Welcome Benefits: Users will get freeClub Vistara Silver Tier membershipand MMT Black membership if the user spends Rs Rs 1 Lakhs or above within 90 days of purchasing this card.
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HDFC Regalia Gold Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Users will get freeClub Vistara Silver Tier membershipand MMT Black membership if the user spends Rs Rs 1 Lakhs or above within 90 days of purchasing this card.
Milestone Benefits
Milestone Benefits: Rs 1,500 worth of vouchers from Marriott, Myntra, Marks & Spencer, or Reliance Digital on spending Rs . Rs 1.5 Lakhs in a quarter, get Rs 5,000 worth of airline vouchers on spending Rs Rs 5 Lakhs each year. Additional Rs 5,000 airline vouchers on spending Rs Rs 7.5 Lakhs in any year.
Cashback Rate
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%
Movie Benefits
None.
Dining Benefits
7.5% off on all restaurant bill payments through Swiggy Dineout (20k+ restaurants).Up to ₹10,000 worth of flight vouchers with annual spending.
Other Benefits
Good value-added services such as 24x7 concierge. Lower forex markup of 2%.; 24/7 Concierge services call at toll-free on 1860 425 1188 (India). Annual fee waiver on spending INR 4 Lakhs in any year.; Free accidental air death cover worth Rs 1 Crore.; Free emergency overseas hospitalization cover: up to INR 15 Lakhs.
Lounge Access
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.
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Users will get freeClub Vistara Silver Tier membershipand MMT Black membership if the user spends Rs Rs 1 Lakhs or above within 90 days of purchasing this card.
Milestone Benefits
Milestone Benefits: Rs 1,500 worth of vouchers from Marriott, Myntra, Marks & Spencer, or Reliance Digital on spending Rs . Rs 1.5 Lakhs in a quarter, get Rs 5,000 worth of airline vouchers on spending Rs Rs 5 Lakhs each year. Additional Rs 5,000 airline vouchers on spending Rs Rs 7.5 Lakhs in any year.
Cashback Rate
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%
Movie Benefits
None.
Dining Benefits
7.5% off on all restaurant bill payments through Swiggy Dineout (20k+ restaurants).Up to ₹10,000 worth of flight vouchers with annual spending.
Other Benefits
Good value-added services such as 24x7 concierge. Lower forex markup of 2%.; 24/7 Concierge services call at toll-free on 1860 425 1188 (India). Annual fee waiver on spending INR 4 Lakhs in any year.; Free accidental air death cover worth Rs 1 Crore.; Free emergency overseas hospitalization cover: up to INR 15 Lakhs.
Lounge Access
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.
Fees & Charges of
HDFC Regalia Gold Credit Card
Joining Fee
Rs 2500 plus taxes
Annual Fee
Rs 2500 plus taxes
Cash Advance Fee
2.5% or ₹500 whichever is higher.
Interest rate
Interest Rate: 3.6% per month (i.e., 43.2% per annum).
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
2%
Other Fees
Joining/ Renewal Membership Fee of INR 2500 + taxes. | Cash Advance Charges: 2.5% or ₹500 whichever is higher. | Foreign Exchange Markup Fees: 2% | Reward Redemption Fee: INR 99
Joining Fee
Rs 2500 plus taxes
Annual Fee
Rs 2500 plus taxes
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.6% per month (i.e., 43.2% per annum).
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
2%
Other Fees
Joining/ Renewal Membership Fee of INR 2500 + taxes. | Cash Advance Charges: 2.5% or ₹500 whichever is higher. | Foreign Exchange Markup Fees: 2% | Reward Redemption Fee: INR 99
Fee and Charges of
HDFC Regalia Gold Credit Card
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 .
Speical Feature, Eligibility and Benefits of
HDFC Regalia Gold Credit Card
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 of
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.
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