HDFC Bank Regalia Gold Credit Card

HDFC Bank Regalia Gold Credit Card is one of the most sought-after offerings from HDFC Bank, providing cardholders with top-tier travel and lifestyle privileges. The bank recently launched the new Regalia Gold Credit Card, which allows you to enjoy luxury travel and indulge in stylish shopping through its special rewards and offers.

The Regalia Gold Card comes with an annual fee in Indian rupees. On spending more than 2,500 rupees, cardholders are provided with a complimentary MMT Black Elite and Club Vistara Silver Tier membership. Within 90 days of card issuance, individuals receive 4 reward points for every retail expense of 1 rupee. Additionally, there are instant 5x reward points on every 150 rupees spent. These benefits apply to in-store and online transactions at Nykaa, Reliance Digital, Myntra, and Marks & Spencer.

The reward points you earn can be redeemed through net banking or SmartBuy for flight/hotel bookings, transferred to airline miles, redeemed on an exclusive Gold Catalog for products and vouchers, and even utilized for cashback. Moreover, the Regalia Gold Card also provides cardholders with premium travel and insurance benefits.

To learn more about HDFC Bank’s premium lifestyle card, continue reading our HDFC Bank Regalia Gold Credit Card review.

• Joining Fee-Rs. 2500 plus taxes
• Renewal Fee- Rs. 2500 plus taxes
• Best Suited For- Shopping
• Reward Type- Reward Points
• Welcome Benefits- Welcome benefit of complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over Rs. 1 Lakh inside 90 days of getting the card issued

Rewards and Benefits

• Movie & Dining- NA
• Rewards Rate- 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
• Reward 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, and Redeem RPs against the Exclusive Gold Catalogue on Smartbuy at the rate of 1 RP = Rs. 0.65
• Travel- Complimentary domestic and international lounge access, complimentary MMT Black Elite and Club Vistara Silver Tier membership, and complimentary flight tickets on reaching spend milestones.
• Golf- NA
• Domestic Lounge Access- 12 complimentary domestic lounge access
• International Lounge Access- 6 complimentary international lounge access
• Insurance Benefits- Accidental air death cover up to Rs. 1 crore, emergency overseas hospitalisation cover worth Rs. 15 lakhs, credit liability cover up to Rs. 9 Lakhs
• Zero Liability Protection- Cardholder will not be liable for fraudulent transactions made with the credit card if he reports about the loss in a timely manner

Fees & Charges

• Spend based Waiver- NA
• Rewards Redemption Fee- Rs. 99
• Foreign Currency Markup- 2% on all forex transactions
• Interest Rates- 3.6%
• Fuel Surcharge- 1% fuel surcharge waiver on all transactions between Rs. 400 and Rs. 5000
• Cash Advance Charge- 2.5% of total amount or Rs. 500, the higher one
• Add-on Card Fee- Nil

Product Details

• Welcome benefit of complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over Rs. 1 Lakh inside 90 days of getting the card issued
• 1500 worth vouchers from any one of M&S, Myntra, Reliance Digital, or Marriott on spending Rs. 1.5 Lakhs each quarter
• 5000 worth complimentary flight ticket on spending Rs. 7.5 Lakhs in the cad 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%

HDFC Bank Regalia Gold Credit Card – Features & Benefits

The new Regalia Gold card by HDFC Bank is loaded with exclusive travel and shopping benefits. It offers a great reward rate on all retail spends and 5x reward points on purchasing from partner brands and merchants. Let’s know more about the features and benefits of this newly-launched credit card in detail.

Welcome Benefits

Complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over Rs. 1 Lakh inside 90 days of getting the credit card issued.

Club Vistara Silver Tier membership offers –

• 1 complimentary class upgrade voucher
• Added check-in baggage allowance both inside and outside the country
• Priority check-in
• 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, discounts on beverages, food, etc. at specific hotels
• Make travel spends on MakeMyTrip and get My Cash. You can use the My Cash for a booking
• Exclusive access to MMT Black Fest

The welcome benefits must be claimed inside 60 days from the benefit end date and the complimentary membership is valid for a 1-year period.

