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HDFC Regalia Credit Card

The HDFC Regalia Credit Card provides numerous rewards and travel advantages. It is best suited for consumers who want to earn reward points on card transactions.Furthermore, if you are a frequent traveller, you can benefit from this credit card because it provides complimentary international and domestic lounge access each year, as well as a minimal forex markup cost. This is an excellent option if you frequently use your credit card and want to earn reward points on your purchases.

 

Benefits and Features of HDFC Bank Regalia Credit Card

Travel Benefits

Complimentary airport lounge visits:

  1. With a complimentary Priority Pass membership, enjoy access to more than 1,000 airport lounges across the globe. The primary member along with the add-on credit cards will get 6 complimentary visits to lounges outside India in a calendar year.
  2. Cardholders can also enjoy complimentary access to domestic airport lounges, through the Regalia Visa Credit Card Lounge program. The programme provides 12 free visits to domestic airport lounges in a calendar year.

Travel concierge services: HDFC Bank provides travel concierge assistance service to all its Regalia Credit Card users helping them to customise their travel experience.

Insurance: Cardholders are eligible for air accident death cover of Rs.1 crore, emergency overseas hospitalisation cover of up to Rs.15 lakh, and credit liability cover of up to Rs.9 lakh.

Comprehensive air travel cover: Cardholders are eligible for air accident death cover of Rs.1 crore, emergency overseas hospitalisation cover of Rs.15 lakh and credit liability cover worth Rs.9 lakh.

Airport privileges: Enjoy priority check-in and waitlist clearance, additional baggage allowance and an option to earn 9 Club Vistara points on every Rs.100 spent on the card.

Fuel Benefits

  1. Get flat 25% off at over 2,000 partner restaurants
  2. Get a 1+1 on buffet at more than 200 restaurants
  3. You get an additional 5% off and Zero convenience fee.
  4. You get early access to festivals and events like Gourmetlicious.

Dining Benefits

Complimentary Zomato Gold membership:

  1. Enjoy Zomato Gold membership for 1 year at no charge with your card. Also, enjoy up to 2 drinks at no extra fee when you dine at participating restaurants.
  2. Note: Zomato Gold membership is valid only for Regalia cards issued after 20 March 2019 and is limited to the primary cardholder.

Renewal benefits

The renewal fee is waived off if you spend over Rs.3 lakh during the previous year.

 

HDFC Regalia Credit Card Limit

The HDFC Regalia Credit Card limit depends on factors like credit score, income, existing debts, and payment history. You can request a limit change through the HDFC net banking portal, but the final decision is at the discretion of HDFC Bank.

 

Fees and Charges of the HDFC Bank Regalia Credit Card

Some of the fees and charges associated with your card can be found below:

Type of Charge Amount (Rs.)
Joining fee Rs.12500/-
Renewal fee Rs.5000/-
Minimum repayment amount 5% or a maximum of Rs.200
Cash withdrawal fee 2.5% of the withdrawn amount (Minimum Rs.500)
Cash advance limit 40% of the credit limit
Rewards redemption fee Rs.99/-
Add-on cards charges NIL
Foreign currency mark-up fee 2%
Late payment charges                                                              Less than equal to Rs.100 - Nil
Rs.101 to Rs.500 - Rs.100
Rs.501 to Rs.1,000 - Rs.500
Rs.1,001 to Rs.5,000 - Rs.600
Rs.5,001 to Rs.10,000 - Rs.750
Rs.10,001 to Rs.25,000 - Rs.900
Rs.25,001 to Rs.50,000 - Rs.1100
More than Rs.50,000 Rs.1300
Over limit charges 2.5% of the over the limit amount (Min. of Rs.550)
Cash processing fee Rs.100 per transaction
Payment returns charges 2% of the payment amount (Minimum of Rs.450)
Card re-issuance charges Rs.100 per instance
Duplicate statement Rs.10

 

HDFC Regalia Credit Card Eligibility Criteria

 

  1. Salaried professionals should be aged 21 years and above but below 60 years. Income should be more than Rs.1 lakh per month.
  2. Self-employed applicants should be aged 21 years and above but below 65 years. Annual income should be more than Rs.12 lakh.
  3. Income proof, address proof and identity proof documents are to be submitted as per the bank's request.

 

Documents Required to Apply for HDFC Bank Regalia Credit Card

  1. Proof of Identity
  2. Driving License
  3. Passport
  4. Aadhaar card
  5. Address Proof
  6. Passport
  7. Ration Card
  8. Voter ID
  9. Aadhaar card
  10. Income Proof
  11. Salary Slip
  12. IT Returns
  13. Form 16

 

Lounge Benefits HDFC Regalia Credit Card

  1. Effective from 1 December 2023, changes have been made to the Lounge Access Program for the Regalia Credit Card.
  2. Lounge access eligibility is now determined by your credit card spending.
  3. Spending Rs. 1 Lakh or more within a calendar quarter (Jan-Mar), (Apr-June), (Jul-Sept), (Oct-Dec) qualifies you for the program.
  4. Once the spending criteria are met, visit the Regalia SmartBuy page, navigate to Lounge Benefits, and claim your lounge access voucher.
  5. Each quarter, cardholders can receive up to 2 complimentary lounge access vouchers as part of the milestone benefit.

 

How to Apply for HDFC Bank Regalia Credit Card Online?

  1. Visit the HDFC Bank website and choose the 'Regalia' card.
  2. Click on the 'Apply Online' button.
  3. You will be redirected to an online form. Fill in the required details such as name, mobile number, e-mail ID, company name, monthly income, etc.
  4. Click on 'Submit'.
  5. Once HDFC receives your application, you will receive a phone call or SMS on your registered mobile number.

If you're eligible for the card, the application process will be informed to you over the call and the further procedure will follow.

 

FAQ (Frequently Asked Questions)

  1. How do I earn reward points on Regalia Credit Card?
    • You can earn reward points by making transactions using your Regalia Credit Card. Only retail spends are eligible for the reward points. Fuel transactions and EasyEMI transactions are not eligible for reward points. The accrued reward points will have an expiry of 2 years before which they should be redeemed for various gifts available on the rewards catalogue.
  2. Do I earn reward points for international flight bookings made using Regalia Credit Card?
    • Yes, you earn reward points for all domestic and international airlines bookings.
  3. Can I recharge my mobile on the Regalia online platform?
    • Yes, you can access the HDFC Regalia online portal and recharge your prepaid mobile phone.
  4. How can I make payments for the HDFC Regalia card?
    • You can make payments for your credit card through multiple payment options like auto pay, funds transfer, Net Banking, mobile banking, etc.
  5. I misplaced my Regalia credit card. What do I do?
    • If you have misplaced/lost your card, simply call the HDFC Credit Card Customer Care division and notify them of the same. Your card will be blocked instantly. Alternatively, you can report a lost/stolen card through your Net Banking account.
  6. What is the credit limit of HDFC Bank Regalia credit card?
    • The bank decides the card limit based on your credit score and credit history, among other things.
  7. When will my HDFC Bank Regalia credit points expire?
    • Your HFC Bank Regalia credit points will expire after 2 years of accumulation.
  8. How many reward points will I earn if I spend Rs.300 with my HDFC Bank Regalia credit card?
    • You will earn 8 reward points if you spend Rs.300 with your HDFC Bank Regalia credit card.