HDFC Bank Regalia Gold Credit Card

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

After successfully paying joining fees, you shall receive a gift voucher worth ₹2500. Complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over ₹1 Lakh within 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. Visit this link to check out the list of lounges accessible in India.

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

Who Should Apply for the Credit Card

This is one of the best HDFC Bank credit card in the rewards and travel categories and suits high-spenders who use their credit card for most of their spends. This allows them to make the most of the reward points earned and the reward points can be redeemed against various options like products/vouchers, converted to airmiles, and against the Exclusive Gold Catalog.

You should get the card if you plan to make high spends with it and collect reward points. The rewards can be redeemed for premium brands, travel, etc. Also, as milestone benefit, the card offers travel vouchers instead of bonus points and you should definitely go for the card if you travel frequently.

HDFC Bank Regalia Gold Credit Card Review

The HDFC Regalia range of cards is one of the most popular by HDFC Bank and you get some of the best lifestyle and travel benefits with the Regalia Gold credit card. You get exciting welcome and milestone benefits with this card and reward points on every retail spend.

There are partner merchants on which you can earn accelerated reward points and redeem your points against cashback, flight/hotel bookings, Airmiles, or products from the Exclusive Gold Catalogue. For frequent travellers, the card also offers flight vouchers on reaching spend milestones and complimentary domestic and international airport lounge access.

If you are a responsible credit card user, the Regalia Gold credit card is worth getting because of its excellent benefits and reward program. Let us know your thoughts about the new Regalia Gold credit card in the comments and if you are willing to get this card.