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

HDFC Bank Regalia Credit Card: A Credit Card that offers a blend of travel perks and lifestyle benefits? Look no further than the HDFC Bank Regalia credit card. Packed with an array of rewards tailored for globetrotters and luxury seekers, this card is designed to elevate your experiences while offering value for money.

For an annual fee of Rs 2,500, the HDFC Bank Regalia credit card welcomes you with a generous bonus of 2,500 Reward Points, setting the stage for a rewarding journey ahead. Renowned for its versatility, this card extends its advantages across multiple categories including lifestyle, travel, and dining, making it a preferred choice among HDFC’s credit card offerings.

True to its promise of luxury and travel perks, the HDFC Regalia Card grants you complimentary access to airport lounges both within India and abroad, ensuring a seamless and comfortable travel experience. Every transaction with the card earns you 4 Reward Points for every Rs. 150 spent, which can be redeemed across a diverse range of categories at a value of up to Re. 0.5 per point, adding significant value to your spends.

One of the standout features of the HDFC Regalia credit card is its minimal foreign currency markup, making it an ideal companion for international transactions. Whether you’re shopping abroad or booking flights and accommodations, rest assured that you’ll enjoy competitive exchange rates and save on unnecessary fees.

In addition to its travel benefits, the HDFC Regalia card offers an enticing array of dining privileges, round-the-clock concierge services, and much more, ensuring that every aspect of your lifestyle is catered to with utmost convenience and luxury.

For a comprehensive understanding of the HDFC Regalia credit card and its myriad benefits, delve into its detailed review below and embark on a journey of unparalleled rewards and experiences.

Fees	Joining Fee-  Rs.  2,500 + GST Renewal Fee- Rs.  2,500 + GST
Best Suited For	Shopping
Reward Type	Reward Points
Welcome Benefits	2,500 bonus Reward points

Rewards and Benefits

Indulge in a cinematic and culinary extravaganza with the HDFC Bank Regalia credit card, offering a delightful blend of movie and dining benefits alongside a plethora of rewards tailored for the discerning traveler and lifestyle enthusiast.

• Movie & Dining- Unlock up to 20% off at partner restaurants through Swiggy Dineout, exclusively available when making payments via the Swiggy application. Whether it’s a cozy dinner for two or a gastronomic adventure with friends, savor the savings while relishing delectable meals at your favorite dining hotspots.
• Rewards Rate- Earning rewards has never been more rewarding, with the Regalia card offering 4 reward points for every Rs. 150 spent. These points open up a world of redemption possibilities, allowing you to maximize value according to your preferences and lifestyle.
• Reward Redemption- Redeem your reward points at a rate of 1 RP = Rs. 0.5 for flights and hotel bookings on the HDFC Smartbuy website. Alternatively, opt for vouchers, products, or cashback, with redemption rates of up to Rs. 0.35 per point for vouchers and products, and Rs. 0.20 per point for cashback. Additionally, convert your reward points into air miles at a rate of 1 RP = 0.5 air mile, adding wings to your travel aspirations.
• Domestic Lounge Access- Embark on journeys near and far with peace of mind, courtesy of supplementary domestic and international lounge access, complemented by travel-related insurance benefits. Enjoy 8 complimentary airport lounge visits annually within India, along with 6 international lounge accesses per year outside India through the Priority Pass program.
• Insurance Benefits- For added security and reassurance, the HDFC Regalia card offers insurance cover worth Rs. 1 crore against accidental air death, along with coverage of up to Rs. 15 lakhs for emergency hospitalization during overseas travel.
• Zero Liability Protection- Bid farewell to worries of misuse or loss with zero liability protection, providing cover of up to Rs. 9 lakhs in case of unauthorized transactions or card misplacement.

Experience the epitome of luxury, convenience, and savings with the HDFC Bank Regalia credit card, your gateway to a world of cinematic experiences, culinary delights, and unforgettable adventures.

Fees & Charges

Elevate your credit card experience with the HDFC Bank Regalia credit card, where benefits abound and savings flourish. Discover a world of exclusivity and rewards tailored to suit your lifestyle, accompanied by unparalleled convenience and peace of mind.

