HDFC Regalia Gold Credit Card
Product Details
Credit Card Name :
HDFC Regalia Gold Credit Card
Bank Name :
HDFC Bank
Type :
Rewards Credit Card
Interest Rate :
3.6% per month (i.e., 43.2% per annum)
Eligibility :
You must be an Indian citizen.
You must be 21-60 years of age if you are salaried, and 21-65 years of age if you are self-employed.
Your net monthly income must be greater than Rs. 1,00,000 if you are salaried, and your ITR must be greater than Rs. 12 lakhs per annum if you are self-employed .
Pros
Welcome Benefits: Free Club Vistara Silver Tier membership and MMT Black membership if you spend INR 1 lakh or above within 90 days of purchasing this card.
Reward System: 4 reward points per INR 150 spent on retail purchases. Value of 1 reward point = INR 0.25. Cashback rate = 0.67%. 5X reward points on select merchants like Myntra, Nykaa, Reliance Digital, and M&S. Effective special cashback rate: 3.33%
Lower foex markeup of 2%.
24/7 Concierge services call at toll-free on 1860 425 1188 (India) / Email ID: regaliagold.support@smartbuyoffers.co.
12 free lounge access within India (both at domestic and international terminals).
Free membership to Priority Pass, you and your add-on member can together avail up to 6 free lounge access per calendar year, outside India.
Get 7.5% off on all your restaurant bill payments through Swiggy Dineout (20k+ restaurants).
Up to ₹10,000 worth of flight vouchers with annual spending.Milestone Benefits: Get INR 1,500 worth of vouchers from Marriott, Myntra, Marks & Spencer, or Reliance Digital on spending INR. 1.5 Lakh in a quarter, get INR 5,000 worth of airline vouchers on spending INR 5 Lakh each year. Get an additional INR 5,000 airline vouchers on spending INR 7.5 Lakhs in any year.
Annual fee waiver on spending INR 4 Lakhs in any year.
Free accidental air death cover worth INR 1 Crore.
Free emergency overseas hospitalization cover: up to INR 15 lakhs.
Cons
Low general cashback rate.
No free movie tickets.
Pros & Cons
Welcome Benefits
Welcome Benefits: Free Club Vistara Silver Tier membership and MMT Black membership if you spend INR 1 lakh or above within 90 days of purchasing this card.
Rewards System
Reward System: 4 reward points per INR 150 spent on retail purchases. Value of 1 reward point = INR 0.25. Cashback rate = 0.67%. 5X reward points on select merchants like Myntra, Nykaa, Reliance Digital, and M&S. Effective special cashback rate: 3.33%
International Forex Markup
2%
Welcome Benefits and Reward System
Special Features
Free Club Vistara Silver Tier membership and MMT Black membership if you spend INR 1 lakh or above within 90 days of purchasing this card.
Eligibility Criteria
You must be an Indian citizen.
You must be 21-60 years of age if you are salaried, and 21-65 years of age if you are self-employed.
Your net monthly income must be greater than Rs. 1,00,000 if you are salaried, and your ITR must be greater than Rs. 12 lakhs per annum if you are self-employed .
Benefits
Great travel benefits.
Cashback on retail spends.
Good value-added services such as 24x7 concierge.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Eligibility: You need a good credit score and a minimum annual income of ₹7.5 lakh (₹10 lakh for self-employed).
Apply online: Visit the HDFC Bank website and search for "Regalia Gold Credit Card." Click "Apply Now" and fill out the online application form.
Documents required: PAN card, address proof, income proof, bank statements, etc.
Processing: HDFC will verify your documents and credit score.
Approval: Upon approval, you'll receive the card within 7-10 business days.
Contact Details
1800 202 6161 / 1860 267 6161
Account Opening and Procedure
HDFC Regalia Gold Credit Card
Overall, the HDFC Regalia Gold Credit Card is a good option for frequent travelers who spend a lot on retail purchases. However, the high annual fee means that it is not a affordable for everyone.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining/ Renewal Membership Fee of INR 2500 + Applicable Taxes.
Interest Rate: 3.6% per month (i.e., 43.2% per annum).
Cash Advance Charges: 2.5% or ₹500 whichever is higher
Late Payment Charges: Ranges from INR 100 to INR 1300
Foreign Exchange Markup Fees: 2%
Reward Redemption Fee: INR 99
Fuel Surcharge
1% surcharge, waived on all fuel transactions between INR 400 and INR 4000.
Billing Cycle
30 Days