HDFC Bank Regalia Credit Card – Benefits, Fees & Eligibility

Introduction

The HDFC Bank Regalia Credit Card is designed for individuals seeking premium travel and lifestyle benefits. With an annual fee of Rs. 2,500, the card offers an initial welcome bonus of 2,500 Reward Points. It provides a comprehensive suite of advantages across categories like travel, dining, and shopping. Cardholders can enjoy complimentary airport lounge access both within India and internationally, along with a competitive foreign currency markup of just 2%, making it ideal for international transactions. The card allows earning 4 Reward Points for every Rs. 150 spent, with points redeemable at a value of up to Re. 0.5. Additionally, it offers dining privileges, 24x7 Concierge services, and robust insurance benefits.

Welcome Benefits

• 2,500 bonus Reward Points are awarded after the successful realization of the joining fee.

Fees

• Joining Fee: Rs. 2,500 + GST.
• Renewal Fee: Rs. 2,500 + GST.
• Spend-Based Waiver: The annual fee (second-year onwards) can be waived if you spend Rs. 3 lakhs or more in the previous year.
• Rewards Redemption Fee: Rs. 99 (plus applicable taxes) is charged on every redemption request.
• Foreign Currency Markup: 2% on all foreign currency transactions.
• Interest Rates: 3.6% per month or 43.2% annually on the outstanding amount if not paid by the due date.
• Fuel Surcharge: 1% fuel surcharge waiver at all fuel stations in India on transactions between Rs. 400 and Rs. 5,000, capped at a maximum benefit of Rs. 500 per month.
• Cash Advance Charges: 2.5% of the transaction amount or Rs. 500 (whichever is higher).

Rewards

• Rewards Rate: Earn 4 Reward Points on every Rs. 150 spent on retail.
• Milestone Benefits:
  • Earn 10,000 Reward Points on spending over Rs. 5 lakhs in an anniversary year.
  • Earn an additional 5,000 Reward Points (totaling 15,000) on spending over Rs. 8 lakhs in an anniversary year.
• Movies & Dining:
  • Get up to 20% off on partner restaurants via Swiggy Dineout when the payment is made through the Swiggy application.
• Travel:
  • Complimentary Domestic and International Lounge Access.
  • Travel-related insurance benefits.
• Domestic Lounge Access:
  • Receive 8 complimentary airport lounge accesses per year within India (2 times every calendar quarter).
  • To avail this benefit, you need to spend Rs. 1 lakh or more in the preceding calendar quarter (Jan-Mar, Apr-June, Jul-Sept, Oct-Dec).
  • Exceeding the complimentary lounge access quota will be allowed at the discretion of the lounge and will be chargeable.
  • (Effective December 1st, 2023) Lounge access is spend-based; achieve Rs. 1 Lakh spend in a calendar quarter to avail up to 2 complimentary lounge access vouchers via the Regalia SmartBuy page.
• International Lounge Access:
  • Receive a complimentary Priority Pass membership with 6 complimentary lounge visits every year outside India.
  • All visits after the complimentary quota will be charged at US $27 per person per visit.
  • You can apply for the Priority Pass membership for yourself and add-on members after completing a minimum of 4 retail transactions using your card.
• Golf: Not applicable.
• Insurance Benefits:
  • Insurance cover worth Rs. 1 Crore against accidental air death.
  • Coverage of up to Rs. 15 lakhs against emergency hospitalization for overseas treatment.
  • Lost Card Liability Cover of Rs. 9 Lakhs.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver at all fuel stations in India on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 500 per month.
• Accelerated Rewards on SmartBuy:
  • Earn 10x Reward Points for hotel/bus ticket bookings on the SmartBuy platform.
  • Earn 5x Reward Points on shopping from Amazon, on flight bookings through Cleartrip and EasemyTrip, Redbus, and on Apple Imagine.
  • Earn 3x Reward Points on shopping from Flipkart and Rail Tickets.
  • Maximum accelerated reward points are capped at 4,000 points per month.
• Reward Point Exclusions and Limitations:
  • Reward points are not earned on Fuel, EasyEMI, or loading transactions.
  • Reward points for insurance transactions are capped at 2,000 per day.
  • Reward points for grocery spends are capped at 2,000 per month.
  • Reward points are not accrued on rental, property management, and government spends.
  • Reward points expire after 2 years from the date of accumulation.
  • If a transaction is converted to EMI, the reward points earned on that transaction will be reversed.
  • If the card isn't used for 1 year, all earned reward points will be nullified.

