HDFC Regalia Gold Credit Card Review
HDFC Regalia Gold Credit Card
Introduction
Introducing the Gateway to Financial Elegance: In today’s fast-paced world, having a credit card that simplifies your transactions and adds a touch of luxury to your lifestyle is a game-changer.
Whether you’re a frequent traveller or a connoisseur of fine dining, this credit card is designed to elevate your financial experience.
In this comprehensive review, we’ll take you through the key features, benefits, and perks of the HDFC Regalia Gold Credit Card, making it easily understandable for readers of any language.
From travel rewards to dining privileges, we’ll explore how this card can be your trusted companion in finance.
Join us as we unveil the secrets of this exquisite card and discover how it can unlock a world of opportunities for you.
Whether you’re a financial guru or a newcomer to the credit card game, our article is designed to be your go-to guide for making informed decisions about your financial future.
Let’s dive in!
At A Glance
HDFC Regalia Gold Credit Card
- Joining Fee: Rs 2500 + GST
- Annual Fee: Rs 2500 + GST
- Best for: Reward Points
- Best Feature(s): Milestone Rewards, Domestic & International Airport Lounge Access
Fees & Charges
| Description | Fees & Charges |
|---|---|
| Joining Fee | Rs 2500 + GST |
| Renewal/Annual Fee | Rs 2500 + GST |
| Annual Fee Waiver | YES ( if Rs 4 Lakhs spend in a membership year ) |
| Add-on Card Fee | NIL |
| Foreign Currency Markup Charges | 2% of the transaction amount |
| Interest Rates | 3.60% per month, 43.20% per year |
| Fuel Surcharge | NA |
| Railway Ticket Purchase Fee | 1% of the transaction amount + GST |
| Cash Advance Charges | 2.5% or Rs 500 ( whichever is higher) of the withdrawn amount |
| Charges on overlimit account | 2.5% of overlimit amount, subject to a minimum of Rs 550 |
| Rewards Redemption Fee | Rs 99 per redemption request |
| Reward Point Validity | Valid only for 2 years from the date of accumulation |
| Balance Transfer Processing Charges | 1% of BT amount or Rs 250, whichever is higher. |
| Rent Pay Transactions | 1% fee on transaction amount will be levied on rental transactions done on any applicable merchant from the 2nd transaction for the month |
Welcome Benefits
HDFC Regalia Gold Credit Card
- Gift Voucher of Rs 2500 ( once you have paid the joining fee)
- Club Vistara Silver Tier Membership & MMTBLACK Elite Membership ( on spends of Rs 1 Lakh within 90 days of the card issuance)
Eligibility Criteria
For Salaried Indian National
- Age: You should be minimum 21 years & maximum 60 years.
- Income: Your net monthly income should be greater than Rs 1 Lakh.
For Self-Employed Indian National
- Age: You should be minimum of 21 years & maximum of 65 years.
- Income: Your ITR should be greater than Rs 1 Lakh.
Rewards Programme
| Rewards Type | Spend Type | Reward Points Earned | Reward Rate |
|---|---|---|---|
| Regular Spends | Retail ( including Insurance, Utilities, Education) | 4 RP on every RS 150 spent | ~1.3% |
| Regular Spends | Grocery | 4 RP on every RS 150 spent | ~1.3% |
| Accelerated Spends | Retail | 20 RP on every RS 150 spent | ~6.7% |
5X Reward Points are applicable on spends at select merchants – Myntra, Nykaa, Reliance Digital, Marks & Spencers.
There are cappings with these earned rewards:
Cappings Info
- Grocery Spend: 2000 RP per calendar month.
- Insurance Spend: 2000 RP per day.
There are a few transactions that don’t earn you reward points. So, be careful when making these transactions:
We have gone through all the necessary and required information about reward points. But, there are some things that you should take note of:
- Reward points accrued will be reversed if a retail transaction is converted into SmartEMI.
- If the Credit Card is used for less than 365 days, the Reward Points accrued will be nullified.
Rewards Redemption
You can redeem your Reward Points on Smartbuy or Netbanking.
The standard or significant rewards Regalia Gold offers may need to be revised for a card in this particular category.
However, this is where SmartBuy proves to be advantageous. By utilizing SmartBuy for purchases made at the listed merchants, we can obtain accelerated rewards that enhance the overall reward rate.
The maximum reward points earned through SmartBuy on Regalia Gold are 4,000 points per calendar month and 2,000 points per day.
| Shopping Category | Rewards | Value at 1 RP = 50 Paise |
|---|---|---|
| IGP.com | 10X | 13.3% |
| Flights | 5X | 6.6% |
| Hotels | 10X | 13.3% |
| IRCTC | 3X | 3.9% |
| Redbus | 5X | 6.6% |
| Instant Voucher | up to 5X | 6.6% |
| Apple Tresor | up to 5X | 6.6% |
| Flipkart | up to 3X | 3.9% |
| Nykaa | 5X | 6.6% |
| MakeMyTrip | 10X | 13.3% |
HDFC Bank offers the opportunity to redeem items from its catalogue, make flight or hotel reservations, obtain gift vouchers, or even receive cash.
