HDFC Regalia Gold Credit Card
Card Details
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
Cons
Low general cashback rate.
No free movie tickets.
Welcome Benefits: Users will get free Club Vistara Silver Tier membership and MMT Black membership if the user spends 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 forex markup 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.
7.5% off on all restaurant bill payments through Swiggy Dineout (20k+ restaurants).
Up to ₹10,000 worth of flight vouchers with annual spending.Milestone Benefits: 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. 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.
Rewards & Benifits
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
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
Recommended Credit Cards
Pros:-
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Cons:-
Welcome Benefits: Users will get free Club Vistara Silver Tier membership and MMT Black membership if the user spends 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 forex markup 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.
7.5% off on all restaurant bill payments through Swiggy Dineout (20k+ restaurants).
Up to ₹10,000 worth of flight vouchers with annual spending.Milestone Benefits: 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. 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.
Low general cashback rate.
No free movie tickets.
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.
HDFC Regalia Gold Credit Card
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 + 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