HDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold Credit Card
Joining Fees
Renewal Fees
Best Suited For
Reward Type
Welcome Benefit
₹ 2,500 + GST
₹ 2,500 + GST
Shopping
Reward Points
1,000 CashPoints.
Rewards and Benefits
Welcome Benefits
Welcome benefit of complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over Rs. 1 Lakh inside 90 days of getting the card issued
Rewards Rate
Get 4 Reward Points on every spend of Rs. 150 on retail including utilities, insurance, and education. Get 20 Reward Points on every spend of Rs. 150 on Myntra, Marks and Spencers, Nykaa, and Reliance Digital
Reward Redemption
Redeem RPs for flight/hotel bookings via the Smartbuy portal at the rate of 1 RP = Rs. 0.50, convert RPs into airmiles through Netbanking at the rate of 1 RP = 0.50 Airmiles, Redeem RPs for products and gift vouchers on the Smartbuy portal at the rate of 1 RP = Rs. 0.35, and Redeem RPs against the Exclusive Gold Catalogue on Smartbuy at the rate of 1 RP = Rs. 0.65
Zero Liability Protection
Cardholder will not be liable for fraudulent transactions made with the credit card if he reports about the loss in a timely manner
Movie & Dining
20% Discount via Swiggy Dineout
Travel
Complimentary Flight Tickets on Reaching Spend Milestones
Fuel
NA
Domestic Lounge Access
3 Complimentary Domestic Airport Lounge Access Every Quarter (12 Each Year)
International Lounge Access
6 complimentary international lounge access
Insurance Benefits
Accidental air death cover up to ₹1 crore, emergency overseas hospitalisation cover worth ₹15 lakhs, credit liability cover up to ₹ 9 lakhs
Fees & Charges
Joining Fees
₹ 2,500 + GST
Annual Fees
₹ 2,500 + GST
Spend Based Waiver
Renewal Fee Waiver on Spending Rs. 4 Lakh in a Year
Rewards Redemption Fee
Rs. 99
Foreign Currency Markup
2% on all forex transactions
Interest Rates
3.6%
Fuel Surcharge
NA
Cash Advance Charges
2.5% of total amount or Rs. 500, the higher one
Add-on Card Fee
NA
Product Details
- Complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over ₹1 lakh within 90 days of getting the card issued.
- 1500 worth of vouchers from any one of M&S, Myntra, Reliance Digital, or Marriott on spending Rs. 1.5 Lakhs each quarter
- 5,000 worth of complimentary flight vouchers on spending Rs. 7.5 Lakhs in the card anniversary year
- 4 Reward Points on every retail spend of Rs. 150 and 5X accelerated Reward Points on every Rs. 150 spent on purchases at M&S, Nykaa, Myntra, and Reliance Digital
- 12 complimentary lounge access in India at both international and domestic terminals every year
- 6 complimentary lounge access outside India through the Priority Pass
- Air death cover up to Rs. 1 Crore and Rs. 9 Lakh lost card liability cover
- Renewal fee waiver on spending Rs. 4 Lakhs in the card anniversary year
- Low foreign currency markup fee of 2%
Pros or Cons
Pros
- Enjoy the exclusive 24/7 concierge service that comes with the Regalia Gold Credit Card.
- You can enjoy access to both domestic and international lounges, with 12 and 6 visits per year, respectively.
Cons
- A fee of ₹99 is applicable for reward redemption.
- Card renewal fee waiver is at a high cost of ₹4 lakhs.
Cashback
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Charges
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Advantage
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Drawbacks
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How to Apply
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Eligibility Criteria
- Age of 18 and 70 years.
- Resident of India or a Non-Resident Indian
Document Required
- Color photograph
- Identity Proof (Aadhaar Card / Driving License / Passport)
- PAN Card
- Residence Proof (Ration Card / Electricity Bill / Telephone Bill / Passport)
- Proof of income (latest Pay Slip / Form 16 / IT return Copy)
Card Limit
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Application Status
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Card Login
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Card Pin Generation
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Card Review
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FAQ
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