The distinct factor lies in the value provided for the rewards associated with these redemption alternatives.
| Redemption Option | Value of 1 RP |
|---|---|
| Rewards Catalogue (Including Vouchers) | up to 65 paisa |
| Smartbuy (Flights/Hotels) | up to 0.50 paisa |
| Airmiles – Intermiles, Singapore Airlines (Krisflyer), Club Vistara via Netbanking or SmartBuy | 0.50 Airmiles |
| Products and Vouchers via Netbanking or SmartBuy | 35 paisa |
| Redemption against the statement balance | 20 paisa |
The redemption of reward points for cashback against the statement balance will be limited to a maximum of 50,000 reward points per calendar month.
Smart Buy – Miles Transfer
| Miles Transfer | Value of 1 RP |
|---|---|
| Air Canada - Aeroplan | 0.33 points |
| Air Asia Rewards | 0.50 points |
| ALL – Accor Live Limitless | 0.50 points |
| Avianca LifeMiles | 0.50 points |
| Hainan Airlines Fortune Wings Club | 0.50 points |
| IHG One Rewards | 0.50 points |
| Lotusmiles Program | 0.50 points |
| Turkish Airlines Miles&Smiles | 0.50 points |
| United MileagePlus | 0.50 points |
| Wyndham Rewards | 0.50 points |
| British Airways Executive Club | 0.33 Avios |
| Etihad Guest | 0.33 miles |
| Finnair Plus | 0.50 points |
| Flying Blue | 0.50 Flying Blue Miles |
Milestone Benefits
The Regalia Gold outperforms the Regalia regarding milestone benefits, offering superior rewards for equivalent expenditure.
Complimentary Airport Lounge Access
| Airport Lounges | No of Visits (Per Year) | Network |
|---|---|---|
| Domestic | 12 | MasterCard, Visa, Rupay |
| International | 6 | Priority Pass |
Please remember when you access either the domestic or international terminals in India
- For Mastercard Cards, Rs.25 will be charged.
- For Visa and RuPay Cards, Rs.2 will be charged.
For international travel, you will get a complimentary membership Priority Pass worth $99.
You can apply for a Priority Pass card once you have completed 4 transactions on your credit card.
Good Food Trail Program
Experience incredible dining perks with the esteemed Good Food Trail initiative. Avail yourself of remarkable savings of up to 20% on all your restaurant expenditures through the renowned Swiggy Dineout platform, which boasts an extensive network of over 20,000 restaurants.
This exclusive offer contains restaurant and Swiggy discounts and applies solely to payments made via the Swiggy App.
Comprehensive Insurance Cover
Concierge Services
Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Regalia Gold Credit Card.
* Toll-free No: 1860 425 1188 (India)
* Email ID: [email protected]
Conclusion
In conclusion, the HDFC Regalia Gold Credit Card symbolises financial empowerment and luxury, catering to a broad spectrum of needs. We’ve delved into the details of its rewards, benefits, and exclusive privileges, showcasing how it can seamlessly fit into your lifestyle.
Whether you’re drawn to its impressive travel perks, gourmet dining experiences, or robust rewards program, this card has something for everyone.
So, seize the opportunity, unlock the benefits, and embark on a journey where your financial horizons are limitless. The HDFC Regalia Gold Credit Card could be your key to a more rewarding and enriched lifestyle.
Here’s to your financial success!👍🤞
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FAQs
What are the key benefits of the HDFC Regalia Gold Credit Card?
The HDFC Regalia Gold Credit Card offers a range of benefits, including travel rewards, dining privileges, and access to airport lounges. You can also earn reward points on your everyday spending, which can be redeemed for various exciting rewards.
How can I apply for the HDFC Regalia Gold Credit Card?
To apply for this card, visit the HDFC Bank website, complete the online application form, and provide the necessary documents. You can also visit a local branch or contact their customer service for assistance with the application process.
Can I use the Regalia Gold Credit Card internationally?
Yes, you can use the HDFC Regalia Gold Credit Card internationally. It’s widely accepted at most merchants and ATMs around the world. Just inform the bank about your travel plans to avoid any issues with international transactions.
What kind of travel benefits does the card offer?
The card provides complimentary airport lounge access, travel insurance coverage, and the ability to earn air miles. It’s an excellent choice for frequent travellers looking to make their journeys more comfortable and rewarding.
Can I convert my reward points into cash or statement credits?
Yes, you can convert your reward points earned with the Regalia Gold Credit Card into cash credits, which can be used to offset your card’s outstanding balance. This provides flexibility in how you use your rewards.
Are there any foreign transaction fees with this card?
Yes, there may be foreign transaction fees associated with using the card abroad. These fees can vary, so reviewing the card’s terms and conditions is essential to understand the specific charges.
