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HDFC Bank Regalia Credit Card
★★★★☆(4.6)If you enjoy the finer things in life, the HDFC Regalia Credit Card can be the ideal fit for you. This premium lifestyle credit card is designed to cater to your needs, whether you love travelling, dining out, or shopping at high-end stores. It comes with a joining and annual fee of ₹2,500, where you receive 2,500 reward points as a welcome benefit and a significant return on your investment. Plus, with a base reward rate of 1.3%, you can earn 4 reward points on every ₹150 spent. That's not all - the HDFC Regalia Credit Card has a host of other benefits that you won't want to miss out on. To know more, check out the details and review below.
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Features and Benefits
Aspects that make spending using this card lit as the sun!
Fee and Charges
Think of these as small investments to keep your credit card running smoothly.
Charges
Joining Fee
₹2500Annual Fee
₹2500Annual Percentage Rate
43.2%Add-on Card Fee
FreeMinimum Repayment Amount
5%Cash Withdrawal Fee
2.50%Cash Advance Limit
40%Card Replacement Fee
₹100Foreign Transaction Fee
2%Over Limit Penalty
2.50%Fuel Transaction Surcharge
2.50%Reward Point Value
₹0.20Balance more than ₹50000
₹1300Pros
Aspects that make this credit card amazing.
- ⮚Contactless payment option to facilitate fast, convenient, and secure payments at retail outlets.
- ⮚Add-on cards with the same features are available for spouse and children.
- ⮚Allows users to convert big spends into EMI.
- ⮚Low foreign currency markup compared to others.
Cons
Aspects this credit card lacks.
- ⮚Gold and Jewellery linked transaction is not permitted for conversion into SmartEMI.
- ⮚Reward points can only be redeemed for travel bookings (flights/hotels).
- ⮚Dineout Passport membership was only applicable for a limited period of time.
- ⮚Fuel purchases will not result in the accumulation of reward points.
- ⮚The daily cap on reward points earned from insurance transactions will be 2,000.
HDFC Bank Regalia Credit Card Review
This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.
The HDFC Regalia Credit Card is a highly sought-after premium credit card that offers numerous benefits, primarily focused on travel and retail spending. It is an ideal choice for frequent travelers and big spenders who want to earn a substantial amount of reward points on their purchases. With its impressive range of benefits, such as access to airport lounges, fuel surcharge waivers, and dining discounts, the HDFC Regalia Credit Card is a great option for those who value convenience and luxury.
It's worth noting, however, that the card comes with a higher annual fee than other premium credit cards in the market. Therefore, it's crucial to compare the reward rates and benefits provided by different cards before selecting the one that suits your needs and budget. If you want to explore more cards that offer benefits similar to HDFC Regalia, here are a few cards to consider:
Overview
| Best for | Travel |
|---|---|
| Joining Fee | ₹2500 |
| Annual Fee | ₹2500 |
| Reward Rate | 1.3% to 2% |
| Card Type | Premium |
| Card Network | Visa and Mastercard |
HDFC Bank Regalia Credit Card Maximum Cashback
| Flights and hotel bookings via Smartbuy | 1 reward point = ₹0.5 |
|---|---|
| Air Miles conversion through Netbanking | 1 reward point = 0.5 air mile |
| Against products and vouchers via Netbanking or Smartbuy | 1 reward point = Up to ₹0.35 |
| Against cashback | 1 reward point = ₹0.20 |
Who should get an HDFC Bank Regalia Credit Card?
The HDFC Regalia credit card is best suited for individuals who frequently travel and want to earn reward points for their travel and other expenses. It offers a wide range of travel benefits, including airport lounge access, travel insurance, and discounts on hotel bookings.
The HDFC Regalia credit card is a good choice for individuals who spend a lot in these categories. Additionally, it comes with a range of lifestyle benefits, such as access to exclusive events and experiences, and concierge services. Overall, Individuals who are ready to avail of premium benefits in exchange for a high annual fee. should consider the offer.
How to Apply for an HDFC Bank Regalia Credit Card?
1. Apply for an HDFC Bank Regalia Credit Card Online
- Alternatively, potential customers can apply online by following a few simple steps as mentioned below:
- Visit HDFC Bank’s official website.
- Under the “Borrow” section, click on the option “Credit Cards.”
- The visitor will be redirected to a page where all the HDFC credit cards have been categorized according to their features.
- The HDFC Regalia Credit Card is listed under the “Lifestyle” category.
- Click on “Apply Now”.
- Enter your mobile number and captcha to start the application.
- Fill in all the required details and upload the required documents in order to complete the process.
HDFC Bank Regalia Credit Card Eligibility
- Age: Minimum 21 Years
- Occupation: Salaried or Self Employed
- Income: Salaried - ₹1,00,000 p.m., Self-Employed: ITR > ₹12 Lakhs p.a.
Documents Required
- Proof of identity: Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government approved address proof.
- Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.