HDFC Regalia Credit Card

  • HDFC Regalia Credit Card caters to travel and lifestyle expenditure with its luxury rewards
  • It provides the chance to earn 10,000 Reward Points on annual spends of Rs 5 lacs

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.

Key Highlights

HDFC Regalia Credit Card

HDFC Regalia Credit Card.jpg

Image Source: HDFC Official Website

Suitability

Travel and Lifestyle

HDFC Regalia Credit Card Offers

  • Welcome Benefit of 2,500 Reward Points
  • Renewal benefit of 2,500 Reward Points

HDFC Regalia Credit Card Limit of Salary

Salaried: Rs 1,00,000 per month

Self-employed: ITR > Rs. 12 lakh p.a.

HDFC Regalia Credit Card Renewal Fee

Rs 2500 (waived off on spends of Rs 3,00,000 in the last year) 

Features and Benefits of HDFC Regalia Credit Card

The HDFC Bank Regalia Credit Card is known as one of the bank's top offers, and as such, it comes with various exclusive benefits in a variety of areas, including travel, reward programs, movie and eating, and many more. Continue reading the details below to fully comprehend all of its features:

Lounge Access

12 complimentary lounge access per calendar year within India (at domestic and international terminals)

Priority Pass Membership and International Lounge Access

  • You will receive a complimentary Priority Pass membership as well as 6 gratis lounge visits outside of India. Following the complimentary visits, all subsequent trips will be charged US $27 per person for each visit.

  • You can apply for priority pass membership for yourself and additional members after completing a minimum of four retail transactions with your premium Regalia credit card.

Milestone Rewards

  • Under the card's milestone spend incentives, spending above Rs. 5 lakhs in the anniversary year earns you 10,000 HDFC Regalia credit card points.

  • An additional 5,000 Reward Points will be awarded for spending more than Rs. 8 lakhs during the anniversary year.

Dining Rewards

Earn up to 20% savings on all your restaurant bill payments via the Swiggy Dineout

Fuel Waiver

Aside from the reward points and lounge access privileges, the Regalia HDFC card also includes a fuel surcharge waiver. On all transactions between Rs. 400 and Rs. 5,000 made with the HDFC Regalia Card, a 1% fuel levy is waived at all petrol stations in India.

Zero Liability Protection

Regalia HDFC Card comes with zero liability protection against a lost/stolen card, which means you are not liable for any fraudulent transactions done on a lost card if you notify the loss bank promptly.

Card Reward Points

  • Every Rs. 150 spent in retail earns you 4 Reward Points. Fuel, EasyEMI, and wallet transactions will not earn you any reward points.
  • Earn accelerated RPs on SmartBuy platform travel and shopping spends (10x RPs for hotel/bus ticket bookings, 5x points on Amazon shopping, flight booking through EaseMyTrip, Cleartrip, Redbus, and Apple Imagine, and 3x points on Flipkart and Rail Tickets).
  • The maximum number of monthly accelerated reward points you can receive with Regalia is 4,000.
  • Insurance transactions are limited to 2000 per day.
  • The reward points expire two years after they are accumulated.

Annual Fee and Charges of HDFC Regalia Credit Card

The following are some of the fees and charges associated with your card:

Charges

Amount

Joining Fee

Rs 2,500

Renewal Charges

Rs 2,500

HDFC Regalia Credit Card Limits Advance Charges

40% of the credit limit

Foreign Currency Fee

2%

Over Limit Charges

2.5% of the over-the-limit amount (Min. of Rs 550)

Cash Processing Charges

Rs 100 per transaction

Payment Return Charges

2% (Minimum of Rs 450)

Duplicate Statement Charges

Rs 10

Late Payment Fee Applicable on Regalia Credit Card

Outstanding Balance

Late Payment Charges (Excl. GST)

Less than Rs 100

Nil

Rs 100 to Rs 500

Rs 100

Rs 501 to Rs 5,000

Rs 500

Rs 5,001 to Rs 10,000

Rs 600

Rs 10,001 to Rs 25,000

Rs 800

Rs 25,001 to Rs 50,000

Rs 1100

More than Rs 50,000

Rs 1300

Eligibility Criteria Applicable

It is critical to review the eligibility criteria for any card before applying so that your application is not rejected. The Regalia Credit Card should be treated similarly. The age and income qualifying criteria for applying for the HDFC Bank Regalia card are listed in the table below:

Particulars

Age

Income

Salaried

21 Years - 60 Years

Rs 1 Lac per month

Self-employed

21 Years - 65 Years

Rs 12 Lacs per annum

Aside from that, the bank may have some internal eligibility criteria that it would evaluate when approving or denying your Regalia credit card application. For example, meeting merely the age and income requirements will not suffice; you must also have a strong credit history.

Documents Required to Apply for HDFC Regalia Credit Card

The following documents will be needed in order to apply-

  • Aadhar Card, Voters Id, Driving License, Passport, PAN Card, and other forms of identification are acceptable.
  • Ration card, Aadhar card, utility bills, passport, driving license, and so forth.
  • Income proof consists of the most recent salary slips, bank statements, ITRs, pension books, and so on.

How to Apply

You can apply for the Regalia Credit Card both online and offline, depending on your preference. If you prefer to apply offline, simply bring all essential documents to your nearest branch and fill out a physical application form for a card. However, if you prefer online means, you can do so by following the steps outlined below:

Step 1: Visit the official website of HDFC Bank.

Step 2: Click on the 'Credit Cards' option under the 'Borrow' column.

Step 3: You will be taken to a page that categorizes all HDFC credit cards based on their features.

Step 4: The HDFC Regalia Credit Card can be found under the category 'Lifestyle.'

Step 5: Select 'Apply Now.'

Step 6: To begin using the app, enter your cell phone number and captcha.

Step 7: To finish the process, enter all of the essential information and upload the required documents.

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Similar Credit Cards

If you want to look into other cards that have advantages comparable to HDFC Regalia, here are a couple to consider:

Card Name

Characteristics

IndusInd Bank Legend Credit Card

Every Rs. 100 spent on weekends earns you two reward points.

SBI Card ELITE

5X points for restaurants, department shopping, and grocery purchases.

Axis Bank Privilege Credit Card

This credit card earns 10 points for every Rs. 200 spent.

ICICI Bank Sapphiro Credit Card

For every Rs. 100 spent, you can earn up to 4 PAYBACK points.

Axis Bank Select Credit Card

Every Rs. 200 spent earns you 10 Axis EDGE reward points.

Other HDFC Bank Credit Cards

HDFC Regalia Credit Card

IndianOil HDFC Bank Credit Card

HDFC Millennia Credit Card

HDFC MoneyBack Plus Credit Card

HDFC MoneyBack Credit Card

HDFC INFINIA Metal Edition Credit Card

HDFC Freedom Credit Card

HDFC Diners Club Black Credit Card

6E Rewards - IndiGo HDFC Bank Credit Card

HDFC Business MoneyBack Credit Card

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