Milestone Benefits

• You get complimentary flight tickets and gift vouchers on achieving annual and quarterly spend-based milestones
• On spending Rs. 1.5 Lakhs in a calendar quarter, you get Rs. 1500 worth vouchers from M&S, Myntra, Marriott, and Reliance Digital. You can redeem just 1 voucher from any merchant per quarter.
• On spending Rs. 7.5 Lakhs in the card anniversary year, you receive a complimentary flight ticket worth Rs. 5000. The benefit is unlocked on achieving the annual spend milestone and you can then generate the voucher code for the flight ticket.

Travel Benefits

You get several premium travel benefits with the Regalia Gold credit card which includes complimentary lounge access and airport pick and drop voiuchers.

Domestic Lounge Access

• Get 12 complimentary domestic lounge access at Indian airports every year for both international and domestic terminals.
• Just use your Regalia Gold card and get complimentary lounge access. All visits after finishing the complimentary quota are charged by the airport lounge accordingly.

International Lounge Access

• Get 6 complimentary international lounge access every year through the Priority Pass for both the primary and add-on cardholder.
• After you complete at least 4 transactions on your Regalia Gold credit card, you can apply for the Priority Pass membership. All visits after finishing the complimentary quota cost USD27 plus GST.

Airport Pick and Drop

You can avail this service only if you book flight tickets through the Regalia Gold Unified Smartbuy portal. You have to generate your voucher code and use it in the Ola application for the airport pick and drop service.

Annual Spend-Based Waiver

You can get the card renewal fee waived off on spending Rs. 4 Lakhs in the card anniversary year.

Insurance Benefits

• You get an accidental air death cover up to Rs. 1 Crore
• You can get an emergency hospitalization cover up to Rs. 15 Lakhs
• Get credit liability cover worth Rs. 9 Lakhs

Reward Points Accrual

• Get 4 Reward Points on every spend of Rs. 150 on retail including utilities, insurance, and education with a maximum cap of 2000 RPs per month on grocery transactions and 2000 RPs per day on insurance transactions.
• Get 20 Reward Points 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

• You can redeem RPs for flight/hotel bookings via the Smartbuy portal at the rate of 1 RP = Rs. 0.50
• You can 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
• You can also redeem the 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.

Zero Lost Card Liability

In case you lose your Regalia Gold credit card, you will not be liable for any fraudulent transactions made with the card if you report it immediately to the bank’s 24-hour call center.

HDFC Regalia Gold Credit Card Fees and Charges

• Joining/Annual Fee – The credit card comes with a joining and annual fee of Rs. 2500 plus taxes. You can get an annual fee waiver on spending Rs. 4 Lakhs in the previous year.
• Interest Rate – The card charges an interest rate of 3.6% per annum and 43.2% per year.
• Cash Advance Fee – You will be charged Rs. 500 minimum or 2.5% of the withdrawal amount, whichever is higher to withdraw cash using this credit card.
• Forex Markup Fee – A forex markup fee of 2% of the transaction value is applied to all foreign currency transactions made with this credit card.
• Fuel Surcharge Waiver – You get a 1% fuel surcharge waiver on every fuel station in India on transactions between Rs. 400 and Rs. 5000

HDFC Bank Regalia Gold Credit Card Eligibility

You should go through the eligibility requirements of any credit card thoroughly before applying for it. The following are the age and income requirements for the Regalia Gold credit card.

Apart from these requirements, you must have a good credit score and credit history to be approved for the credit card. Here is the list of documents you need to submit when you apply for the credit card –

• ID Proof – Voter ID, Aadhar Card, Passport, PAN Card, Driving License
• Address Proof – Ration Card, Aadhar Card, Passport, Utility Bills, Rent Agreement
• Income Proof – Latest bank statement, latest salary slips, audited ITR

Conclusion:

HDFC Regalia range of cards is one of the most popular card offerings from HDFC Bank, and with the Regalia Gold Credit Card, you get some fantastic lifestyle and travel benefits. With this card, you receive a warm welcome and milestone rewards in the form of reward points for every retail expense.

There are privileged merchant partners where you can earn instant reward points and redeem them for cashback, flight/hotel bookings, airline miles, or exclusive Gold Catalog products. For frequent travelers, the card also offers flight vouchers and access to domestic and international airport lounges upon reaching milestone spends.

If you are a responsible credit card user, the Regalia Gold Credit Card is definitely worth considering due to its amazing benefits and rewards program. Share your thoughts about the new Regalia Gold Credit Card in the comments and let us know if you are interested in obtaining this card.

Note: The English translation provided is an approximation of the original text.