The HDFC Regalia Credit Card is an all-purpose premium credit card that provides perks in a variety of areas such as travel, shopping, eating, and more. This credit card is ideal for those who wish to take advantage of lavish features such as lounge access, Priority Pass membership, and more. It gives you good value back on all your purchases in the form of reward points. Here is an in-depth look at the HDFC Regalia Credit Card.
All you need to know about HDFC credit card bill payment
HDFC Regalia Credit Card: Features
- In an anniversary year, spend Rs. 5 lakh or more to receive 10,000 reward points.
- Every time you eat out, you can get a discount of up to 15% off the price.
- Use your Regalia card to earn points more quickly.
- Redeem your accumulated points for enticing presents and benefits only available to Regalia cardholders.
- Enjoy an interest-free period of up to 50 days.
- When you use your card abroad, you’ll pay a minimal 2 per cent foreign currency markup fee.
HDFC Regalia Credit Card: Benefits
The HDFC Regalia Credit Card offers savings in a variety of areas, including retail, travel, and fuel. This credit card offers basic benefits in addition to premium benefits such as fuel surcharge waiver, insurance coverage, concierge service, and more. The following are some of the most important features and benefits of this credit card:
Reward points up to Rs. 10,000
When you reach the spending threshold with the HDFC Regalia Credit Card, you can earn up to 10,000 extra reward points. The following information about reward points is provided:
- 4 points every Rs. 150 spent on all retail purchases, including insurance, utilities, education, and rent.
- Spending Rs. 5 lakh in the anniversary year earns you 10,000 bonus reward points.
- Extra 5,000 bonus reward points when you spend Rs. 8 lakh during the anniversary year.
Complimentary lounge access
This credit card grants you access to both foreign and domestic lounges. Here are some further details:
- 12 complimentary visits to airport lounges within India every calendar year, at both local and international terminals (6 each)
- Outside India, a complimentary Priority Pass membership with six gratis lounge visits per calendar year is provided.
- Priority Pass membership allows for one additional member.
*Priority Pass membership is available to cardholders who have completed at least four retail purchases.*
Other benefits
In addition to rewards and travel incentives, this credit card includes a fuel surcharge waiver, insurance coverage, a reduced foreign currency markup cost, and other perks. The following information is provided:
- Fuel fee waiver: A 1% fuel surcharge waiver is available at all fuel stations across India for transactions ranging from Rs. 400 to Rs. 5,000.
- Low foreign currency markup cost: Your transactions will incur a 2% foreign currency markup fee.
- Insurance advantages: According to the information below, you can obtain insurance coverage for Rs. 1 crore:
- 1 crore in air accident death cover
- Rs. 15 lakh in emergency foreign hospitalisation coverage
- Credit liability coverage in the amount of Rs. 9 lakh
- Concierge Services: Concierge services are available 24 hours a day, seven days a week for a more convenient travel experience.
Read about : HDFC net banking
HDFC Regalia Credit Card: Eligibility criteria
| Criteria | Details |
| Occupation | Salaried or self-employed |
| Minimum income for salaried applicants | Rs. 1 lakh p.m. |
| Minimum income for self-employed applicants | ITR > Rs. 12 lakh p.a. |
See also: Know all about IFSC code of HDFC bank
Should you get an HDFC Regalia Credit Card?
The HDFC Regalia Credit Card is among the most popular premium credit cards on the market. It is an all-purpose credit card that allows you to save money on various purchases, including travel, shopping, dining, and more. If you spend a lot on credit cards, this card may be suitable because you can earn many reward points. Furthermore, you can benefit from this credit card if you are a regular traveller. With this credit card, you can get free annual international and domestic lounge access. Overall, this is an excellent choice if you want premium services and are willing to spend a hefty annual charge.
Steps to apply for HDFC Regalia Card online
Use the steps below to apply for an HDFC Regalia credit card online:
- Select the “Regalia” card from the HDFC Bank website.
- To apply online, click the button.
- You will be taken to an online form after that. Include all necessary information, like name, phone number, email address, company name, monthly income, etc.
- Then click “Submit.”
- Your registered cellphone number will ring or send you an SMS after HDFC has received your application.
- If you are qualified for the card, you will be informed of the application process over the phone, and the next steps will be taken.
Limit for HDFC Regalia Credit Card
The bank decides the card limit based on your credit score and credit history, among other things.
Benefits of HDFC Regalia reward points
- You will receive four reward points for every Rs. 150 you charge on your card.
- Spend Rs. 5 lakhs in a year and earn 10,000 reward points.
- Earn an additional 5,000 reward points for every Rs. 8 lakh you spend each year.
Redemption of HDFC Regalia reward points
Rewards points accumulated on your Regalia card expire after two years. You can use your current points by performing the actions listed below:
- Visit the specific HDFC Regalia portal (www.hdfcregalia.com) and select a redemption option from the list.
- On the HDFC Bank website or through NetBanking, you can also select from the alternatives provided under the ‘SmartBuy’ area.
- After choosing the voucher or prize and confirming your decision, the points are used.
Fees and charge of the HDFC Regalia Credit Card
Types of fees and charges |
Amount |
| Renewal fee | Rs. 2,500 |
| 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 | NIL |
| Add-on cards charges | NIL |
| Foreign currency mark-up fee | 2% |
| Late payment charges |
|
| Over limit charges | 2.5% of the over the limit amount (Min. of Rs.550) |
| Cash processing fee | Rs.100 per transaction |
| Payment return charges | 2% of the payment amount (minimum of Rs. 450) |
| Card re-issuance charges | Rs. 100 per instance |
| Duplicate statement | Rs.10 |
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