HDFC Regalia Credit Card
The HDFC Regalia Credit Card provides reasonable rewards and fundamental travel advantages. But those who wish to accumulate reward points from their card transactions will benefit the most from it. Additionally, if you frequently travel, you can benefit from this credit card because it provides low-cost foreign exchange rates and free annual access to domestic and international lounges. This is the best choice if you frequently use your credit card and want to accumulate reward points for your purchases. The most suitable people for this card are those who travel regularly. If you want the best cashback, you can also prefer the HDFC Millennium Credit Card.To get more information click here.
Benefits of HDFC Regalia Credit Card.
~You will get access to 12 airport lounges domestically and 6 airport lounges internationally. (After 12 times, you have to pay Rs. 2200 for each.)
~Rs.150 in retail spend gets 4 reward points.
~Zero lost liability coverage (Credit liability coverage up to Rs. 9 lakh.)
~1% Fuel surcharge waiver (from Rs. 400 to Rs. 5000.)
~Get dining benefits of up to 25%.
~HDFC Regalia Credit Card holders are eligible for emergency foreign hospitalisation coverage of up to Rs. 15 lakh and air accident death coverage of Rs. 1 crore..
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Key Points/aspects of HDFC Regalia Credit Card.
~In an anniversary year, spend Rs.5 lakh or more to receive 10,000 reward points.
~Every time you eat out, you can receive a discount of up to 15% off the whole bill.
~Use your Regalia card to get rewards more quickly.
~Redeem your accumulated points for exciting presents and benefits that are only available to Regalia cardholders.
~Take an interest-free period of up to 50 days.
~Take a minimal 2% foreign exchange markup when using your card abroad.
~Spend Rs. 8 lakh or more to receive 15000 reward points.
HDFC Regalia Credit Card Reward Points.
1. For every Rs. 150 you spend with your card, you’ll get 4 reward points.
2. On an annual spending of Rs. 5 lakh, earn 10,000 reward points.
3. Earn 15,000 reward points when you spend Rs. 8 lakh annually.
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HDFC Regalia Credit Card Points Redemption.
Rewards points earned on regalia credit card expire within 2 years of accumulation.
# Visit the specific HDFC Regalia portal and select a redemption option from the list.
# On the HDFC Bank website or through NetBanking , you can also select from the alternatives provided under the ‘SmartBuy’ area.
# After choosing the voucher or prize and confirming your decision, the points are used.
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HDFC Regalia Credit Card Eligibility Terms.
Terms | SALARIED EMPLOYEES | SELF-EMPLOYMENT. |
AGE | 21 Years to 60 Years | 21 Years to 65 Years |
INCOME | Minimum 1 lakh INR Per Annum. | Minimum 12 lakh INR Per Annum. |
Documents Required For HDFC Regalia Credit Card.
~identity Proof – Aadhar Card, Voters Id, Driving License, Passport, PAN Card, etc.
~Address Proof – Ration Card, Aadhar Card, Utility Bills, Passport, Driving License, etc.
~Income Proof – Latest salary slips, latest bank statement, latest ITR, pension book, etc.
HDFC Regalia Credit Card Fees and Charges.
Joining Fees/Annual Fees. | Rs.2500 |
Annual % Rate | 43.2% |
Minimum Repayment Amount. | 5% |
Cash Withdrawal Fees. | 2.50% |
Card Replacement Fees. | Rs.100 |
Cash Advance Limit. | 40% |
Foreign Transaction Fee. | 2% |
Over Limit Penalty. | 2.50% |
Fuel Transaction Surcharge. | 2.50% |
Reward Point Value. | Rs 0.20 |
LATE PAYMENT CHARGES.
Balance below ₹100 Balance from ₹100 to ₹500 Balance from ₹501 to ₹5000 Balance from ₹5001 to ₹10000 Balance from ₹10001 to ₹25000
₹ 0 ₹ 100 ₹ 500 ₹ 600 ₹ 800
Balance from ₹25001 to ₹50000 Balance more than ₹50000
₹ 1100 ₹ 1300
How To Apply For HDFC Regalia Credit Card.
Use the steps below to apply for an HDFC Regalia credit card online:
~Select the “Regalia” card from the HDFC Bank website.
~The ‘Apply Online‘ button should be clicked.
~You’ll be taken to an online form after that. Include all necessary information, like name, phone number, email address, company name, monthly income, etc.
~’Submit’ should be clicked.
~Your registered cellphone number will ring or send you an SMS after HDFC has received your application.
FOR MORE TERMS AND CONDITION ~
The Way to block HDFC Regalia Credit Card
In an emergency, you might wish to immediately block your credit card. In light of this, the HDFC Bank offers you a number of options for blocking your HDFC Regalia card, including:
CUSTOMER CARE ~
PROS.
~Add-on card features are available.
~ Payment options are secure and convenient.
~ Low forex currency markup charge as compared to many other cards.
~ EMI options are available.
CONS.
~SmartEMI conversion is not allowed for transactions relating to gold or jewellery.
~Reward points are only redeemable for hotel and airline reservations.
~Purchases of fuel won’t lead to the accrual of reward points.
~.There will be a daily limit of 2,000 reward points for purchases made in the insurance industry.
Conclusion.
This card is specially designed for those who travel regularly and work nationally and internationally through airports.
The HDFC Bank Regalia credit card is a classy premium card with interesting perks and fascinating travel deals. Speaking about its advantages, the 2,500 reward points you receive when you sign up can be exchanged for Rs. 1,250 to book travel or lodging.
In addition to reward opportunities, this card offers additional premium features, including access to airport lounges, dining advantages, fuel surcharge waivers, insurance advantages, etc. Therefore, if an HDFC Regalia premium credit card fits your needs, selecting it will never be a mistake. If you only want cashback benefits, then you should also go with the HDFC Millennia Credit Card. Click the below button to see features and drawbacks.
Frequently Asked Questions
it’s almost about 2 Years.
No, the HDFC Bank Regalia Credit Card is not free. It comes with an annual fee of Rs. 2,500 spends.
The credit limit on the HDFC Bank Regalia credit card typically ranges from Rs. 2 to Rs. 5 lakhs.
Yes, you can use the HDFC Regalia Credit Card abroad. It also has a negligible 2% currency markup fee.
1 RP = Rs. 0.5 for redemption against flights and hotel bookings on HDFC Smartbuy website, 1 RP = up to Rs. 0.35 for redemption against products and vouchers, 1 RP = Rs 0.20 for cash, and Air miles conversion at a value of 1RP = 0.5 air mile.
If you’re interested in cashback, you can look at the Millennium credit card, but if you travel frequently for work and enjoy cashback, you might prefer the HDFC Regalia credit card.
CLICK THE BELOW BUTTON TO APPLY FOR HDFC REGALIA CREDIT CARD.
CLICK HERE TO SEE MORE TRAVEL AND CASHBACK CARDS.
NOTE~
The information given above is based 100% on research. Please conduct thorough research before selecting a credit card. We are not responsible if there is any loss caused by this information.