HDFC Bank Regalia Gold Credit CardApply Now |
HDFC Bank Regalia Credit CardApply Now |
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Joining Fee Rs. 2,500 + GST | Joining Fee Rs. 2,500 + GST | ||
Rewards and Benefits |
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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 | Welcome Benefits 2,500 bonus Reward points | ||
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 | Rewards Rate 4 reward points every time one spends Rs. 150. | ||
Movie & Dining 20% Discount via Swiggy Dineout | Movie & Dining Get up to 20% off on partner restaurants via Swiggy Dineout only when the payment is made through the Swiggy application. | ||
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 | Reward Redemption 1 RP = Rs. 0.5 for redemption against flights and hotel bookings on HDFC Smartbuy website, 1 RP = up to Rs. 0.35 if you want to redeem against vouchers and poducts, 1 RP = Rs 0.20 for cash back, and Air miles conversion at a value of 1RP = 0.5 air mile. | ||
Travel Complimentary Flight Tickets on Reaching Spend Milestones | Travel Complimentary Domestic and International Lounge Access. You get travel-related insurance benefits as well. | ||
Golf NA | Golf N/A | ||
Domestic Lounge 3 Complimentary Domestic Airport Lounge Access Every Quarter (12 Each Year) | Domestic Lounge 8 free airport lounge access per year within India. | ||
International Lounge 6 complimentary international lounge access | International Lounge 6 airport lounge access every year outside India through the Priority Pass. | ||
Insurance Benefits Accidental air death cover up to ₹1 crore, emergency overseas hospitalisation cover worth ₹15 lakhs, credit liability cover up to ₹ 9 lakhs | Insurance Benefits Insurance cover worth Rs. 1 Crore against accidental air death and coverage of up to Rs. 15 lakhs against emergency hospitalization for overseas treatment. | ||
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 | Zero Liability Protection You get zero liability protection cover up to Rs 9 lacs in case of misuse or loss of card. | ||
Fees & Charges |
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Renewal Fee Rs. 2,500 + GST | Renewal Fee Rs. 2,500 + GST | ||
Spend Based Waiver Renewal Fee Waiver on Spending Rs. 4 Lakh in a Year | Spend Based Waiver Get the annual fee waived off (second-year onwards) by spending more than 3 lakh in the previous year. | ||
Rewards Redemption Fee Rs. 99 | Rewards Redemption Fee Rs 99 (plus applicable taxes) | ||
Foreign Currency Markup 2% on all forex transactions | Foreign Currency Markup 2% on all foreign currency transactions. | ||
Interest Rates 3.6% | Interest Rates 3.6% per month or 43.2% annually | ||
Fuel Surcharge N/A | Fuel Surcharge 1% fuel surcharge waiver at all fuel stations in India on a minimum of Rs. 400 transaction and a maximum of Rs. 5000 transaction. | ||
Cash Advance Charges 2.5% of total amount or Rs. 500, the higher one | Cash Advance Charges 2.5% of the transaction amount or Rs. 500 (whichever is higher) | ||
Add-on Card Fee Nil | Add-on Card Fee Nil |