HDFC Regalia Gold Credit Card - Features & Benefits & How To Apply
As you all know HDFC is the most popular card issuer in India. They have introduced several credit cards with different features and benefits according to customers’ needs. From among HDFC credit cards, HDFC Regalia Gold Credit Card is the latest upgrade of the renowned Regalia family, aiming to reclaim its status as a top-tier all-rounder credit card.
The HDFC Regalia Gold Credit Card is designed to dominate the sub-Rs.5,000 annual fee credit card segment, as it offers several perks like competitive reward rates, complimentary memberships, access to domestic and international airport lounges, and milestone flight vouchers.
With their enhanced upgrade, Regalia Gold could be a great option for frequent travelers and premium shoppers. Let’s dive into the HDFC Regalia Gold Credit Card review to know more!
Fees & Charges Of the Card
| Annual Fee | Rs.2,500 |
|---|---|
| Renewal Fee | Rs.2,500 (subject to being waived off if you spend Rs.4 lakh and above in a calendar year) |
HDFC Regalia Gold Credit Card Key Features
Below are some Features of HDFC Regalia Gold Credit Card:
- As a Welcome Benefit users get Free Membership to MMT Balck Elite and Club Vistara Silver Tier.
- If users quarterly expenditure reaches Rs.1.5 lakh can get vouchers worth Rs.1,500.
- On annual spending of Rs.5 lakh users awarded Flight vouchers worth Rs.5000, and an additional Rs.5000 voucher provided for annual spending of Rs.7.5 lakh.
- You will earn 5X reward points on spending on valuable stores like Marks & Spencer, Nykaa, Reliance Digital, and Myntra.
- Users can get Free lounge access at over 1000 airports across the globe.
- On spending of every Rs.150 on retail purchases you will get 4 reward points.
Additional Benefits & Features HDFC Regalia Gold Credit Card
Zero Lost Card Liability: Even if Unfortunately you lost your HDFC Regalia Gold Credit Card, as soon as you immediately inform our 24-hour call center, you won’t be responsible for any authorized purchases made using your card.
Foreign Currency Markup: Your foreign currency purchases are marked up by 2%.
Revolving Credit: On your HDFC Bank Regalia Gold Credit Card take the benefits of low-interest revolving credit.
Other Benefits and Features of HDFC Regalia Gold Credit Card
Lounge Access:
Customers using HDFC Regalia Gold Credit Card can enjoy complimentary lounge access, below are the given conditions under which you can enjoy free lounge access:
- The HDFC Regalia Gold Credit Card offers 12 complimentary access points within India both at domestic and international terminals.
- Scan your HDFC Regalia Gold Credit Card there to enter the lounge for free.
- If the customer visits over a complimentary allotment and lounge that are not included in the program will be permitted at to lounge’s discretion and additional charges.
Priority Pass:
- You and your companion can use Priority Pass to get up to six complimentary lounge access outside of India each year.
- Upon using of your Regalia Gold Credit Card for a minimum of 4 retail purchases, you can apply for a priority pass for yourself and for your additional member.
- If you make more visits than the complimentary ones you will be charged US $27+GST per visit.
- On using your Priority Pass to access the lounge in India you will be charged US $27+GST each visit.
Welcome Benefit
While availing this card you will enjoy a benefit of Rs.2,500. On spending of Rs.1 lakh within the 90 days of the card issuance you will get complimentary Club Vistara Silver Tier and MMT Black Elite Membership.
Milestone Benefits
- You will get coupons from Myntra, Marriot, Marks & Spencer, or Reliance Digital worth Rs.1500 on spending of Rs.1.5 lakh in each calendar quarter.
- Upon spending Rs.5 lakh in an anniversary year you will get flight vouchers worth Rs.5000.
- Receive additional bonus flight voucher worth Rs.5000 on spending of Rs.7.5 lakh in an anniversary year.
Annual Spend Benefit
- The renewal fee for the next billing year will be waived off when you spend Rs.4 lakh in a calendar year.
Contactless Payments
- Customers can enjoy HDFC Regalia Gold Credit card contactless card functionality enabling quick, simple, and safe payments at retail establishments.
Insurance
- Get accidental air death insurance worth Rs.1 crore.
- Get emergency medical care abroad up to Rs.15 lakh.
- Coverage for credit liability of up to Rs.9 lakh.
Reward Points/Cashback Redemption and Validity
- You can earn 4 reward points for every Rs.150 spent in retail purchases including insurance, utilities and education.
- Receive 20 Reward points on spending of Rs.150 on retail at Myntra, Nykaa, Marks & Spencer, and Reliance Digital.
How to Redeem Reward Points?
The reward points earned via the HDFC Regalia Gold Credit Card can be redeemed through the exclusive Gold Catalog for selected premium brands, products and vouchers, available on SmartBuy.
Customers can exchange their reward points for the following items through SmartBuy. Where 1 RP = Rs.0.65.
| Redemption Category | Redemption Value |
|---|---|
| Exclusive Gold Catalogue | 1 reward point = Rs. 0.65 |
| Flights and Hotel Bookings | 1 reward point = Rs. 0.50 |
| Airmile Conversion | 1 reward point = 0.5 Airmile |
| Products and Voucher Purchase | 1 reward point = Up to Rs. 0.35 |
| Cashback/Statement Balance | 1 reward point = Rs. 0.20 |
Eligibility Criteria Of the Card
You will need to fulfill the following criteria before applying for the HDFC Regalia Gold Credit Card:
- Age should be 21 years to 60 years for salaried persons.
- Minimum monthly income required at least Rs.1 lakh
- For the self-employed person minimum age should be 21 years and the maximum will be 65 years, and with annual income tax returns of more than Rs.12 lakh per annum.
Conclusion
The HDFC Bank Regalia Gold Credit Card is ideal for frequent shoppers or diners, offering accelerated rewards, dining discounts, and valuable benefits. With a renewal fee waiver for the next billing year upon meeting spending criteria, it ensures rewarding experiences effortlessly.