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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 .

HDFC Regalia Gold Credit Card
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?
  1. Eligibility: You need a good credit score and a minimum annual income of ₹7.5 lakh (₹10 lakh for self-employed).

  2. Apply online: Visit the HDFC Bank website and search for "Regalia Gold Credit Card." Click "Apply Now" and fill out the online application form.

  3. Documents required: PAN card, address proof, income proof, bank statements, etc.

  4. Processing: HDFC will verify your documents and credit score.

  5. 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

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

Fees & Charges
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