HDFC Regalia Gold Credit Card

HDFC Regalia Gold Credit Card (4.3)

Premium Best For: Travel
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The HDFC Regalia Gold Credit Card can be your passport to a world of exclusive privileges. It comes with a joining and annual fee of ₹2,500 and welcomes you with free Club Vistara and MMT Black memberships, granting you priority check-in, lounge access, and a host of other benefits. The benefits extend beyond travel, enriching your everyday expenses with a reward rate ranging from 1.3% to 13%! And that's not all; the card has a lot more in store for you. Here's everything you need to know. 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus
  • Gift Voucher equivalent to Fee Amount  = ₹2,500
  • Free Club Vistara Silver Tier and MMT Black Elite Membership when you spend ₹1 Lakh and above within 90 days of card issuance. 
Reward Points
  • Earn 4 Reward Points on every ₹150 retail spends, including Insurance, Utilities and Education​
  • Earn 20 Reward Points on every ₹150 retail spend at Marks & Spencer, Myntra, Reliance Digital, and Nykaa.
  • Reward Rate: 1.3% to 13%.
Lounge Access

12 free lounge access within India (both at domestic and international terminals) using the HDFC Bank Regalia Gold Credit Card.

Milestone Benefit
  • ₹1500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend ₹1.5 Lakhs in every calendar quarter.
  • ₹5000 worth flight vouchers when you spend ₹5 Lakhs spends in an anniversary year 
  • Additional ₹5,000 worth flight vouchers when you spend ₹7.5 Lakhs spends in an anniversary year. 
Insurance Benefit
  • Accidental air death cover worth ₹1 Crore
  • Emergency overseas hospitalization: up to ₹15 lakhs
  • Credit Liability cover: Up to ₹9 Lakhs  
Zero Lost Card Liability

If you report the loss of your HDFC Bank Regalia Gold Credit Card to our 24-hour call centre right away, you will not be held responsible for any unauthorised purchases made with your Credit Card.

Dining Benefit

Get up to 20% savings on all your restaurant bill payments via Swiggy Dineout.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹2,500

Annual Fee

₹2,500

Annual Percentage Rate

43.20%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.5 %

Cash Advance Limit

40%

Card Replacement Fee

₹100

Foreign Transaction Fee

2%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.20
Late Payment Charges

Balance below ₹100

Nil

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
Pros

Aspects that make this credit card amazing.

  1. Free Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits.
  2. 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital.
  3. Free travel insurance up to ₹1 crore.
Cons

Aspects this credit card lacks.

  1. Reward points will not be accrued for fuel transactions.
  2. HDFC Regalia Gold charges high annual fee.
  3. No golf and entertainment benefits.
HDFC Regalia Gold Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(4)

Customer Service

(3.5)

HDFC Regalia Gold Credit Card Review

The HDFC Regalia Gold Credit Card is a good choice for people who travel often and want to earn rewards from their spending. It comes with several benefits that are useful for travelers, like free memberships for Club Vistara Silver Tier and MMT Black Elite. You can earn five times more reward points when you shop at specific stores like Marks & Spencer, Myntra, Nykaa, and Reliance Digital. The card also lets you access airport lounges for free at more than 1000 airports, which is great for travellers. You'll get four reward points for every ₹150 you spend on shopping.

Overview

Best For

Travel

Joining Fee ₹2,500 + taxes
Annual Fee ₹2,500 + taxes
Card Network  Mastercard

Reward Points on HDFC Regalia Gold Credit Card

Category Reward Points
Retail spends (including insurance, utilities and education) 4 Reward Points per ₹150
Spends at Marks & Spencer, Myntra, Reliance Digital and Nykaa 20 Reward Points per ₹150
Redemption Category Redemption Value
Exclusive Gold Catalogue 1 reward point = ₹0.65
Flights and Hotel Bookings 1 reward point = ₹0.50
Airmile Conversion 1 reward point = 0.5 Airmile
Products and Voucher Purchase 1 reward point = Up to ₹0.35
Cashback/Statement Balance 1 reward point = ₹0.20

Who Should Opt for HDFC Regalia Gold Credit Card?

The HDFC Regalia Gold Credit Card is a premium credit card that is suitable for people who meet the following criteria:

  • Have a good credit score,
  • Spend a minimum of ₹1 lakh per year,
  • Travel frequently,
  • Want to earn rewards on their spending.

How to Apply for HDFC Regalia Gold Credit Card?

To apply for HDFC Regalia Gold Credit Card, follow the below steps:

Step 1: Visit select.finology.in and click on 'Credit Card' tab.
Step 2: Click on Card Issuers, where you will see a list of banks that issue credit cards.
Step 3: Choose HDFC Bank from the list.
Step 4: Choose HDFC Regalia Gold Credit Card and click on 'Apply Now' button.
Step 5: Provide the required consent and then you will be redirected to a page where you need to fill in your mobile number and PAN card number.
Step 6: Fill in the credit card application form and attach the documents required.