• Spend Based Waiver- Enjoy the luxury of having your annual fee waived off from the second year onwards by simply spending more than Rs. 3 lakh in the previous year. This spend-based waiver ensures that you continue to enjoy the perks of your card without any additional financial burden.
• Rewards Redemption Fee- Unlock the power of rewards redemption with ease, with a nominal fee of Rs. 99 (plus applicable taxes) for redemption transactions. Whether you’re redeeming your points for flights, hotel bookings, vouchers, or cashback, rest assured that the process is seamless and hassle-free.
• Foreign Currency Markup- Experience the world without borders with the HDFC Regalia card’s competitive foreign currency markup of just 2% on all foreign currency transactions. Whether you’re shopping abroad or booking international accommodations, enjoy favorable exchange rates and savings at every turn.
• Interest Rates- Benefit from attractive interest rates of 3.6% per month or 43.2% annually, ensuring that your finances remain manageable and affordable. Whether you’re making purchases or availing cash advances, rest assured that your card offers flexibility without compromising on value.
• Fuel Surcharge- Say goodbye to fuel surcharges with a 1% fuel surcharge waiver at all fuel stations in India on transactions ranging from Rs. 400 to Rs. 5000. Whether you’re commuting to work or embarking on a road trip, enjoy savings on every fuel purchase with your HDFC Regalia card.
• Cash Advance Charges- Access additional funds effortlessly with cash advances, accompanied by nominal charges of 2.5% of the transaction amount or Rs. 500, whichever is higher. Whether it’s for emergencies or unexpected expenses, rest assured that your HDFC Regalia card has you covered.
• Add-on Card Fee- Enjoy the convenience of sharing benefits with your loved ones with a complimentary add-on card, available at no additional cost. Whether it’s for family members or trusted companions, extend the privileges of your HDFC Regalia card and enhance their lifestyle too.

Experience the epitome of luxury, convenience, and savings with the HDFC Bank Regalia credit card, your passport to a world of unmatched benefits and experiences.

Product Details

Step into a world of unparalleled rewards and privileges with the HDFC Bank Regalia credit card, where every transaction unlocks a treasure trove of benefits designed to elevate your lifestyle and travel experiences.

• Kickstart your journey with a generous welcome bonus of 2,500 Reward Points, setting the stage for a rewarding relationship with your card. With a rewards rate of 4 Reward Points for every Rs. 150 spent on retail, every purchase brings you closer to exciting rewards and redemption opportunities.
• Reach new heights of rewards with a total of 15,000 bonus Reward Points on reaching a spend milestone of Rs. 8 lakhs in an anniversary year, rewarding your loyalty and spending prowess.
• Indulge your taste buds and save with up to 20% off at partner restaurants through Swiggy Dineout, ensuring delightful dining experiences while enjoying significant savings.
• Experience the epitome of luxury and convenience with a complimentary membership to the prestigious Priority Pass program, granting you access to over a thousand airport lounges worldwide. Enjoy 6 complimentary lounge visits at airports outside India and 12 within India, ensuring comfort and relaxation during your travels.
• Bid farewell to exorbitant fees with low international transaction charges of just 2%, making your global adventures more affordable and rewarding.
• Enjoy the peace of mind knowing that your renewal fee is waived off upon spending over Rs. 3 lakhs in the previous year, ensuring that you continue to enjoy the benefits of your card without any additional financial burden.
• Hit the road with confidence with a 1% fuel surcharge waiver capped at a maximum of Rs. 500 per month, ensuring savings on every fuel purchase.
• Travel with reassurance knowing that you’re covered by travel insurance in the unfortunate event of an air accident, with benefits worth up to Rs. 1 crore, ensuring that you and your loved ones are protected wherever your travels take you.

Experience the ultimate in rewards, convenience, and peace of mind with the HDFC Bank Regalia credit card, your gateway to a world of unforgettable experiences and unmatched privileges.

Pros/Cons

Pros:

• Experience a warm welcome with bonus reward points, adding instant value to your card membership.
• Enjoy a high reward rate, ensuring that every spend brings you closer to exciting rewards and benefits.
• Benefit from a low forex markup fee of just 2%, making international transactions more affordable and convenient.
• Revel in the luxury of supplementary domestic and international lounge access, courtesy of Priority Pass membership, enhancing your travel experiences with comfort and relaxation.

Cons:

• Consider exploring other options such as the Regalia Gold card, which offers similar joining fees but boasts superior benefits and more extensive redemption options.
• Note that several spend categories are excluded from earning reward points, potentially limiting your earning potential.
• Keep in mind that points expire after two years from the accrual date, necessitating timely redemption to avoid losing out on accumulated rewards.

