The HDFC Bank Regalia Gold Credit Card is among the top products in HDFC Bank’s credit card portfolio, balancing luxury with value. Issued to keep in mind high-spending customers, this credit card offers a broad set of features that are designed to make the travel and shopping experiences more rewarding. There is an accelerated reward for the cardholder on certain purchases, thus making it a very attractive option for frequent shoppers and travellers.
The Regalia Gold Credit Card, since its introduction, has been renowned for its very stringent rewards programs and travel benefits. Complimentary membership includes MMT Black Elite and Club Vistara Silver Tier; such travel convenience features privileged services and exclusive discounts. The HDFC Regalia Gold Credit Card best suits those who seek sophistication coupled with practical benefits.
Table of Contents
- HDFC Regalia Gold Credit Card
- HDFC Regalia Gold Credit Card – Features and Benefits
- How to Earn and Redeem HDFC Regalia Gold Credit Card Reward Points
- HDFC Bank Regalia Gold Credit Card – Fees and Charges
- HDFC Bank Regalia Gold Credit Card – Product Details
- HDFC Bank Regalia Gold Credit Card – Eligibility Criteria
- Documents Required for HDFC Bank Regalia Gold Credit Card
- How to Activate HDFC Regalia Gold Credit Card
- FAQs:
HDFC Regalia Gold Credit Card
Joining Fee:
₹ 2,500 + GST
Best Suited :
Travel | shopping
Renewal Fee:
₹ 2,500 + GST (Waived on annual spend of ₹4 Lakhs)in the previous year)
Reward Type:
Reward Point
Welcome Benefits:
Complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over ₹1 Lakh within 90 days of issuance.
HDFC Regalia Gold Credit Card – Features and Benefits
- Welcome Benefits
- MMT Black Elite: Get exclusive discounts, early check-ins, room upgrades, and more.
- Club Vistara Silver Tier: Enjoy priority check-in, extra baggage allowance, 1 complimentary class upgrade, and earn 9 CV Points per ₹100 spent.
- Travel Benefits
- 12 complimentary domestic airport lounge visits each year.
- 6 complimentary international lounge access through Priority Pass annually.
- Complimentary flight tickets and vouchers for achieving spending milestones.
- Milestone Benefits
- Spend ₹1.5 Lakhs in a quarter to earn vouchers worth ₹1,500 from partner brands like Marks & Spencer, Myntra, Marriott, and Reliance Digital.
- Spend ₹5 Lakhs in a year to get ₹5,000 in flight vouchers.
- Insurance Coverage
- ₹1 Crore accidental air death cover.
- Emergency overseas hospitalization cover worth ₹15 Lakhs.
- ₹9 Lakhs credit liability coverage.
- Annual Fee Waiver
- Spend ₹4 Lakhs in the card anniversary year to get the renewal fee waived.
How to Earn and Redeem HDFC Regalia Gold Credit Card Reward Points
1. How to Earn Reward Points:
- Retail Spends: Earn 4 Reward Points for every ₹150 spent on retail, including utilities, insurance, and education.
- Partner Merchants: Earn 20 Reward Points for every ₹150 spent at Myntra, Nykaa, Marks & Spencer, and Reliance Digital.
- Milestone Benefits: Earn bonus vouchers and flight tickets on reaching quarterly and annual spending milestones.
2. How to Redeem Reward Points:
- Smartbuy Portal:
- Redeem RPs for flight and hotel bookings at 1 RP = ₹0.50.
- Use RPs for products and gift vouchers at 1 RP = ₹0.35.
- Airmiles: Convert RPs to Airmiles (1 RP = 0.50 Airmiles) through Netbanking.
- Gold Catalogue: Redeem points for exclusive items in the Gold Catalogue at 1 RP = ₹0.65 on Smartbuy.
- Cashback: Redeem RPs as cashback against your card statement (1 RP = ₹0.20), with a limit of 50,000 RPs per month.
HDFC Bank Regalia Gold Credit Card – Fees and Charges
| Description | Details |
|---|---|
| Interest Rate: | 3.6% per month (43.2% annually) |
| Cash Advance Fee: | 2.5% of the amount withdrawn or a minimum of ₹500 |
| Late Payment Fee: | ➡ ₹0 for the total amount due up to ₹100 ➡₹100 for dues between ₹100 to ₹500 ➡₹500 for dues between ₹501 to ₹5,000 ➡ ₹600 for dues between ₹5,001 to ₹10,000 ➡ ₹800 for dues above ₹10,000 |
| Foreign Currency Markup Fee: | 2% of the transaction amount |
| Over-limit Fee: | 2.5% of the over-limit amount (minimum ₹500) |
| Reward Redemption Fee: | ₹99 per redemption request |
HDFC Bank Regalia Gold Credit Card – Product Details
- Earn 4 Reward Points for every ₹150 spent on retail, and 20 Reward Points for every ₹150 spent at partner stores like Myntra, Nykaa, and Marks & Spencer.
