The HDFC Regalia Gold Credit Card is a premium lifestyle and travel credit card designed for affluent individuals who seek luxury privileges, accelerated rewards, and exclusive travel benefits. From complimentary Swiggy One and MMTBLACK Gold memberships to airport lounge access and milestone flight vouchers, the card enhances both everyday spending and international travel experiences. Cardholders earn 5 Reward Points for every ₹150 spent and enjoy accelerated rewards on premium brands through SmartBuy and partner merchants. With comprehensive insurance coverage and premium lifestyle benefits, this HDFC Credit Card delivers exceptional value for frequent travelers and high spenders.
Overview of HDFC Regalia Gold Credit Card
The HDFC Regalia Gold Credit Card combines premium rewards, luxury travel benefits, and exclusive memberships to provide a rewarding lifestyle experience.
| Feature | Details |
|---|---|
| Card Category | Premium Lifestyle & Travel Credit Card |
| Best For | Travel, Shopping, Dining & Rewards |
| Welcome Benefits | Swiggy One & MMTBLACK Gold Membership |
| Reward Rate | 5 Reward Points for every ₹150 spent |
| Accelerated Rewards | Up to 10X Rewards via SmartBuy and 5X Rewards on select brands |
| Milestone Benefits | Flight vouchers worth up to ₹10,000 annually |
| Lounge Access | Domestic and International Airport Lounge Access |
Eligibility Criteria for HDFC Regalia Gold Credit Card
Applicants must satisfy HDFC Bank’s income and age requirements before applying for the card.
- Salaried Individuals:
- Must be an Indian citizen.
- Age between 21 and 60 years.
- Government employees should have a net monthly income above ₹1,00,000.
- Non-government employees should have a net monthly income above ₹1,50,000.
- Self-Employed Individuals:
- Must be an Indian citizen.
- Age between 21 and 65 years.
- Annual Income Tax Return (ITR) should exceed ₹18 lakh.
- Approval is subject to HDFC Bank’s internal credit assessment and eligibility policies.
Also Read: HDFC Biz Black Credit Card
Documents Required for HDFC Regalia Gold Credit Card
Applicants should keep the following documents ready while applying for the card.
Identity Proof
- PAN Card
- Aadhaar Card
- Passport
- Voter ID
- Driving Licence
Address Proof
- Aadhaar Card
- Passport
- Utility Bills
- Rental Agreement
- Voter ID
Income Proof
- Latest Salary Slips
- Form 16
- Income Tax Returns (ITR)
- Recent Bank Statements
Photographs
- Recent passport-size photographs.
Fees and Charges for HDFC Regalia Gold Credit Card
Understanding the fee structure helps cardholders maximize the card’s premium benefits.
| Fee Type | Charges |
|---|---|
| Joining Fee | ₹2,500 + Applicable Taxes |
| Renewal Fee | ₹2,500 + Applicable Taxes |
| Renewal Fee Waiver | Spend ₹4 lakh in a membership year |
| Foreign Currency Markup | 2% |
| Interest-Free Credit Period | Up to 50 Days |
| SmartEMI Facility | Available as per HDFC Bank terms |
Steps to Apply for HDFC Regalia Gold Credit Card
Applying for the Regalia Gold Credit Card is simple and can be completed digitally.
Step 1: Visit the Official Website
Go to the HDFC Bank Regalia Gold Credit Card page.
Step 2: Verify Details
Enter your registered mobile number and validate using PAN or Date of Birth.
Step 3: Confirm Information
Review and verify your personal and employment details.
Step 4: Select the Card
Choose the HDFC Regalia Gold Credit Card from the available options.
Step 5: Upload Documents
Submit the required KYC and income documents.
Step 6: Complete Video KYC
Complete Video KYC if requested.
Step 7: Application Submission
Submit the application and wait for approval and card dispatch.
Track HDFC Regalia Gold Credit Card Application Status
Applicants can conveniently monitor their credit card application through HDFC Bank’s digital services.
- Visit the HDFC Bank Credit Card Tracking page.
- Enter your Application Reference Number or registered mobile number.
- Verify your identity using OTP.
- View your application status, including:
- Application Received
- Under Review
- Approved
- Card Dispatched
- Delivered
Existing HDFC Bank customers can also track the application through NetBanking under the Cards section.
Features and Benefits of HDFC Regalia Gold Credit Card
The Regalia Gold Credit Card offers premium travel, lifestyle, shopping, and security benefits.
Reward Points
- Earn 5 Reward Points for every ₹150 spent on retail purchases.
- Get accelerated rewards through partner merchants and SmartBuy.
SmartBuy Benefits
- Earn up to 10X Reward Points on flights and hotel bookings via SmartBuy.
- Enjoy 5X Reward Points on brands such as Myntra, Nykaa, and Reliance Digital.
Welcome Benefits
- Complimentary Swiggy One Membership.
- Complimentary MMTBLACK Gold Membership upon meeting spend criteria.
Airport Lounge Access
- 6 complimentary international lounge visits annually through Priority Pass.
- Up to 12 domestic lounge visits annually, subject to quarterly spending criteria.
Boarding Edge Program
Enjoy complimentary premium airport experiences, including:
- Airport Spa.
- Airport Transfers.
- Buffet Meals.
Up to two benefits are available every quarter.
Milestone Rewards
- ₹5,000 Flight Voucher on annual spends of ₹5 lakh.
- Additional ₹5,000 Flight Voucher on spends of ₹7.5 lakh.
- Quarterly vouchers worth ₹1,500 on eligible spending milestones.
Travel Insurance
Comprehensive insurance coverage includes:
- ₹1 crore Air Accidental Death Cover.
- ₹15 lakh Emergency Overseas Hospitalization.
- Credit Shield and Travel Protection benefits.
Dining Privileges
- Exclusive offers through SmartBuy Dining and partner merchants.
Fuel Benefits
- 1% fuel surcharge waiver on eligible transactions.
Contactless Payments
- Tap and Pay transactions up to ₹5,000 without PIN entry.
Security Features
- EMV Chip technology.
- Zero Lost Card Liability upon immediate reporting.
- Fraud protection and secure digital transactions.
MyCards Platform
Manage your card digitally through MyCards:
- PIN generation.
- Reward redemption.
- Card controls.
- Transaction tracking.
- E-statements.
How to Apply for HDFC Regalia Gold Credit Card
Follow these steps to apply for the HDFC Regalia Gold credit card easily :
1.Visit the HDFC Bank website.
2.Click on the “PAY” option in the menu.
3.Select “CARDS” from the dropdown and then choose “CREDIT CARD.”
4.Scroll down to find the “EVERYDAY REWARD CREDIT CARD” section.
5.Locate the HDFC Regalia Gold Credit Card in this section.
6.Click on “Apply Online” to start your application process.
This version is clear, structured, and easy to follow. Let me know if you need any changes!
HDFC Regalia Gold Credit Card Customer Care Number
HDFC Bank offers dedicated customer support for Regalia Gold cardholders.
| Service | Contact Details |
|---|---|
| Lost Card Reporting | 1800 1600 / 1800 2600 |
| Overseas Customer Support | 022-61606160 |
| SmartBuy Helpdesk | 1860 425 1188 |
| SmartBuy Email | regaliagold.support@smartbuyoffers.co |
| MyCards Platform | Digital card management |
| WhatsApp Banking & Chat | Available through HDFC Bank |
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