HDFC Regalia Credit Card Features and Benefits

The HDFC Bank Regalia Credit Card stands as a premier offering from HDFC Bank, adorned with an array of exclusive benefits spanning various categories including travel, reward programs, dining, and beyond. Delve deeper into its features to uncover a world of privileges:

Welcoming Rewards:
Upon the successful realization of the joining fee, embrace a generous welcome bonus of 2,500 Reward Points, marking the initiation of your journey with the HDFC Bank Regalia Credit Card.

Milestone Achievements:
As you traverse your financial milestones, reap the rewards with assured benefits. Upon crossing the spending threshold of Rs. 5 lakhs in the anniversary year, indulge in the delight of 10,000 Reward Points. Elevate your achievements further by exceeding Rs. 8 lakhs in spending, unlocking an additional bonus of 5,000 Reward Points.

Domestic Lounge Luxuries:
Experience the epitome of relaxation and comfort with complimentary access to domestic airport lounges. Enjoy this privilege up to 8 times a year, with 2 visits granted every quarter upon reaching a spending threshold of Rs. 1 lakh in the preceding quarter. For additional visits, discretion lies with the lounge and may entail charges.

International Lounge Elegance:
Embark on international journeys in style with a complimentary Priority Pass membership, offering access to over a thousand lounges worldwide. Revel in 6 complimentary lounge visits outside India, with subsequent visits available at a nominal fee of US $27 per person per visit. Initiate your membership after completing a minimum of 4 retail transactions using your premium Regalia credit card, extending the benefits to yourself and add-on members.

Dining Delights:
Savor exquisite dining experiences with the Good Food Trail program. Enjoy up to 20% off at partner restaurants via Swiggy Dineout, exclusively available when payments are made through the Swiggy application. Indulge your palate while enjoying enticing savings on culinary adventures.

Experience the pinnacle of luxury, convenience, and rewards with the HDFC Bank Regalia Credit Card, your gateway to a world of unparalleled experiences and privileges.

Insurance Benefits

Insurance Cover	Cover Amount
Accidental death	Rs. 1 crore
Medical emergency cover	Rs. 15 lakhs
Lost Card Liability Cover	Rs. 9 Lakhs

Discover a plethora of additional benefits accompanying the HDFC Bank Regalia Card, beyond its rewarding points system and lounge access privileges. Dive into the details below:

Fuel Surcharge Waiver

In addition to its comprehensive rewards program and lounge access benefits, the HDFC Regalia Card extends its advantages to include a fuel surcharge waiver. Enjoy the convenience of a 1% fuel surcharge waiver at all fuel stations across India for transactions falling within the range of Rs. 400 to Rs. 5,000 when using the HDFC Regalia Card. This benefit is capped at a maximum of Rs. 500 per month, providing substantial savings on your fuel expenses.

Joining and Renewal Fee Waiver

Experience the flexibility of fee waivers with the HDFC Regalia Card. The annual fee for the card can be waived off if you meet the spending criteria, spending Rs. 3 lakhs or more in the previous year. This feature ensures that you can continue to enjoy the privileges of your HDFC Regalia Card without the burden of additional fees, rewarding your loyalty and spending habits.

Unlock a world of benefits with the HDFC Regalia Card, where convenience, savings, and rewards converge to enhance your financial journey.

HDFC Regalia Card Reward Points

Uncover the intricate details of the reward structure accompanying the HDFC Bank Regalia Credit Card, designed to maximize benefits and enhance your spending experience:

• Reward Point Accumulation- For every retail expenditure of Rs. 150, delight in the acquisition of 4 Reward Points, enriching your reward balance with every transaction. Notably, transactions categorized as Fuel, EasyEMI, or loading transactions do not accrue any reward points, ensuring transparency and clarity in reward accumulation.
• Accelerated Reward Points- Elevate your rewards potential with accelerated Reward Points on specific categories, accessible through the SmartBuy platform. Enjoy 10x Reward Points on hotel and bus ticket bookings, 5x points on shopping from Amazon, flight bookings via Cleartrip and EasemyTrip, Redbus transactions, and Apple Imagine purchases. Additionally, relish 3x points on shopping from Flipkart and Rail Tickets. However, the maximum accelerated Reward Points attainable with the Regalia card are capped at 4,000 points per month, ensuring balanced rewards distribution.
• Transaction Cap- While relishing the benefits of insurance transactions and grocery spends, be mindful of the capped accumulation limits. Insurance transactions are subject to a daily cap of 2,000 Reward Points, while grocery spends are capped at 2,000 Reward Points per month, ensuring fair distribution of rewards across various expenditure categories.
• Exclusions- Certain transactions, including rental, property management, and government spends, do not qualify for reward point accrual, ensuring clarity and consistency in reward attribution.
• Reward Point Validity- Exercise diligence in redeeming your Reward Points, as they expire after 2 years from the date of accumulation. Stay vigilant to optimize your rewards and prevent any loss due to expiration.
• EMI Conversion Reversal- Transactions converted to EMI incur a reversal of the reward points earned on that transaction, ensuring alignment with the terms of the EMI conversion.
• Inactivity Clause- Maintain regular usage of your card to retain earned Reward Points, as inactive cards for over 1 year result in the nullification of all accumulated reward points. Stay engaged to preserve your rewards and continue enjoying the benefits of your HDFC Bank Regalia Credit Card.