Rewards Redemption Guide

• Reward points can be redeemed on the HDFC Smartbuy portal or through Netbanking.
• Redemption Value for Flights and Hotel Bookings: 1 Reward Point = Rs. 0.50.
• Redemption Value for Products and Vouchers: 1 Reward Point = up to Rs. 0.35.
• Redemption Value for Cash Back: 1 Reward Point = Rs. 0.20.
• Air Miles Conversion: 1 Reward Point = 0.5 air mile.
• Redemption Capping:
  • Reward points redemption for hotel/flight bookings via Smartbuy is capped at 50,000 RPs per month.
  • Reward points redemption against the card statement balance is capped at 50,000 RPs per month.
• For select vouchers and products, you can redeem reward points for up to 70% of the value, with the remaining amount payable using your credit card.
• A reward redemption fee of Rs. 99 (plus applicable taxes) is charged on every redemption request.

Card Eligibility Criteria

Salaried Employees

• Age: 21 years to 60 years.
• Income: Minimum Rs. 1 Lakhs per annum.

Self-Employed Individuals

• Age: 21 years to 65 years.
• Income: Minimum Rs. 12 Lakhs per annum.

Other Criteria

• The bank may have additional internal eligibility criteria, such as a good credit history, which will be considered for application approval.

Card Review

The HDFC Bank Regalia Credit Card is a premium offering that delivers unique benefits, particularly excelling in travel and lifestyle categories. Its welcome bonus of 2,500 Reward Points can be a valuable start, equivalent to Rs. 1,250 for travel or hotel bookings. Beyond the initial bonus, cardholders consistently earn 4 Reward Points on every Rs. 150 spent, which can be redeemed for various products, vouchers, or travel experiences. The card stands out with complimentary airport lounge access, both domestically and internationally, alongside dining benefits, fuel surcharge waivers, and comprehensive insurance coverage. It's an excellent choice for individuals who manage their credit card responsibly and frequently travel or seek exclusive lifestyle privileges.

Who Should Apply

• Individuals looking for a credit card with significant travel and lifestyle benefits.
• Those who make regular credit card transactions and wish to earn substantial reward points.
• Frequent travelers who will benefit from complimentary lounge access, a low foreign currency markup fee (2%), and travel-related insurance.

Pros

• Generous welcome bonus reward points and a competitive reward rate.
• Low foreign exchange markup fee of 2% on international transactions.
• Complimentary domestic and international airport lounge access, including a Priority Pass membership.
• Significant milestone benefits with bonus reward points on annual spending.

Cons

• HDFC Regalia Gold Card offers similar joining fees but potentially better benefits and redemption options.
• Several spend categories, such as Fuel, EasyEMI, loading, rental, property management, and government spends, are excluded from earning reward points.
• Reward points have an expiry period of 2 years from the date of accumulation.
• Domestic lounge access has a spend-based criterion of Rs. 1 lakh in the preceding quarter to avail complimentary vouchers, which might be a limitation for some users.