HDFC Regalia Gold Credit Card Eligibility

For Salaried Indian national
Age:
Min 21 years & Max 60 Years,
Net Monthly Income> ₹1,00,000

For Self Employed Indian national
Age: Min 21 years & Max 65 Years
Income: ITR > ₹12 Lakhs per annum

Documents Required

  • 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: 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: Latest one or two salary slips (not more than three months old), latest Form 16, and the last 3 months’ bank statement.
HDFC Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

HDFC Bank

HDFC Bank Credit Card Customer Care Number:

1800 202 6161 / 1860 267 6161

HDFC Bank Card Offers:

View Offers

Total Cards:

2,04,04,625
HDFC Bank Credit Card News
16 May 2024, Thursday
1. HDFC Bank Launches Pixel Play: India's First Virtual Credit Card with Cashback Customisation

HDFC Bank has introduced the Pixel Play Credit Card, India's first virtual credit card, with unique features like:

  1. Customization: You can choose cashback merchants, card design and billing cycle date.
  2. Convenience: Entirely digital onboarding and management through HDFC Bank's PayZapp app.
  3. Benefits: Up to 5% cashback, contactless payments, in-app EMI conversion, and exclusive dining discounts.
  • 5% Cashback on choice of any two packs
    • Dining & Entertainment Category – BookMyShow & Zomato
    • Travel Category – MakeMyTrip & Uber
    • Grocery Category – Blinkit & Reliance Smart Bazaar
    • Electronics Category – Croma & Reliance Digital
    • Fashion Category – Nykaa & Myntra
  • 3% Cashback on choice of any one E-commerce merchant: Amazon or Flipkart or PayZapp
  • 1% Unlimited Cashback across all other spends

Who can apply?

  • For Salaried:
    • Age: Min 21 yrs & Max 60 Yrs
    • Income: Gross Monthly Income > Rs 25,000
  • For Self Employed
    • Age: Min 21 yrs & Max 65 Yrs
    • Income: ITR > Rs 6.0 Lakhs per annum
08 Feb 2024, Thursday
2. HDFC Bank launched a new range of business credit cards specifically for SMEs

The cards come in four variants - BizFirst, BizGrow, BizPower, and BizBlack - and offer benefits like interest-free credit periods, rewards on business spend, and insurance coverage.

  1. BizFirst: Entry-level card with 55 days interest-free period, 3% cashback on EMI spends, 2% on utilities & electronics, 1% on other spends. 
  2. BizGrow: Offers higher 5% cashback on business spends like GST, income tax, vendor payments, travel, business tools, and 1% on other spends. 
  3. BizPower: Premium card with 5X reward points on fuel spending, accelerated rewards on travel, dining, and utilities, and airport lounge access. 
  4. BizBlack: Flagship card with maximum rewards on all categories, complimentary airport lounge access, travel insurance, and other premium benefits. 
31 Oct 2023, Tuesday
3. Effective 1 December 2023, HDFC Bank will limit lounge access for Regalia Credit Card holders.

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.

19 Oct 2023, Thursday
4. HDFC introduces enhanced Diners Club Metal Edition Credit Card

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:

  • Annual Fee Waiver: The metal edition requires cardholders to spend 8 lakhs annually to enjoy an annual fee waiver, whereas the plastic card's threshold is 5 lakhs in annual spends.
  • Welcome Benefit: The new Metal Edition card offers a Swiggy One annual membership as a welcome benefit, replacing the earlier Forbes and MMT Black offerings. In contrast, the plastic card provided a 3-month Swiggy One membership, alongside Forbes and MMT Black.
  • Milestone Benefit: The Metal Edition introduces a new milestone benefit, granting cardholders 10,000 Bonus Reward Points on a quarterly basis. However, it no longer features the old benefits amongst cult.fit Live 1 month membership/ BookMyShow /TataCLiQ /Ola cabs vouchers worth Rs. 500

This revamped credit card caters to the evolving preferences and spending patterns of customers, providing additional perks and benefits.

24 Aug 2023, Thursday
5. HDFC Bank partners with Marriott Bonvoy to launch India's first 'hotel co-branded card'.

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:

  • Complimentary Marriott Silver Elite Status
  • Up to 4 free night awards
  • Accelerated Marriott Bonvoy points earning on travel, dining, and entertainment
  • Airport lounge access
  • Travel insurance
05 Jul 2023, Wednesday
6. Swiggy to launch co-branded credit card with HDFC Bank.

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.

HDFC Regalia Gold Customer Reviews

No Customer reviews yet. Be the first to review this card.