HDFC Regalia Reward Points Redemption

Explore the versatility of redeeming reward points earned with the HDFC Bank Regalia Credit Card, offering a plethora of options tailored to suit your preferences:

Reward Points Redemption: Unlock the potential of your reward points by redeeming them on the SmartBuy portal or through Netbanking. Benefit from flexible redemption rates, with options including:

• Rs. 0.5 for each Reward Point against flights and hotel bookings, amplifying your travel savings.
• Rs. 0.35 for each Reward Point for redemption against an array of products and vouchers, allowing you to indulge in desired items or experiences.
• Rs. 0.20 for each Reward Point for cash backs, providing instant value and savings.
• Air miles conversion at a value of 0.5 air miles for every Reward Point, enabling you to fulfill your travel aspirations with ease.

Redemption Caps: While relishing the redemption benefits, be mindful of the set caps to ensure a fair and balanced utilization of reward points. Redemption for hotel and flight bookings via SmartBuy is capped at 50,000 Reward Points per month, ensuring equitable distribution of redemption opportunities. Similarly, redemption against the card statement balance is also capped at 50,000 Reward Points per month, maintaining consistency and fairness in redemption processes.

Partial Redemption: For select vouchers and products, enjoy the flexibility of redeeming reward points for up to 70% of the value, with the remaining amount payable using your credit card. This feature enables you to optimize your reward points while enjoying desired items or experiences.

Reward Redemption Fee: It’s important to note that HDFC Bank charges a nominal reward redemption fee of Rs. 99 on every redemption request, ensuring the smooth processing of reward point transactions while providing a streamlined experience for cardholders.

Embrace the freedom to redeem your reward points in accordance with your preferences and lifestyle, leveraging the diverse redemption options offered by the HDFC Bank Regalia Credit Card to enhance your savings and experiences.

HDFC Regalia Credit Card Fees and Charges

Discover the fee structure accompanying the HDFC Bank Regalia Credit Card, ensuring transparency and clarity in financial transactions:

• Joining Fee: Embark on your journey with the HDFC Bank Regalia Credit Card by paying a joining fee of Rs. 2,500 (plus applicable taxes), unlocking a world of exclusive benefits and privileges.
• Annual Fee: Continue to enjoy the benefits of your HDFC Bank Regalia Credit Card with an annual fee of Rs. 2,500 (plus applicable taxes), ensuring uninterrupted access to rewards and perks throughout the year.
• Interest Rate: Manage your finances responsibly to avoid incurring interest charges. An interest rate of 3.6% per month (43.2% annually) is applicable on the outstanding amount if full payment is not made by the payment due date.
• Forex Mark-up Fee: Experience seamless international transactions with the HDFC Bank Regalia Credit Card, albeit with a foreign currency mark-up fee of 2% (plus applicable taxes) on the transaction amount, ensuring competitive exchange rates and convenience during overseas travels.
• Cash Advance Charges: Access additional funds effortlessly with cash advance transactions, subject to a charge of 2.5% of the amount withdrawn or a flat fee of Rs. 500, whichever is higher. Exercise caution and discretion when availing cash advances to minimize associated charges.

Navigate your financial journey with confidence and clarity, armed with the knowledge of the fees and charges accompanying the HDFC Bank Regalia Credit Card.

