HDFC Bank Doctor’s Regalia Credit Card

HDFC Bank Doctor’s Regalia Credit Card – Features and Benefits

It is very evident from the name of the card that it is designed specifically for doctors. This comes with exclusive benefits and rewards across different categories related hotel & flight bookings, dining benefits and much more. Following are the detailed features of HDFC Bank Doctor’s Regalia Credit Card: –

Welcome Benefit

• You get 2,500 Reward Points as a welcome gift.

Reward Benefits

• You get 4 Reward Points on every Rs. 150 spent on all retail spending which include insurance, utilities, education & rent pay.

Travel Benefits

• You get 12 complimentary visits to lounges at all airports across India
• You get 6 complimentary visits to lounges at all airports outside India using the Priority Pass Membership
• Upon exhausting 6 complimentary international lounge visits, you can still access the lounges by paying US $27 + GST per visit.

Annual Spends Benefits

• You can earn 10,000 Reward Points upon spending Rs. 5 Lakhs in an anniversary year.
• Additional 5,000 Reward Points can be earned if you spend Rs, 8 Lakhs in an anniversary year.

Other Benefits

Doctor’s Regalia Credit Card provides you protection worth up to Rs. 20 Lakh against costs arising due to professional negligence

Joining and Renewal Fee Waiver

The renewal fee of HDFC Bank Doctor’s Regalia Credit Card can be waived off upon spending Rs. 3 Lakhs or more in the previous year.

Reward Redemption

• The redemption of the reward points can be done against flight and hotel bookings, for purchasing premium products and vouchers and for curated global experiences and if booked through https://offers.smartbuy.hdfcbank.com/regalia
• The rewards can be instantly redeemed on airline ticket bookings ang hotel bookings. 1 RP = Rs. 0.50 when redeemed on offers.smartbuy.hdfcbank.com/regalia
• Further, the Reward Points earned can be redeemed for cash, where 1 RP = Rs. 0.20
• A fee of Rs. 99 is charged when we redeem the Reward Points we had earned through HDFC Bank Doctor’s Regalia Credit Card

HDFC Bank Doctor’s Regalia Credit Card: Fees and Charges

• The fees and charges for the HDFC Bank Doctor’s Regalia Credit Card are Rs. 2,500 + the applicable taxes.
• The renewal membership fee is also Rs. 2,500 but can be waived off if Rs. 3 Lakhs or more is spent through this card in the previous year.
• HDFC Bank Doctor’s Regalia Credit Card offers a low Foreign Currency markup fee of 2%
• 3.49% per month is the interest rate that is charged on this card. This comes out to be 41.88% annually
• The cash advance charges on this card are 2.5% or Rs. 500, whichever is higher

Conclusion

The HDFC Bank Doctor’s Regalia credit card is a premium credit card that offers unique benefits and exciting travel offers and is exclusively for doctors. The bank also offers the general variant of this card which is the HDFC Regalia Credit Card which can be issued to anyone who fulfills the eligibility requirements. If we talk about the features of this card, you are entitled to 2,500 reward points as a welcome gift. Apart from these points, you keep collecting Reward Points on the basis of spending through your card which can then be redeemed against flight/hotel bookings and products of your choice. In addition to this, you get exclusive benefits like airport lounge access, fuel surcharge waiver, insurance benefits, etc. So, you can choose HDFC Bank Doctor’s Regalia Credit Card if it best suits your requirement.