The HDFC Regalia Credit Card is a prestigious and premium credit card offered by HDFC Bank in India. It is designed to provide exclusive privileges and a host of benefits to its cardholders. Here is an introduction to the HDFC Regalia Credit Card:
Key Features and Benefits:
1. Welcome Benefits: The HDFC Regalia Credit Card offers attractive welcome benefits, such as reward points, discounts, or vouchers upon card activation.
2. Reward Points: Cardholders earn reward points on their everyday spending, both domestically and internationally. The accumulated reward points can be redeemed for a variety of options like flight and hotel bookings, merchandise, vouchers, or statement credit.
3. Travel Benefits: The HDFC Regalia Credit Card provides several travel benefits, including complimentary airport lounge access across select domestic and international airports. Cardholders also enjoy special discounts on flight and hotel bookings made through partner travel portals.
4. Lifestyle Privileges: The card offers lifestyle privileges such as discounts on dining, shopping, and entertainment at partner outlets. It may also provide exclusive access to events, concierge services, and other lifestyle benefits.
5. Insurance Coverage: HDFC Regalia Credit Cardholders may have access to various insurance coverage, including travel insurance, air accident coverage, and emergency medical expenses coverage, subject to the terms and conditions.
6. Fuel Surcharge Waiver: Cardholders can enjoy a fuel surcharge waiver at select fuel stations across India, up to a certain transaction limit.
7. Contactless Payment: The card is equipped with contactless payment technology, allowing cardholders to make quick and secure transactions at enabled merchant terminals.
Benefits and Features of HDFC Regalia Credit Card
The HDFC Regalia Credit Card is a premium credit card offered by HDFC Bank in India. It comes with a range of features and benefits designed to enhance the cardholder’s lifestyle. Here are the key features of the HDFC Regalia Credit Card:
1. Reward Points: Cardholders earn 4 reward points for every Rs. 150 spent on retail purchases, including insurance, utilities, and education expenses. Additionally, they can earn bonus reward points for achieving spending milestones of Rs. 5 lakhs and Rs. 8 lakhs in an anniversary year.
2. Airport Lounge Access: Cardholders enjoy 12 complimentary airport lounge accesses within India and 6 outside India in a calendar year. Lounge access can be availed by swiping the Regalia credit card at the lounge.
3. Fuel Surcharge Waiver: Cardholders receive a 1% fuel surcharge waiver at all fuel stations across India on transactions ranging from Rs. 400 to Rs. 5,000.
4. Good Food Trail Program: Cardholders can avail up to 20% savings on restaurant bill payments made via Swiggy Dineout at over 20,000 restaurants.
5. Contactless Payment: The HDFC Regalia Credit Card is enabled for contactless payments, allowing for fast, convenient, and secure transactions at retail outlets.
6. Insurance Coverage: Cardholders are provided with comprehensive insurance coverage, including accidental air death cover worth Rs. 1 crore, emergency overseas hospitalization coverage up to Rs. 15 lakhs, and lost card liability cover up to Rs. 9 lakhs.
7. Smart EMI: The card offers the flexibility to convert big purchases into easy EMIs after the purchase is made.
8. Renewal Offer: The annual renewal fee for the card is waived off if the cardholder spends more than Rs. 3 lakhs in the previous year.
9. Concierge Services: Cardholders can enjoy exclusive 24/7 concierge services provided by HDFC Bank Regalia Credit Card.
10. Reward Point Redemption: The accumulated reward points can be redeemed for a range of options, including flight and hotel bookings, airmiles conversion, products and vouchers, and cashback.
Please note that the specific terms and conditions, eligibility criteria, and fees may vary, so it is advisable to refer to HDFC Bank’s official website or contact the bank directly for the most up-to-date and accurate information.
Eligibility
To be eligible for the HDFC Bank Regalia Credit Card as a salaried individual, you must be an Indian national between the ages of 21 and 60 years. Your net monthly income should be more than Rs 1 lakh.
For self-employed individuals, the eligibility criteria require you to be an Indian national between the ages of 21 and 65 years. Your annual income tax return (ITR) should reflect earnings of more than Rs 12 lakhs per annum.
It’s important to note that meeting the eligibility criteria does not guarantee approval for the credit card. The final decision is at the discretion of HDFC Bank, and additional factors such as credit history, employment stability, and other financial obligations may also be considered during the application process.
To get accurate and up-to-date information about the eligibility criteria and any specific requirements, it is recommended to visit the HDFC Bank’s official website or contact their customer service directly.
Fees and Charges
The HDFC Bank Regalia Credit Card has a joining/renewal membership fee of Rs. 2500 plus applicable taxes. Upon joining, you will receive a welcome benefit of 2500 Reward Points, and upon renewal, you will receive a renewal benefit of 2500 Reward Points. Please note that the renewal benefit is applicable only after the membership fee is realized and is not applicable when the fee is waived off.
It’s important to keep the card active by using it for transactions. The bank reserves the right to cancel the card if it remains inactive and is not used for any transaction for a continuous period of 6 months. Prior written notice will be sent to the email address, phone number, and communication address registered with the bank before cancellation.
For detailed information regarding fees and charges associated with the HDFC Bank Regalia Credit Card, it is recommended to refer to the official HDFC Bank website or the provided link to view the specific details. Additionally, terms and conditions apply, and it’s advisable to review them before applying for the card.
FAQs (Frequently Asked Questions) about HDFC Bank Regalia Credit Card:
1. How can I apply for the HDFC Bank Regalia Credit Card?
You can apply for the HDFC Bank Regalia Credit Card online through the HDFC Bank website or by visiting a branch.
2. What is the eligibility criteria for the HDFC Bank Regalia Credit Card?
For salaried individuals, the minimum age is 21 years and the maximum age is 60 years, with a net monthly income of over Rs. 1 lakh. For self-employed individuals, the minimum age is 21 years and the maximum age is 65 years, with an annual income tax return (ITR) of over Rs. 12 lakhs.
3. How many complimentary airport lounge visits do I get with the HDFC Bank Regalia Credit Card?
You can enjoy up to 12 complimentary airport lounge visits within India in a calendar year using your Visa or Mastercard credit card.
4. What happens if I exceed the complimentary lounge visits on my HDFC Bank Regalia Credit Card?
Any visits exceeding the complimentary quota will be allowed at the discretion of the lounge and will be chargeable by the lounge.
5. How can I avail lounge access outside India with the HDFC Bank Regalia Credit Card?
You can avail up to 6 complimentary international lounge visits for yourself and add-on members using the Priority Pass.
6. Is there a fuel surcharge waiver on the HDFC Bank Regalia Credit Card?
Yes, you can enjoy a 1% fuel surcharge waiver at all fuel stations across India on a minimum transaction of Rs. 400 and a maximum transaction of Rs. 5,000.
Conclusion:
The HDFC Bank Regalia Credit Card offers a range of benefits, including airport lounge access, reward points, fuel surcharge waivers, and exclusive dining discounts. With its premium features and privileges, this card is designed to enhance your travel and lifestyle experiences. Whether you’re a frequent traveler or enjoy dining out, the HDFC Bank Regalia Credit Card provides convenience, rewards, and protection. Consider applying for this credit card if you meet the eligibility criteria and want to enjoy the benefits it offers.
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