HDFC Bank Regalia Gold Credit Card, Rewards and Benefits, Joining Fees & Charges, Apply Online

HDFC Bank Regalia Gold Credit Card

The Regalia credit card range from HDFC Bank is highly esteemed for its top-notch travel and lifestyle privileges. Recently, HDFC Bank launched the HDFC Bank Regalia Gold Credit Card, which offers exclusive rewards and offers, allowing cardholders to travel luxuriously and shop stylishly.

The Regalia Gold card has an annual fee of Rs. 2500. It offers a complimentary MMT Black Elite and Club Vistara Silver Tier membership upon spending over Rs. 1 Lakh within 90 days of card issuance. Cardholders earn 4 Reward Points on every retail spend of Rs. 150 and accelerated 5x Reward Points on every Rs. 150 spent in-store and online at Nykaa, Reliance Digital, Myntra, and Marks & Spencer.

Earned reward points can be redeemed through Netbanking or Smartbuy for flight/hotel bookings, transferred to Airmiles, used for products, vouchers from the Exclusive Gold Catalogue, or even for cashback. Additionally, the Regalia Gold card offers premium travel and insurance benefits to cardholders. For more details on this premium lifestyle card from HDFC Bank, continue reading our HDFC Bank Regalia Gold credit card review.

Rewards and Benefits

Enjoy a 20% discount on Swiggy Dineout with the HDFC Bank Regalia Gold credit card. Earn 4 Reward Points for every spend of Rs. 150 on retail, including utilities, insurance, and education. Additionally, earn 20 Reward Points for every spend of Rs. 150 on Myntra, Marks and Spencers, Nykaa, and Reliance Digital. Redeem your Reward Points for flight/hotel bookings, convert them into air miles, or redeem them for products and gift vouchers. The card also offers travel benefits such as complimentary flight tickets on reaching spending milestones, domestic and international lounge access, and insurance benefits including accidental air death cover, emergency overseas hospitalization cover, and credit liability cover. Plus, enjoy zero liability protection against fraudulent transactions.

Fees & Charges

1. Spend Based Waiver
   Renewal Fee Waiver on Spending Rs. 4 Lakh in a Year
2. Rewards Redemption Fee
   Rs. 99
3. Foreign Currency Markup
   2% on all forex transactions
4. Interest Rates
   3.6%
5. Fuel Surcharge
   N/A
6. Cash Advance Charges
   2.5% of total amount or Rs. 500, the higher one
7. Add-on Card Fee
   Nil

Product Details

• Complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over ₹1 lakh within 90 days of getting the card issued.
• ₹1500 worth of vouchers from any one of M&S, Myntra, Reliance Digital, or Marriott on spending Rs. 1.5 Lakhs each quarter
• ₹5,000 worth of complimentary flight vouchers on spending Rs. 7.5 Lakhs in the card anniversary year
• 4 Reward Points on every retail spend of Rs. 150 and 5X accelerated Reward Points on every Rs. 150 spent on purchases at M&S, Nykaa, Myntra, and Reliance Digital
• 12 complimentary lounge access in India at both international and domestic terminals every year
• 6 complimentary lounge access outside India through the Priority Pass
• Air death cover up to Rs. 1 Crore and Rs. 9 Lakh lost card liability cover
• Renewal fee waiver on spending Rs. 4 Lakhs in the card anniversary year
• Low foreign currency markup fee of 2%.

Pros/Cons

Pros
– Access to 24/7 concierge service.
– Complimentary lounge access with 12 visits in India and 6 visits internationally.
Cons
– Reward redemption fee of ₹99.
– High renewal fee waiver threshold of ₹4 lakhs.

HDFC Bank Regalia Gold Credit Card – Features & Benefits

The HDFC Bank Regalia Gold Credit Card offers a host of exclusive travel and shopping benefits. It features a generous reward rate on retail spending and accelerated points on partner brands. Here’s a detailed look at its features and benefits:

Welcome Benefits:

• Upon payment of the joining fees, you receive a gift voucher worth ₹2500.
• You also get a complimentary MMT Black Elite and Club Vistara Silver Tier membership by spending over ₹1 Lakh within 90 days of card issuance. These benefits must be claimed within 60 days from the benefit end date, and the memberships are valid for 1 year.

