
  • Rental agreement
  • Bank statement or passbook

3. Income Proof: Any one of the following:

  • Salary slips (for salaried individuals)
  • Income Tax Returns (ITR)
  • Form 16 (for salaried individuals)
  • Business/Professional income proof (for self-employed individuals)

4. Passport-size Photographs: Usually, two recent passport-size photographs.

How to apply for HDFC Regalia Gold Credit Card

To apply for an HDFC Regalia Gold Credit Card, follow these general steps:

1. Check Eligibility: Ensure that you meet the eligibility criteria for the HDFC Regalia Gold Credit Card, including age, income, and other requirements.

2. Gather Documents: Collect the necessary documents, such as identity proof, address proof, income proof, and passport-size photographs.

3. Online Application:

  • Visit the HDFC Bank official website.
  • Navigate to the credit card section.
  • Select the HDFC Regalia Gold Credit Card as your choice.
  • Fill out the online application form with your personal, financial, and contact details.
  • Upload the required documents.

4. Offline Application:

  • Visit the nearest HDFC Bank branch.
  • Collect the credit card application form or request it from the bank’s representative.
  • Fill out the form with the required information.
  • Attach photocopies of the necessary documents.
  • Submit the completed application form and documents to the bank.

5. Verification: The bank will review your application and documents. They may contact you for further verification or clarification.

6. Approval: Once your application is approved, you will receive your HDFC Regalia Gold Credit Card at the address provided in the application.

Frequently Asked Questions (FAQs)

1. What is HDFC Regalia Gold Credit Card?

HDFC Regalia Gold Credit Card is a premium credit card offering a range of benefits, including travel privileges, lifestyle rewards, and exclusive access to various services. It is designed to cater to the financial needs and preferences of high-income individuals.

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

You can apply for the HDFC Regalia Gold Credit Card through the official HDFC Bank website or by visiting the nearest HDFC Bank branch. The application process typically involves filling out an online form, providing necessary documents, and undergoing a credit assessment.

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

The key features include travel benefits such as airport lounge access, complimentary insurance coverage, reward points on spending, concierge services, and exclusive discounts on dining and lifestyle experiences.

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

The eligibility criteria may vary, but generally, applicants should have a stable income, a good credit history, and meet the bank’s internal criteria. Specific details can be obtained from the HDFC Bank website or customer service.

5. How do I earn reward points with HDFC Regalia Gold Credit Card?

Cardholders can earn reward points by making purchases using their HDFC Regalia Gold Credit Card. The points can be accumulated and later redeemed for a variety of rewards, including travel vouchers, merchandise, and more.

6. Can I use HDFC Regalia Gold Credit Card internationally?

Yes, HDFC Regalia Gold Credit Card can be used internationally. It is accepted at millions of merchant establishments and ATMs worldwide. However, it’s advisable to inform the bank about your travel plans to prevent any inconvenience due to international transactions.

7. Is there an annual fee for HDFC Regalia Gold Credit Card?

Yes, HDFC Regalia Gold Credit Card usually comes with an annual fee. The specific fee details, including any waivers or conditions, can be found in the terms and conditions provided by HDFC Bank.

8. How do I check my HDFC Regalia Gold Credit Card statement?

You can check your HDFC Regalia Gold Credit Card statement through the HDFC Bank net banking portal or by opting for monthly statements via email. Additionally, you can visit the nearest HDFC Bank branch for assistance.

9. What benefits does HDFC Regalia Gold Credit Card offer for travel?

The card provides benefits such as airport lounge access, complimentary insurance coverage, travel concierge services, and exclusive discounts on hotel bookings and flight tickets. Details of these benefits can be found in the card’s terms and conditions.

10. How do I contact HDFC customer service for Regalia Gold Credit Card queries?

You can contact HDFC customer service through the helpline number provided on the back of your credit card or through the official HDFC Bank website. Additionally, you can visit the nearest HDFC Bank branch for in-person assistance.