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.
Aspects that make spending using this card lit as the sun!
2,500 reward points on payment of joining and annual fee.
HDFC Bank Regalia Credit Card comes with an option to convert your big spends into EMI after purchase.
Convenience fee waiver of 1% on all fuel transactions. The waiver on the convenience fee is applicable only for fuel transactions between ₹400 to ₹5,000. (Maximum waiver of ₹500 per statement cycle).
If the missing card is reported to the bank promptly, the cardholder is not responsible for fraudulent purchases.
Think of these as small investments to keep your credit card running smoothly.
Joining Fee₹ 2500
Annual Fee₹ 2500
Annual Percentage Rate43.2%
Add-on Card FeeFree
Minimum Repayment Amount5%
Cash Withdrawal Fee2.50%
Cash Advance Limit40%
Card Replacement Fee₹ 100
Foreign Transaction Fee2%
Over Limit Penalty2.50%
Fuel Transaction Surcharge2.50%
Reward Point Value₹ 0.20
Balance below ₹100₹ 0
Balance from ₹100 to ₹500₹ 100
Balance from ₹501 to ₹5000₹ 500
Balance from ₹5001 to ₹10000₹ 600
Balance from ₹10001 to ₹25000₹ 800
Balance from ₹25001 to ₹50000₹ 1100
Balance more than ₹50000₹ 1300
Aspects that make this credit card amazing.
Aspects this credit card lacks.
Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!
Starting from 1 December, the lounge access program will be tied to one's credit card spending. To avail of the lounge benefits, a credit card user must spend Rs. 1 lakh or more in a single calendar quarter, i.e., January-March, April-June, July-September, October-December. Only two complimentary lounge access vouchers will be available per quarter as part of the milestone benefit for users.
HDFC Bank has introduced the upgraded HDFC Diners Club Metal Edition Credit Card, setting it apart from the previous HDFC Diners Club Black Credit Card. The key differentiators between the two cards are as follows:
This revamped credit card caters to the evolving preferences and spending patterns of customers, providing additional perks and benefits.
HDFC Bank and Marriott International have launched a co-branded credit card in India, called the Marriott Bonvoy HDFC Bank Diners Club International Credit Card. The card is the first hotel co-branded credit card in India. It offers a number of benefits to cardholders, including:
Swiggy is reportedly teaming up with HDFC Bank to introduce a co-branded credit card. By doing so, Swiggy would join the increasing number of e-commerce platforms like Flipkart, Myntra, and Paytm, which have already launched their own co-branded credit cards.
Swiggy's strategic decision to venture into the co-branded credit card space is aimed at strengthening customer loyalty and involvement by offering supplementary advantages and incentives through the card.
Indian citizens can apply for the HDFC Regalia Credit Card if their net monthly income is more than Rs. 10,00,000 and if they are self-employed and have an ITR of more than Rs. 12,00,000 annually.
Yes, HDFC Regalia is considered a premium credit card offered by HDFC Bank. It comes with a range of features and benefits designed to cater to the needs of high-income individuals who require a high credit limit, access to exclusive privileges, and enhanced rewards programs.
Membership in Priority Pass is available upon request. Customers are eligible for Priority Pass membership if they have completed 4 billable transactions in the last 60 days. Also, you must complete the HDFC Bank Priority Pass Form on the bank's website by providing all the information requested
HDFC Bank does not offer lifetime free credit cards. But it gives its customers low-fee credit cards and the opportunity to get a fee reversal on achieving milestone spending. These HDFC Credit Cards offer great discounts and rewards on entertainment, fuel, dining, hotel reservations, etc.
The HDFC Regalia Credit Card has a credit limit of Rs. 2 to Rs. 5 lakh. The available balance on the card, however, has no defined limit and is totally decided by your income and CIBIL Score. HDFC Bank regularly raises your credit limit based on your usage and repayment history.
You can apply for the HDFC Regalia Credit Card offline as well as online. You can go to the bank's official website to submit an application online by filling in the necessary and required details. If you want to apply offline, you can fill out the application in person at the closest HDFC Bank location.
To have a Regalia Credit Card, an individual must have a minimum gross salary of Rs. 1 lakh a month, and a self-employed individual should have an ITR of more than Rs. 12 lakhs per annum.
You can earn reward points on your Regalia Credit Card by using it to make purchases. The reward points are only valid for retail purchases. Transactions involving fuel and EasyEMI are not eligible for reward points. The accumulated reward points will expire after 2 years and must be redeemed for the various goods listed in the rewards catalogue.