If you’re looking for a credit card that offers excellent travel and lifestyle benefits, the HDFC Bank Regalia Credit Card might be the perfect choice for you. With an annual fee of Rs. 2,500, this card provides a wide range of travel and luxury rewards, including a welcome bonus of 2,500 Reward Points. It offers various advantages across categories such as lifestyle, travel, and dining, making it one of the most popular credit cards from HDFC Bank.
The HDFC Regalia Credit Card lives up to its promise of luxury and travel perks by offering complimentary airport lounge access, both domestically and internationally. You earn 4 Reward Points for every Rs. 150 spent using the card, which can be redeemed across various categories with a value of up to Re. 0.5 per point. Additionally, the card has a low foreign currency markup fee, making it an ideal option for international travelers. Other benefits include excellent dining discounts, 24/7 concierge services, and much more.
For a more detailed review and breakdown of the features of the HDFC Regalia Credit Card, continue reading below.
Overview:
| Feature | Details |
|---|---|
| Card Type | Premium Credit Card |
| Reward Rate | Up to 4 reward points per ₹150 spent |
| Annual Fee | ₹2,500 + taxes (1st year), ₹2,500 + taxes (2nd year onwards) |
| Unique Selling Points | Complimentary airport lounge access, global acceptance, 24/7 concierge service |
Joining Fees:
| Fee Type | Details |
|---|---|
| Joining Fee | ₹2,500 + taxes |
| Renewal Fee | ₹2,500 + taxes (waived on annual spends of ₹3 lakh) |
| Welcome Benefits | 2,500 reward points on first spend |
Membership Benefits:
HDFC Bank Regalia Credit Card offers a range of additional memberships, such as complimentary Dineout Passport membership, Club Marriott membership, and Zomato Pro membership. These memberships provide access to exclusive dining offers, discounts on hotel stays, and more.
Rewards:
| Spend Type | Reward Points |
|---|---|
| Regular Spends | 4 points per ₹150 spent |
| Accelerated Spends | Up to 10 points per ₹150 spent on dining and international spends |
| Caps on Reward Points | No cap on earning reward points |
Milestone Benefits:
| Milestone Spend | Reward Points |
|---|---|
| ₹3 Lakh | 10,000 reward points |
| ₹6 Lakh | Additional 5,000 reward points |
Redemption:
Reward points can be redeemed for a variety of options including flights, hotel bookings, air miles conversion (via Frequent Flyer Programs), and statement credit. Redemption is seamless through the HDFC Bank SmartBuy portal.
Airport Lounge Access:
| Access Type | Details |
|---|---|
| Domestic Lounges | Unlimited access to select lounges |
| International Lounges | 6 complimentary visits per year via Priority Pass |
| Add-on Cardholder Benefits | Similar access as primary cardholder |
Airport Transfers:
Cardholders can avail of complimentary airport transfer services up to 3 times per year. These services need to be booked in advance through the dedicated concierge service, and certain conditions apply.
Forex Markup Fee:
| Fee Type | Details |
|---|---|
| Forex Markup Fee | 2% + taxes |
| Reward Rate on International Spends | Up to 10 points per ₹150 spent |
Eligibility:
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- Minimum Age: 21 years
-
- Maximum Age: 60 years
-
- Minimum Income: ₹1,20,000 per month (for salaried individuals) or ₹12 lakh per annum (for self-employed individuals)
How to Apply?
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- Online Application: Visit the HDFC Bank website, fill in the required details, upload the necessary documents, and submit the application.
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- Offline Application: Visit the nearest HDFC Bank branch, collect the application form, fill in the details, attach the required documents, and submit the form.
Card Review:
The HDFC Bank Regalia Credit Card stands out as a versatile option for those who value both luxury and rewards. Its extensive lounge access, high reward rates on international spends, and milestone benefits make it a solid choice for frequent travellers. However, the annual fee might be a consideration for those with lower spending. Overall, it’s a well-rounded card that delivers significant value.
Also, check other top credit cards with similar benefits.
