Everything You Need to Know About HDFC Regalia Credit Card
Introducing the epitome of luxury and convenience, the HDFC Regalia Credit Card. Imagine stepping into a world where every swipe brings forth a multitude of exclusive privileges and unmatched benefits tailored to elevate your lifestyle. But what makes HDFC Regalia special?
Offered by HDFC Bank (India’s leading private sector bank), Regalia is your VIP pass to a world of benefits. Whether you’re shopping, traveling, or dining out, this card has got you covered with its array of features. Access to airport lounges, low forex fees, remarkable rewards, fine-dining benefits, insurance, and 24X7 concierge services attract modern consumers. Furthermore, this premium HDFC Card stands as a beacon of prestige and sophistication in the realm of financial services. Let us discover what this card offers and why it could be a good choice for you.
Perks, Points, and Privileges: The Power of HDFC Regalia
Benefits of HDFC Regalia Credit Card
| Welcome Offers | *New users get a welcome bonus of 2,500 reward points after paying the joining fee |
| Milestone Benefits | *10,000 Regalia reward points on transactions over Rs. 5 lakhs in the anniversary year*Additional 5,000 bonus reward points on spending over Rs. 8 lakhs in the anniversary year |
| Domestic Lounge Access | *complimentary domestic airport lounge access 8 times every year (twice every quarter)*Spend Rs. 1 Lakh and above within a calendar quarter (Jan-Mar), (Apr-June), (Jul-Sept), (Oct-Dec) to avail of this feature |
| International Lounge Access | *Get a free Priority Pass membership with 6 complimentary international lounge visits*Users exceeding complimentary visits will be charged US $27 per person per visit*Apply for the priority pass membership for yourself and add-on members after completing a minimum of 4 retail transactions using your Regalia Credit Card |
| Dine-in Offers | *Enjoy up to 20% discount on all restaurant bill payments via Swiggy Dineout |
| Insurance Benefits | *Accidental Death Cover worth Rs. 1 crore*Medical Emergency Cover worth Rs. 15 lakhs*Lost Card Liability Cover worth Rs. 9 Lakhs |
| Fuel Surcharge Waiver | *1% fuel surcharge waiver (maximum Rs. 500 per month) at fuel stations across India*Offer applicable on transactions between Rs. 400 and Rs. 5,000 |
| Annual Fee Waiver | *annual fee waived on spending Rs. 3 lakhs or more in the previous year |
| Airport Privileges | *priority check-in, waitlist clearance, additional baggage allowance, and a chance to earn 9 Club Vistara points on every Rs.100 spent using the card |
| Concierge Services | *Benefit from 24×7 concierge services for a personalized travel experience |
Regal Rewards: Unlocking the Magic of HDFC Regalia
Who doesn’t love rewards? With HDFC Regalia, every swipe earns you reward points that you can redeem for flights and hotel bookings, merchandise, and vouchers. So, spend more to earn more!
✔️Earn 4 reward points on every Rs. 150 spent. However, Fuel, EasyEMI, or wallet transactions don’t reward you with points.
✔️Earn accelerated reward points via SmartBuy on travel and shopping spends (10x reward points for hotel or bus ticket bookings, 5x points on Amazon shopping, booking flights through Cleartrip and EasemyTrip, Redbus, and Apple Imagine, and 3x points on purchasing from Flipkart and Rail Tickets).
✔️You can earn a maximum of 4,000 points a month with Regalia.
✔️Insurance transactions are capped at 2000 points a day, whereas grocery spends at 2000 reward points, a month.
✔️No reward points are granted on rental, property management, and government spends.
✔️Redeem your reward points before they expire: after 2 years from the date of accumulation.
✔️If the transaction converts to EMI, the reward points earned on that transaction will get reversed.
✔️If you don’t use your card for 1 year, the reward points earned will get nullified.
