The HDFC Bank Regalia Credit Card is one of the premium offerings from HDFC Bank, aimed at customers who seek luxury and convenience in financial transactions. This card offers an array of features including exclusive travel benefits, dining discounts, reward points, and access to airport lounges globally. In this article, we’ll delve deep into the details of the HDFC Regalia Credit Card, explaining its benefits, fees, rewards program, eligibility criteria, and how it stands out among other credit cards in India.
1. Key Features of HDFC Regalia Credit Card
The HDFC Regalia Credit Card is designed to cater to high-net-worth individuals and frequent travelers. Below are some of its major features:
- Welcome Benefits: The card offers a variety of welcome benefits, including bonus reward points that can be redeemed for flight bookings, hotel stays, and shopping.
- Reward Points: Cardholders earn 4 reward points per ₹150 spent. These points can be redeemed for air tickets, hotel bookings, or a range of products from the rewards catalog.
- Airport Lounge Access: One of the standout features is complimentary access to over 1,000 airport lounges across the globe.
- Fuel Surcharge Waiver: The card provides a 1% fuel surcharge waiver on fuel transactions, helping you save more on your daily commute.
- Dining Discounts: Enjoy up to 15% discount on dining at select partner restaurants across India.
- Foreign Currency Markup: The card has a 2% markup on foreign currency transactions, which is lower than many other cards in this category.
2. Detailed Benefits of the HDFC Regalia Credit Card
a. Travel Benefits
HDFC Bank Regalia Credit Card offers a host of travel-related perks, including:
- Complimentary Lounge Access: You get complimentary access to over 12 domestic airport lounges and more than 1,000 international lounges using the Priority Pass membership.
- Travel Insurance: Cardholders receive complimentary air accident insurance coverage of up to ₹1 crore, along with emergency overseas hospitalization coverage.
b. Rewards Program
The Regalia Credit Card is known for its generous rewards program:HDFC Bank Regalia Credit Card
- Reward Points Accumulation: Earn 4 reward points for every ₹150 spent on retail transactions, except fuel.
- Reward Redemption: These points can be redeemed for flights, hotel bookings, or products from the HDFC Regalia rewards portal.
c. Dining Benefits
Dining at partnered restaurants can earn you significant discounts:
- Discounts on Dining: Up to 15% discount at over 2,000 premium restaurants across India as part of HDFC’s dining program.
d. Fuel Benefits
- Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a cap on monthly waiver limits. HDFC Bank Regalia Credit Card
e. Foreign Currency Markup
- Lower Markup Fee: A foreign currency markup fee of just 2%, making it ideal for frequent international travelers.
3. Fees and Charges
a. Annual Fee
The annual fee for the HDFC Regalia Credit Card is ₹2,500 + GST. However, this fee is waived off if you spend ₹3 lakh or more in the previous year.
b. Interest Rate
The interest rate on the Regalia Credit Card is 3.6% per month (or 43.2% annually).
c. Other Fees
- Late Payment Fees: Ranges from ₹100 to ₹1,300 depending on the outstanding amount.
- Cash Advance Fee: 2.5% of the amount withdrawn, subject to a minimum of ₹500.
4. Eligibility Criteria
To be eligible for the HDFC Regalia Credit Card, applicants need to meet the following criteria:
- Age: Primary cardholder should be between 21 and 60 years of age.
- Income: Salaried applicants should have a minimum annual income of ₹12 lakh, while self-employed applicants should have a minimum annual income of ₹15 lakh.
- Credit Score: A good credit score (usually above 750) is recommended to increase the chances of approval.
5. How to Apply for HDFC Regalia Credit Card
Applying for the HDFC Regalia Credit Card can be done online or by visiting the nearest HDFC Bank branch. Follow these steps to apply:
- Visit the official HDFC Bank website.
- Go to the credit cards section and choose the Regalia Credit Card.
- Fill in the required details and submit the necessary documents online.
- Branch Application:
- Visit the nearest HDFC Bank branch with proof of income, identity, and address.
- Fill out the application form with the assistance of a bank executive.
Once the application is submitted, it typically takes 7-10 working days for the approval process.
6. Pros and Cons of HDFC Regalia Credit Card
Pros:
- Generous reward points on regular spending.
- Extensive airport lounge access globally.
- Comprehensive travel insurance benefits.
- Dining discounts and fuel surcharge waiver.
- Lower foreign currency markup fees compared to other premium cards.
Cons:
- High eligibility criteria in terms of income.
- High annual fees, although they are waived upon spending ₹3 lakh annually.
- No cashback feature, only reward points.
7. Why Choose HDFC Regalia Credit Card?
The HDFC Regalia Credit Card stands out for its luxury benefits, especially for those who travel frequently and seek premium services. The extensive rewards program, coupled with lounge access and dining benefits, makes it an ideal option for high-income individuals who prioritize convenience and savings. While the annual fees may seem steep, the card’s benefits far outweigh the costs for those who can take full advantage of the features.
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