HdFC Regalia Gold Credit Card

HDFC Bank Regalia Gold Credit Card is one of the renowned credit card offered by HDFC bank, it offers luxury lifestyle to its cardholders. The card comes with numbers of benefits like MMT Black and Swiggy One membership after making transaction of ₹1 lakh in first 90 days. The best part of this card is lounge access for both primary and add-on card holder. The reward point earned on this credit card can be redeem at various point like for flight/hotel booking, Airmiles transfer, Product and voucher booking and many more. please read below more in details about this credit card.

JOINING FEE
Rs. 2500+GST
RENEWAL FEE
Rs. 2500+GST
BENEFITS
12 complimentary Lounge access within India ( domestic & International terminal) and 6 International Lounge access.
REWARDS &CASHBACK
Rs.5000 Flight Voucher on achieving Annual Milestone.

Key Features & Benefits

Welcome Benefits

  • You will get voucher worth Rs.2500 after paying the joining fees and you will also get complimentary MMT black and Swiggy one membership after spend of ₹1 lakh in first 90days of card issuance.

Rewards Structure

  • You will earn 4 Reward Points on every Rs.150 retail spends including Insurance, Utilities and Education​.
  • You will earn 20 Reward Points on every Rs.150 retail spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa with maximum cap of 5000RP across all brands.
  • Reward point earn on Grocery transaction have capping of 2000RP per calendar month and reward point on insurance transaction have capping of 2000RP per day.
  • You will not going to earn any reward point on payment done at rent, packer & movers, Govt.Transaction.

Milestone Benefits

  • On spending ₹1.5 lakh in each quarter you will get ₹1500 worth of voucher from brands like Marriott, Myntra, Marks & Spencer or Reliance Digital.
  • Get ₹5000 worth of flight voucher on spending ₹5 lakh in anniversary year and you will get additional ₹5000 worth of voucher on spend of ₹7.5 lakh in anniversary year.

Airport Lounge

  • You will get 12 complimentary lounge access within India both domestic and International terminal in a year.
  • You will get 6 complimentary International lounge access in a year using priority pass for both primary and add-on card holder.

Spend Based Waiver

  • The annual fee of Rs.2500 is waived off if you have spent RS. 4 lakh in previous year.

Dining Benefits

  • You will get 7.5% savings on your restaurant bill payment via swiggy dineout.

Reward Redemption

  • you can redeem your RP for flight/hotel booking via smartbuy at value of 1RP = ₹0.5
  • you can convert your RP into Airmiles through netbanking or smartbuy at value of 1RP = 0.5airmiles.
  • you can redeem your RP for product and voucher through netbanking or smartbuy at value of 1RP = 0.35
  • The redemption against your statement balance will be 1RP = ₹0.2
  • you can redeem your RP for exclusive gold catalouge on smartbuy at value of 1RP = ₹0.65

Fees & Charges

Foreign Currency Markup

  • The card come with high foreign currency markup fee that is 2%+GST of total transaction amount. The charge 2% is not as high compare to other credit card which is having 3.5% of transaction amount.

Finance Charges & Cash withdrawal Fee

  • Interest rate is 3.75% per month.
  • Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.

Eligibility Criteria

  • For salaried class age should be 21 to 60 years and minimum monthly salary should be ₹1 lakh.
  • For self-employed age should be 21 to 65 years and minimum Annual Income shoule be ₹18 lakh.
  • Final Thoughts

HDFC Bank Regalia Credit Card is one of the most famous card in credit card industry, you get some of the best travel benefits and lifestyle with this credit card. It comes with joining and annual fee of ₹2500 and if you look into the benefits and reward it provide it is totally worth it, also if you spend ₹5 lakh in a year your annual fee will get waived off. Apart from reward and complimentary lounge access it also provide quarterly milestone benefits – ₹1500 worth of voucher and annual milestone benefits – ₹5000 worth of flight voucher. So overall if you look into this credit card this card provide often all necessary rewards and benefits for which the customer is looking for. comment below what do you like about this credit card and if you know another credit card which is even more better than this then let us know.

  • Frequently Asked Questions
What is the validity of reward point accumulated in HDFC Regalia gold credit card?

The accumulated reward point is valid for 2 years from the date of credition.

No, There is no spend criteria limit for lounge access but to get priority pass for International lounge access you have to make 4 transaction in a year to get eligible.

It majorly offer quarterly milestone benefits on spending ₹1.5 lakh – ₹1500 worth of voucher and annual milestone benefits on spending ₹5 lakh in year- ₹5000 worth of flight voucher

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