- 12 complimentary domestic lounge visits and 6 international lounge visits annually through Priority Pass.
- Complimentary MMT Black Elite and Club Vistara Silver Tier memberships upon spending ₹1 Lakh within 90 days.
- Vouchers worth ₹1,500 per quarter on spending ₹1.5 Lakhs, and ₹5,000 flight vouchers on spending ₹5 Lakhs annually.
- Insurance coverage of ₹1 Crore accidental air death cover, ₹15 Lakhs emergency overseas hospitalization, and ₹9 Lakhs credit liability cover.
- Use points for flight/hotel bookings, product vouchers, cashback, or convert to Airmiles through the Smartbuy portal.
- Minimum annual income of ₹12 Lakhs for self-employed and ₹1 Lakh monthly for salaried individuals.
HDFC Bank Regalia Gold Credit Card – Eligibility Criteria
To apply for the HDFC Bank Regalia Gold Credit Card, you must meet the following eligibility requirements:
1. Age:
| Salaried Individuals: 21 to 60 years | |
| Self-employed Individuals: 21 to 65 years |
2. Income:
| Salaried Individuals: | Minimum monthly income of ₹1 Lakh |
| Self-employed Individuals: | Minimum annual income of ₹12 Lakhs |
3. Credit Score: Applicants must have a good credit score and a positive credit history to be eligible for the card.
Documents Required for HDFC Bank Regalia Gold Credit Card
To apply for the HDFC Bank Regalia Gold Credit Card, you will need the following documents:
1. Proof and Address:
| Proof of Identity | Proof of Address |
|---|---|
| Aadhaar Card | Aadhaar Card |
| Passport | Utility Bills (Electricity/Telephone) |
| PAN Card | Passport |
| Voter ID | Ration Card |
| Driving License | Voter ID |
2. Income Proof:
| Salaried: | Latest salary slips or bank statements (3 months) |
| Self-employed: | Income tax returns (ITR) of the past year, audited financial statements, or bank statements |
Note: A PAN card is mandatory for all applicants.
How to Activate HDFC Regalia Gold Credit Card
- Online Activation:
- Log in to HDFC NetBanking using your credentials.
- Navigate to the “Credit Cards” section and select “Activate Credit Card”.
- Enter the card details as prompted, including the card number, and follow the on-screen instructions to complete the activation.
- Mobile Banking Activation:
- Open the HDFC Mobile Banking app and log in with your credentials.
- Go to the “Credit Cards” section and select “Activate Card”.
- Enter the required card details and follow the instructions to activate your card.
- Phone Activation:
- Call the HDFC customer care number provided on the card’s welcome kit.
- Follow the instructions given by the representative to activate your card. You may need to verify your identity by providing personal details.
- ATM Activation:
- Insert your new HDFC Regalia Gold Credit Card into an HDFC ATM.
- Select the “PIN Generation” option and follow the prompts to create a new PIN. The card will be activated once you complete this process.
FAQs:
Q1. Is it possible to pay with my HDFC Regalia Gold Credit Card outside India?
Ans: It means that the card is appropriate to use within the borrower’s home country and in any other country all over the world. Some of the rewards include; 6 International lounge accesses offered by the company free of charge While transacting in foreign currency, the company charges a markup fee of 2%.
Q2. How can I access or check my Reward Points balance?
Ans: You can track your Reward Points by using your HDFC Net Banking, HDFC Mobile Banking or by calling HDFC Customer Care. The balance is real-time, and one can access it under the credit card tab on the application.
Q3. Can Reward Points be redeemed for cash equivalent, are there any limitations on this?
Ans: Yes, you can redeem the Reward Points for cash back with a certain condition that the maximum redemption is 50000 RPs per month. The exchange ratio of cashback redemption is 1 RP = ₹ 0. 20.
Q4. What if I fail to access the lounge for the complimentary vouchers available before the end of the year?
Ans: The lounge accesses that come with the card are for the calendar year and any remaining cannot be rolled over to the next year. This means that if you have booked the lounge visits for certain months and didn’t use them in that particular year, they are useless in the next year.
Q5. Are there any supplementary cards in the HDFC Regalia Gold Credit Card account?
Ans: Yes, it is possible for applicants on your card line to avail Add-on cards for other family members on the Main Card holder’s account. These additional cards will come with similar privileges to the primary or the first card such as lounge access and Reward Points.