HDFC Regalia Gold Credit Card

औसत रेटिंग है 3 5 में से

MyRupaya Ratings

उत्पाद विवरण

क्रेडिट कार्ड का नाम

Bank Name :

HDFC Bank

प्रकार

Rewards Credit Card

ब्याज दर

3.6% per month (i.e., 43.2% per annum)

पात्रता

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 .

पेशेवरों

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.

दोष

Low general cashback rate.
No free movie tickets.

पक्ष विपक्ष

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.

पुरस्कार प्रणाली

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%

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

2%

स्वागत लाभ और पुरस्कार प्रणाली

विशेष लक्षण

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 .

फ़ायदे

Great travel benefits.
Cashback on retail spends.
Good value-added services such as 24x7 concierge.

विशेष विशेषता, पात्रता और लाभ

क्रेडिट कार्ड के लिए आवेदन कैसे करें?

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.

सम्पर्क करने का विवरण

1800 202 6161 / 1860 267 6161

खाता खोलने की प्रक्रिया और प्रक्रिया

विशेष विशेषता, पात्रता और लाभ

Pros:-

Change the text to include your own content. Adjust the font, size or scale to customize the style.

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

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

उत्पाद समीक्षा

फीस एवं प्रभार

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