Club Vistara Silver Tier Membership:

• Includes benefits like a complimentary class upgrade voucher, added check-in baggage allowance, priority check-in, and 9 CV Points on every Rs. 100 spent.

MMT Black Elite Membership:

• Offers 10% extra discount on selected hotels, early check-ins, free room upgrades, and discounts on beverages and food at specific hotels.

Milestone Benefits:

• You receive complimentary flight tickets and gift vouchers for achieving annual and quarterly spend-based milestones.
• On spending Rs. 1.5 Lakhs in a calendar quarter, you get Rs. 1500 worth of vouchers from M&S, Myntra, Marriott, and Reliance Digital. You can redeem just 1 voucher from any merchant per quarter.
• On spending Rs. 5 Lakhs, you shall get Rs. 5,000 worth of flight vouchers.
• On spending Rs. 7.5 Lakhs in the card anniversary year, you receive additional flight vouchers for Rs. 5000.

Domestic Lounge Access:

• Enjoy 12 complimentary domestic lounge access at Indian airports every year for both international and domestic terminals.

International Lounge Access:

• Get 6 complimentary international lounge access every year through the Priority Pass for both primary and add-on cardholders.

Airport Pick and Drop:

• Available only if you book flight tickets through the Regalia Gold Unified Smartbuy portal.

Annual Spend-Based Waiver:

• The card renewal fee is waived on spending Rs. 4 Lakhs in the card anniversary year.

Insurance Benefits:

• Accidental air death cover up to Rs. 1 Crore
• Emergency hospitalization covers up to Rs. 15 Lakhs
• Credit liability cover worth Rs. 9 Lakhs

HDFC Bank Regalia Gold Credit Card Reward Structure

• Get 4 Reward Points on every spend of Rs. 150 on retail, including utilities, insurance, and education.
• Get 20 Reward Points on every spend of Rs. 150 on Myntra, Marks and Spencers, Nykaa, and Reliance Digital.

The HDFC Bank Regalia Gold Credit Card offers a rewarding points system on various types of purchases, along with flexible redemption options. Here’s a detailed look at its rewards program and eligibility criteria:

Reward Points Earned:

• Earn 4 Reward Points (RPs) on every spend of Rs. 150 on retail, including utilities, insurance, and education.
• There’s a maximum cap of 2000 RPs per month on grocery transactions and 2000 RPs per day on insurance transactions.
• Earn 20 RPs on every spend of Rs. 150 on Myntra, Marks and Spencers, Nykaa, and Reliance Digital, with a maximum cap of 5000 RPs across all brands.

Reward Points Redemption:

• Redeem RPs for flight/hotel bookings via the Smartbuy portal at the rate of 1 RP = Rs. 0.50.
• Convert RPs into Airmiles through Netbanking at the rate of 1 RP = 0.50 Airmiles.
• Redeem RPs for products and gift vouchers on the Smartbuy portal at the rate of 1 RP = Rs. 0.35.
• Redeem RPs against the Exclusive Gold Catalogue on Smartbuy at the rate of 1 RP = Rs. 0.65.
• Redeem RPs as cashback against your card statement balance at the rate of 1 RP = Rs. 0.20. There is a maximum cap of 50,000 RPs per month on cashback redemption.

Eligibility Criteria:

Applicants should meet the age and income requirements set by HDFC Bank.

• Self-Employed- Age 21 to 65 Years
• Salaried- 21 to 60 Years
• Income Minimum Rs. 12 Lakhs per annum Minimum monthly income of Rs. 1 Lakh

Who Should Apply for the Credit Card?

The HDFC Bank Regalia Gold Credit Card is ideal for individuals who are high spenders and use their credit cards frequently for various purchases. This card offers excellent rewards and benefits, especially in the travel and lifestyle categories. If you plan to make significant spends and want to maximize your rewards, this card is a great choice.

HDFC Bank Regalia Gold Credit Card Review

The rewards earned on this card can be redeemed for a variety of options, including products/vouchers, air miles, and exclusive catalog items. The card also offers milestone benefits, such as travel vouchers, which can be very beneficial for frequent travelers. Additionally, the card provides access to domestic and international airport lounges, further enhancing its value for travelers.

Overall, the HDFC Bank Regalia Gold Credit Card is a valuable card for responsible credit card users who want to enjoy premium benefits and rewards. If you meet the eligibility criteria and are looking for a rewarding credit card, the Regalia Gold Credit Card is worth considering.