HDFC Regalia Credit Card Eligibility

Prior to submitting your application for any credit card, it’s imperative to ascertain whether you meet the eligibility criteria to minimize the risk of rejection. This holds true for the HDFC Bank Regalia Credit Card as well. Below are the age and income eligibility requirements necessary to apply for this prestigious card:

• Age Eligibility: Applicants must be between 21 and 60 years of age to qualify for the HDFC Bank Regalia Credit Card. Individuals falling within this age bracket are eligible to apply and potentially avail themselves of the card’s benefits and features.
• Income Eligibility: In addition to meeting the age criteria, prospective cardholders must meet the specified income threshold set by HDFC Bank. The exact income requirement may vary and is subject to change based on the bank’s policies and regulations. As such, it’s recommended to verify the current income eligibility criteria before applying for the Regalia Credit Card.

By ensuring that you meet both the age and income eligibility criteria outlined above, you can enhance your chances of a successful application and increase the likelihood of being approved for the HDFC Bank Regalia Credit Card.

	Salaried Employees	Self-Employed Individuals
Age	21 years to 60 Years	21 years to 65 Years
Income	Minimum Rs. 1 Lakhs per annum	Minimum Rs. 12 Lakhs per annum

In addition to meeting the age and income requirements, HDFC Bank may also evaluate internal eligibility criteria when reviewing applications for the Regalia credit card. While satisfying the basic age and income thresholds is essential, having a positive credit history is equally crucial.

Maintaining a good credit history demonstrates responsible financial behavior and reflects your ability to manage credit effectively. Lenders, including HDFC Bank, often assess an applicant’s creditworthiness by reviewing their credit report, which includes details of past credit accounts, repayment history, outstanding debts, and other financial obligations.

A strong credit history, characterized by timely payments, low credit utilization, and a minimal history of defaults or delinquencies, increases the likelihood of approval for premium credit cards like the Regalia card. Conversely, a poor credit history, marked by missed payments, high debt levels, or a history of defaults, may lead to application rejection or approval with less favorable terms.

Therefore, while meeting the basic age and income criteria is necessary, it’s equally important to maintain a positive credit profile to enhance your chances of approval for the HDFC Bank Regalia credit card. Regularly reviewing your credit report, addressing any discrepancies, and managing your finances responsibly can help strengthen your creditworthiness and improve your chances of accessing premium credit products like the Regalia card.

How To Apply For a Regalia Credit Card?

Whether you prefer the convenience of online applications or the familiarity of offline methods, obtaining a Regalia Credit Card is a straightforward process tailored to your preferences.

Offline Application: For those inclined towards traditional methods, simply visit your nearest HDFC Bank branch. Armed with the requisite documents, complete the physical application form provided by the bank. A representative will guide you through the process, ensuring all necessary information is accurately captured.

Online Application: Embrace the simplicity of online applications by following a few easy steps:

1. Begin by clicking on the “Apply Now” button located at the top of this page.
2. You will be seamlessly redirected to the official HDFC Bank website, where the application process continues.
3. Fill in all mandatory details as prompted, ensuring accuracy and completeness.
4. Upload the required documents, facilitating a smooth and expedited application process.
5. Review your application carefully before submission to ensure all information is accurate and complete.

Whichever method you choose, rest assured that HDFC Bank strives to provide a seamless and efficient application experience, catering to your preferences and needs. Whether online or offline, acquiring the Regalia Credit Card is just a few steps away, unlocking a world of exclusive benefits and privileges tailored to complement your lifestyle.

HDFC Regalia Credit Card Activation and PIN Generation

Generating a PIN for your card is a simple process, offering you multiple convenient options for activation:

Internet Banking:
The quickest and easiest method is via Internet banking. Simply log in to your account and navigate to the “Manage your card” section. Here, you’ll find the option to generate or change your card’s PIN. Follow the prompts to complete the process seamlessly and securely from the comfort of your home.

ATM Activation:
Alternatively, you can activate your card and generate its PIN at an ATM. Visit your nearest ATM and insert your card. From the main menu, look for the option to activate your card. Follow the on-screen instructions to complete the activation process and generate your PIN instantly.

Whether you choose to activate your card through Internet banking or at an ATM, rest assured that both methods are designed to be user-friendly and efficient, ensuring a smooth start to your card ownership experience.

How To Check HDFC Regalia Card Application Status?

Checking the status of your credit card application with HDFC Bank is a straightforward process, offering both online and offline options for your convenience:

Online Method:

1. Visit the dedicated application tracking page on the HDFC Bank website.
2. Enter your mobile number along with any one of the following: your application reference number, application form number, or date of birth.
3. Submit the required details and await instant access to your application status displayed on the screen.