Rating: 4.5/5
If the HDFC Bank Regalia Credit Card aligns with your lifestyle and spending habits, consider applying for it today on the HDFC Bank official website and enjoy a world of exclusive privileges.
Feel free to share your experiences and thoughts about the HDFC Bank Regalia Credit Card in the comments below!
FAQ
1. What are the key features of the HDFC Regalia Credit Card?
- Reward Points: Earn 4 reward points for every ₹150 spent on retail purchases, except for fuel transactions.
- Welcome Benefit: Enjoy 2,500 reward points as a welcome benefit upon successful realization of the membership fee.
- Travel Benefits: Complimentary access to airport lounges both domestically and internationally.
- Insurance Benefits: Complimentary air accident insurance cover and emergency overseas hospitalization cover.
- Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel transactions (subject to conditions).
- Foreign Currency Markup Fee: A relatively low foreign currency markup fee of 2% on international transactions.
2. What are the eligibility criteria for applying for the HDFC Regalia Credit Card?
- Salaried Individuals:
- Age: 21 to 60 years.
- Minimum Income: ₹1,20,000 per month.
- Self-employed Individuals:
- Age: 21 to 65 years.
- Minimum Income: ₹12,00,000 per annum (ITR).
3. What documents are required to apply for the HDFC Regalia Credit Card?
- Identity Proof: PAN Card, Aadhaar Card, Passport, or Voter ID.
- Address Proof: Aadhaar Card, Passport, Utility Bill, or Rent Agreement.
- Income Proof: Salary slips for the last 3 months, Form 16, or ITR for the last 2 years for self-employed individuals.
4. What are the fees and charges associated with the HDFC Regalia Credit Card?
- Joining Fee: ₹2,500 plus applicable taxes.
- Annual Fee: ₹2,500 plus applicable taxes (waived if annual spends exceed ₹3 lakh).
- Interest Rate: 3.49% per month (41.88% per annum) on revolving credit.
- Late Payment Charges: Up to ₹1,300, depending on the outstanding balance.
5. How can I redeem reward points earned on the HDFC Regalia Credit Card?
- Reward points can be redeemed for flight and hotel bookings, gifts, vouchers, and products from the HDFC Bank’s online rewards redemption portal. 1 reward point is typically valued at ₹0.50 for redemption against travel and shopping.
6. How can I access the airport lounges with my HDFC Regalia Credit Card?
- You can access domestic and international airport lounges using the complimentary Priority Pass membership. Lounge access is subject to terms and conditions, such as a limited number of free visits per year.
7. What is the foreign currency markup fee for international transactions?
- The foreign currency markup fee for international transactions with the HDFC Regalia Credit Card is 2% of the transaction amount.
8. How can I pay my HDFC Regalia Credit Card bill?
- You can pay your credit card bill through various channels such as HDFC Bank net banking, mobile app, NEFT, RTGS, auto-debit, cheque, or cash at the bank branch.
9. What should I do if my HDFC Regalia Credit Card is lost or stolen?
- In case your card is lost or stolen, immediately report it to HDFC Bank’s customer care helpline to block the card and prevent unauthorized transactions. You can also block your card via HDFC Net Banking or Mobile Banking app.
10. How can I contact HDFC Bank customer service for queries related to the Regalia Credit Card?
- You can contact HDFC Bank customer care through their toll-free number, email support, or by visiting the nearest HDFC Bank branch. The contact details are usually mentioned on the back of your credit card and on the HDFC Bank official website.
11. Can I upgrade to the HDFC Regalia Credit Card from another HDFC credit card?
- Yes, existing HDFC credit cardholders can apply for an upgrade to the Regalia Credit Card, subject to eligibility criteria and approval by the bank. You can request an upgrade via HDFC Bank’s customer service or through their net banking portal.
12. What are the insurance benefits offered with the HDFC Regalia Credit Card?
- The card offers complimentary insurance benefits such as air accident cover, medical emergency insurance, and baggage delay/loss insurance, subject to terms and conditions. It’s advisable to check the latest insurance policy details provided by HDFC Bank for comprehensive coverage information.