Important Product Details

• Welcome bonus of 2,500 Reward Points.
• Earn 4 Reward Points on every Rs. 150 spent on retail.
• Earn a total of 15,000 bonus Reward Points annually on spending Rs. 8 lakhs in an anniversary year (10,000 RPs on Rs 5 lakhs and an additional 5,000 RPs on Rs 8 lakhs).
• Up to 20% off on partner restaurants via Swiggy Dineout.
• Complimentary Priority Pass program membership.
• 6 complimentary Lounge Access at airports outside India and 8 within India (domestic access is spend-based: Rs. 1 lakh in the preceding quarter for 2 vouchers per quarter, up to 8 annually).
• Low international transaction charges of 2%.
• Renewal fee waiver on spending over Rs. 3 lakhs in the previous year.
• 1% fuel surcharge waiver, capped at Rs. 500 per month.
• Travel insurance benefit including accidental air death cover up to Rs. 1 crore.
• Medical emergency cover up to Rs. 15 lakhs for overseas treatment.
• Lost Card Liability Cover up to Rs. 9 Lakhs.
• Accelerated Reward Points on SmartBuy: 10x RPs for hotel/bus ticket bookings, 5x RPs on Amazon, Cleartrip, EasemyTrip, Redbus, Apple Imagine for flight/shopping, and 3x RPs on Flipkart and Rail Tickets.
• Maximum accelerated reward points capped at 4,000 points per month.
• Reward points for insurance transactions are capped at 2,000 per day.
• Reward points for grocery spends are capped at 2,000 RPs per month.
• Reward points are not accrued on Fuel, EasyEMI, loading, rental, property management, and government spends.
• Reward points expire after 2 years from the date of accumulation.
• Reward redemption fee of Rs. 99 (plus applicable taxes) on every redemption request.

Other Details

How To Apply For a Regalia Credit Card?

• Online:
  • Visit the official HDFC Bank website.
  • Navigate to the 'Personal' section, then 'Pay', and select 'Cards'.
  • Click on 'Credit Card', then select 'HDFC Bank Regalia Credit Card' and proceed to apply online.
• Offline:
  • Visit your nearest HDFC Bank branch with all the required documents and fill out the physical application form.

HDFC Regalia Credit Card Activation and PIN Generation

• Via Internet Banking: Log in to your Internet Banking account, go to the 'Credit Cards' section, and find the option to generate or change your card’s PIN under the 'Manage your card' section.
• Via ATM: Visit your nearest HDFC Bank ATM, select the option to activate your card and generate its PIN from the main menu, or choose 'Create new PIN option', enter the OTP received on your registered mobile number, and create your PIN.
• Using PIN Sent by Bank: The HDFC Bank may send a 4-digit PIN along with your credit card; you can use this PIN for the first time to activate your card and then change it for security purposes.

How To Check HDFC Regalia Card Application Status?

• Online: Visit the application tracking page of HDFC Bank. Enter your mobile number and any one of the following: application reference number, application form number, or date of birth to check the status instantly.
• Offline: Visit your nearest HDFC Bank branch and inquire about the status of your application from bank executives.

HDFC Regalia Credit Card Limit

• The credit limit for the HDFC Bank Regalia Credit Card generally ranges from Rs. 2 lakhs to Rs. 5 lakhs.
• You might receive a lower credit limit initially, which can be increased over time with regular and responsible card usage.
• Cardholders can contact customer care to request a higher credit limit if eligible.

HDFC Regalia Login / Internet Banking

• To register your HDFC Regalia Credit Card for online Internet banking:
  • Visit HDFC Bank’s official website.
  • Scroll down to the 'Ways to Bank' section and click on 'Online Banking'.
  • Select 'Credit Card Net Banking'.
  • Click on 'Register Online' and fill in all the required details to complete the registration.

How To Block Regalia HDFC Credit Card?

• Via Internet Banking: Log in to your credit card internet banking account, search for the 'credit card hotlisting' option, and explain the reason for blocking your card.
• Via Customer Care: Contact the credit card customer care helpline, provide the necessary details for verification, and request to block your card instantly.
• Via Branch Visit: Visit your nearest HDFC Bank branch and request bank executives to block your card, though online or phone methods are generally faster for emergencies.

HDFC Regalia Customer Care

• For any emergency assistance or queries related to your HDFC Regalia Card, you can contact customer care through the following methods:
  • 24x7 Helpline Number: 1800 266 4332.
  • Email: customerservices.cards@hdfcbank.com.