Offline Method:

1. If you prefer in-person assistance, visit your nearest HDFC Bank branch.
2. Approach the bank executives and inquire about the status of your HDFC Regalia Card application.
3. While this method may take some time due to manual processing, rest assured that the bank representatives will provide you with the necessary information regarding your application.

Whether you opt for the convenience of online tracking or the personalized assistance of a branch visit, HDFC Bank ensures a hassle-free experience in accessing your credit card application status.

HDFC Regalia Credit Card Limit

The HDFC Bank Regalia Credit Card typically offers a credit limit ranging from Rs. 2 lakhs to Rs. 5 lakhs, providing cardholders with financial flexibility to meet their diverse spending needs. Initially, you may receive a lower credit limit, but consistent and responsible usage of your card can prompt the issuer to consider increasing your limit over time.

Should you find the existing credit limit insufficient for your requirements, you have the option to request a higher limit from the card issuer. This process can be initiated by contacting customer care and articulating your reasons for needing a higher limit. If you meet the eligibility criteria and demonstrate a responsible credit behavior, the bank is likely to accommodate your request by raising your credit limit accordingly.

By maintaining a positive credit history and diligently managing your finances, you not only enhance your chances of receiving a higher credit limit but also unlock greater financial flexibility and purchasing power with your HDFC Bank Regalia Credit Card.

HDFC Regalia Login / Internet Banking

Registering your HDFC Regalia credit card for online banking is a seamless process, requiring just a few straightforward steps:

1. Begin by visiting the official website of HDFC Bank, your trusted banking partner.
2. Navigate to the “Ways to Bank” section and locate the option for Online Banking.
3. Within the Online Banking section, you’ll find a specific category labeled “Credit Card Net Banking.”
4. Click on “Register Online” to initiate the registration process for your HDFC Regalia credit card.
5. Follow the on-screen prompts to provide all the necessary details accurately and completely.

By following these simple instructions, you can effortlessly register your HDFC Regalia credit card for online banking, gaining access to a range of convenient banking services and features at your fingertips.

How To Block Regalia HDFC Credit Card?

In times of urgency, swift action is paramount, and HDFC Bank recognizes this by providing multiple channels to block your HDFC Regalia credit card instantly. Here are the options available to you:

1. Online Banking: Access your credit card internet banking account and navigate to the credit card hostlisting section. Here, you’ll find an option to block your card. Simply follow the prompts, provide a brief explanation for blocking your card, and within seconds, your card will be blocked, ensuring security and peace of mind.

2. Customer Care: Reach out to HDFC Bank’s credit card customer care service and request them to block your card. The customer care representatives will guide you through the process, asking necessary questions and details to verify your identity. Once confirmed, they will proceed to block your card instantly, safeguarding your finances from unauthorized usage.

3. Branch Visit: If online access is unavailable, you can visit your nearest HDFC Bank branch and request assistance from the bank executives to block your card. While this method may take slightly longer, it remains a viable option for individuals without internet or mobile access. The bank staff will assist you in blocking your card efficiently, ensuring immediate protection against potential misuse.

Whether you opt for online banking, customer care assistance, or a branch visit, HDFC Bank prioritizes your security by providing convenient and efficient methods to block your HDFC Regalia credit card in emergency situations.

HDFC Regalia Customer Care

When seeking assistance or support for your HDFC Regalia credit card, various convenient options are available to connect with HDFC Bank’s customer care team. Here are some of the easiest ways to reach out for assistance:

1. 24×7 Helpline Number: In case of emergency assistance or urgent queries regarding your HDFC Regalia Card, you can easily connect with customer care by dialing their 24×7 helpline number: 1800 266 4332. Trained representatives are available round-the-clock to address your concerns and provide necessary support whenever needed.
2. Email Communication: If you prefer written communication or have non-urgent queries, you can send an email to customerservices.cards@hdfcbank.com. Simply draft your query or concern, and send it to the designated email address. A customer service representative will promptly respond to your email, offering assistance and resolving your queries in a timely manner.

By leveraging these convenient communication channels, you can access HDFC Bank’s dedicated customer care support and receive assistance tailored to your specific needs, ensuring a seamless and hassle-free experience with your HDFC Regalia credit card.