Frequently Asked Questions

The HDFC Regalia Gold credit card is a premium credit card that offers a host of benefits to its cardholders, including:

  • Complimentary Club Vistara Silver Tier membership and MMT Black Elite membership
  • 5X reward points on spends at Marks & Spencer, Myntra, Nykaa, and Reliance Digital
  • Complimentary lounge access at over 1000 airports
  • 4 reward points on every Rs.150 spent (On retail* spends)
  • 1% cashback on all international transactions (upto Rs. 1,000/- per statement cycle)
  • Rs. 2,000/- worth Yatra voucher once you accumulate International spends of Rs. 1,50,000/- in a year
  • 500 bonus reward points on first utility bill payment
  • 2% cashback on all Smart Pay payments with a max cap of Rs 200 and reversal of Rs. 10
  • 1% cashback on all utility bill payments directly made to the bill merchant with a max cap of Rs 150

The HDFC Regalia Gold credit card differs from other HDFC credit cards in the following ways:

  • It offers a higher reward rate on spends at select merchants
  • It offers complimentary lounge access at over 1000 airports
  • It offers a higher cashback rate on international transactions
  • It offers a welcome benefit of complimentary Club Vistara Silver Tier membership and MMT Black Elite membership

The annual fee for the HDFC Regalia Gold credit card is Rs. 2500 plus taxes. However, the annual fee can be waived if you spend Rs. 4 lakhs in an anniversary year (12 billing cycles).

The foreign currency markup fee for international transactions with the HDFC Regalia Gold credit card is 2%. This means that for every Rs.100 you spend in foreign currency, you will be charged an additional Rs.2.

The key benefits of the HDFC Regalia Gold credit card are:

  • Complimentary Club Vistara Silver Tier membership and MMT Black Elite membership
  • 5X reward points on spends at Marks & Spencer, Myntra, Nykaa, and Reliance Digital
  • Complimentary lounge access at over 1000 airports
  • 4 reward points on every Rs.150 spent (On retail* spends)
  • 1% cashback on all international transactions (upto Rs. 1,000/- per statement cycle)
  • Rs. 2,000/- worth Yatra voucher once you accumulate International spends of Rs. 1,50,000/- in a year
  • 500 bonus reward points on first utility bill payment
  • 2% cashback on all Smart Pay payments with a max cap of Rs 200 and reversal of Rs. 10
  • 1% cashback on all utility bill payments directly made to the bill merchant with a max cap of Rs 150

To upgrade your existing HDFC credit card to the HDFC Regalia Gold credit card, you can follow these steps:

  1. Call the HDFC Bank customer care number and request an upgrade.
  2. You will need to provide your name, account number, and the credit card number of your existing card.
  3. The customer care executive will verify your eligibility for the upgrade.
  4. If you are eligible, you will be asked to submit some documents, such as a copy of your PAN card and latest salary slip.
  5. Once the documents are submitted, the upgrade process will be initiated.
  6. The upgraded card will be sent to you within a few weeks.

The eligibility criteria for applying for an HDFC Regalia Gold credit card:

Age: Must be between 21 and 60 years old.
Nationality: Indian national.
Employment status: Salaried or self-employed.
Income:
Salaried: Net monthly income of at least Rs. 1,00,000.
Self-employed: Minimum annual income of Rs. 12 lakhs.
Credit score: Good credit score.
You can apply for the HDFC Regalia Gold credit card online or by visiting an HDFC Bank branch. The application process is quick and easy.

You can redeem your reward points earned with the HDFC Regalia Gold credit card through the following options:

  • Online redemption: You can redeem your reward points online through the HDFC Bank website or mobile app. You can redeem your points for flights, hotels, gift cards, and merchandise. The redemption value of your reward points is as follows:
  • Flights and hotel bookings via Smartbuy: 1 reward point = Rs. 0.5
  • Air miles conversion through Netbanking or SmartBuy: 1RP = upto 0.5 airmiles
  • Against products and vouchers via Netbanking or SmartBuy: 1 reward point = Up to Rs. 0.35
  • Against cashback: 1 reward point = Rs. 0.20
  • SmartBuy: You can redeem your reward points for flights and hotel bookings through the SmartBuy portal. You can also redeem your points for merchandise through the SmartBuy catalogue.
  • Statement credit: You can redeem your reward points for a statement credit against your outstanding balance. The redemption value of your reward points is as follows:
  • 1 reward point = Rs. 0.20
  • Gift cards: You can redeem your reward points for gift cards from a variety of merchants. The redemption value of your reward points will vary depending on the merchant.
  • Merchandise: You can redeem your reward points for merchandise from the HDFC Bank catalogue. The redemption value of your reward points will vary depending on the item.

Here are the steps on how to redeem your reward points online:

  1. Go to the HDFC Bank website and log in to your account.
  2. Click on the "Reward Points" tab.
  3. Select the redemption option you want to use.
  4. Enter the number of reward points you want to redeem.
  5. Review the redemption details and click on the "Redeem" button.

You can apply for an HDFC Regalia Gold credit card online or by visiting an HDFC Bank branch. The application process is quick and easy.

To apply online, you will need to create an account on the HDFC Bank website and fill out an application form. You will need to provide the following information:

  1. Your name, address, and contact details
  2. Your date of birth and PAN number
  3. Your employment details and income
  4. Your spending habits

You will also need to upload scanned copies of the following documents:

  1. Proof of identity (passport, driver's license, or PAN card)
  2. Proof of address (electricity bill, water bill, or bank statement)
  3. Proof of income (salary slip or IT return)