HDFC Regalia Gold Credit Card (4.3)

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)