Cards Similar To HDFC Regalia

Benefits	HDFC Regalia Credit Card	HDFC Regalia First Credit Card	HDFC MoneyBack Credit Card
Annual Fee	Rs. 2,500	Rs. 1,000	Rs. 500
Rewards Rate	4 Reward Points on every spend of Rs. 150	4 Reward Points on every spend of Rs. 150	4 Reward Points on every Rs. 150 spent online 2 Reward Points on every Rs. 150 spent offline
Reward Redemption	1 RP = Re. 0.20 for redemption against cashback 1 RP = Re. 0.35 for redemption against products and gift vouchers 1 RP = Re. 0.50 for redemption against flight/hotel bookings	1 RP = Re. 0.15 for redemption against cashback 1 RP = Re. 0.25 for redemption against products and gift vouchers 1 RP = Re. 0.30 for redemption against flight/hotel bookings	1 RP = Re. 0.20 for redemption against cashback 1 RP = Re. 0.25 for redemption against products and gift vouchers 1 RP = Re. 0.20 for redemption against flight/hotel bookings
Additional Benefits	Complimentary domestic (8 per year) and international lounge (6 per year) access every year. Up to 15,000 bonus Reward Points every year on achieving the spend milestone.	Up to 7,500 bonus Reward Points every year on achieving the spend milestone.	Gift vouchers worth up to Rs. 2,000 under the milestone benefits.

Is This The Right Card For You?

Selecting the ideal credit card entails careful consideration and research, as it’s not a decision to be made lightly. Rather than impulsively applying for a credit card, it’s essential to thoroughly examine its features, fees, and benefits. If you’re contemplating applying for the Regalia Credit Card, you should have clear reasons for doing so.

To begin, assess your spending habits across various categories to identify where you allocate the most funds. Look for credit cards that offer maximum benefits in these categories. However, it’s not sufficient to stop there; you should also compare different credit cards to determine which one best aligns with your needs.

The HDFC Bank Regalia Card could be the perfect choice if you are adept at using credit cards responsibly and seek a card that offers a multitude of benefits. These benefits include reward programs, travel privileges, movie & dining benefits, among others. However, it’s imperative to ensure that you genuinely require these benefits, as they come at the cost of an annual fee.

Ultimately, selecting the right credit card requires a comprehensive evaluation of your spending patterns, comparison of available options, and consideration of the card’s benefits vis-à-vis your requirements. By approaching the decision thoughtfully, you can choose a credit card that not only meets your financial needs but also maximizes your rewards and benefits.

Who Should Apply for the Credit Card?

Ranked among the nation’s most prestigious cards, the HDFC Bank Regalia stands out for its comprehensive benefits and privileges across various spending categories. With regular credit card transactions, cardholders stand to accumulate a substantial number of reward points, enhancing their overall experience.

For frequent travelers, the Regalia card offers a suite of exclusive perks, including complimentary lounge access, a low forex markup fee, and other travel-related benefits, ensuring a seamless and rewarding journey.

However, if you seek additional benefits beyond what the Regalia card offers for a comparable joining fee, consider exploring the HDFC Diners Club range of cards. These cards also boast impressive privileges tailored to cater to the diverse needs of cardholders. By carefully assessing all available options, you can select the card that best aligns with your spending habits and lifestyle preferences.

In conclusion, whether you opt for the HDFC Bank Regalia or explore alternatives like the HDFC Diners Club range, ensure to choose a card that not only complements your spending habits but also maximizes your benefits and enhances your overall credit card experience.

Review

The HDFC Bank Regalia credit card stands out as a sophisticated premium offering, boasting a plethora of unique benefits and enticing travel perks. One notable feature is the welcome bonus of 2,500 reward points upon joining, which can be redeemed for Rs. 1,250 towards travel or hotel bookings. Moreover, cardholders continue to accrue reward points on all their expenditures, which can be redeemed across a diverse range of products and categories according to their preferences.

In addition to its rewarding loyalty program, the HDFC Regalia credit card extends a host of exclusive privileges, including airport lounge access, dining benefits, fuel surcharge waivers, and comprehensive insurance coverage. These additional perks enhance the overall value proposition of the card, making it an appealing choice for discerning consumers.

Considering the array of benefits and features offered by the HDFC Regalia credit card, opting for this card can be a prudent decision if it aligns with your lifestyle and spending habits. Its blend of rewards, conveniences, and protections makes it a versatile tool for managing finances and indulging in luxury experiences.

What are your thoughts on the HDFC Regalia credit card review provided? We welcome your feedback and insights in the comments section below.