Reward Points Redemption
Regalia cardholders can redeem reward points on the Smartbuy portal or Netbanking.
| 1 Reward Point = Rs 0.5 | flights and hotel bookings via Smartbuy |
| 1 Reward Point = 0.5 air miles | Airmiles conversion via Netbanking |
| 1 Reward Point = 0.35 | against products and vouchers |
| 1 Reward Point = 0.20 | against cashback |
You can redeem a maximum of 50,000 points per month, against hotel or flight bookings via Smartbuy and the card statement balance. Moreover, for select vouchers and products, these points can be redeemed for up to 70% of the value, while the remaining amount must be paid using your Regalia card.
H4- HDFC Regalia Credit Card: Fees & Charges
| FEE TYPE | AMOUNT |
| Joining Fee | Rs.2,500 |
| Renewal Fee | Rs.2,500 |
| Reward Redemption Fee | Rs.99 |
| Interest Rates | 3.6% per month or 43.20% per annum |
| Cash Withdrawal Charges | 2.5% of the transaction amount or a minimum of Rs. 500 |
| Foreign Currency Markup | 2% of the transaction value |
| Late Payment Fee | Below Rs. 100: NilFrom Rs. 100 to Rs. 500: Rs. 100From Rs. 501 to Rs. 5,000: Rs. 500From Rs. 5,001 to Rs. 10,000: Rs. 600From Rs. 10,001 to Rs. 25,000: Rs. 800From Rs. 25,001 to Rs. 50,000: Rs. 1,100Above Rs. 50,000: Rs. 1,300 |
Eligibility Criteria
To have this Regalia Card, you need to meet the criteria set by HDFC Bank.
| CATEGORY | AGE | INCOME |
| Salaried Individuals | 21 to 60 years | Minimum 1 lakh per annum |
| Self-employed Individuals | 21 to 65 years | Minimum 12 lakhs per annum |
Apart from, age and income, a good credit score is also required to qualify for the card.
Documentation: Proof of Your Identity, Address, and Income
| IDENTITY PROOF | Passport, Aadhar Card, Driving Licence, PAN Card, Voter ID |
| ADDRESS PROOF | Aadhar Card, Passport, Ration Card, Electricity Bill |
| INCOME PROOF | Form 16, Salary Slips, latest IT Return, Bank Statement |
Application Process
Getting your hands on HDFC’s Regalia Credit Card is simple. Here’s what you need to do:
✔️Apply online through HDFC Bank’s official website or app
✔️For offline applications, visit the nearest HDFC branch.
✔️Fill out the application form with personal details.
✔️Submit supporting documents like ID proof, address proof, and income proof.
✔️Wait for your application approval.
✔️Once approved, your new Regalia Credit Card will be delivered to your address.
Why Choose HDFC Regalia?
✔️Travel Benefits
✔️Globally Accepted
✔️Insurance Cover
✔️Dining Discounts
✔️24/7 Concierge Service:
✔️Reward Points
✔️Lifestyle Benefits
✔️Low Forex Fee
Other Premium HDFC You May Consider Include:
✔️HDFC Millennia Credit Card
✔️HDFC MoneyBack Credit Card
✔️HDFC Diners Club Black Credit Card
✔️IndianOil HDFC Bank Credit Card
✔️6E Rewards – IndiGo HDFC Bank Credit Card
Conclusion: Experience the Extraordinary with Regalia
If you want to enjoy exclusive privileges and benefits, the HDFC Regalia Credit Card is your key to world-class experiences. From reward points and travel perks to dining and lifestyle benefits, the possibilities are endless. Whether you’re a frequent traveler, a food enthusiast, or looking to elevate your lifestyle, Regalia has it all. However, it’s important to evaluate the eligibility criteria, fees, and charges before applying. So, if you meet the requirements and use your card wisely, Regalia can be your trusted companion in lifelong adventures. Don’t delay! Apply for HDFC Regalia today and elevate your lifestyle to new heights.
