HDFC Regalia Gold Credit Card is a premium offering designed for those who seek luxury and exclusive benefits. You can enjoy complimentary memberships, such as Swiggy One and MMT Black Elite, upon meeting specific spending criteria. Additionally, the card provides 12 complimentary domestic lounge accesses annually, ensuring your travels are comfortable and convenient.
Continue reading to learn more about the features and determine which best suits your needs
You can earn 4 Reward Points for every ₹150 you spend on all purchases. Additionally, when you shop at partner brands like Nykaa, Myntra, Marks & Spencer, and Reliance Digital, you can earn an impressive 20 Reward Points for every ₹150 spent.
HDFC Regalia Credit Card
The HDFC Regalia Credit Card provides rewards, travel perks, and access to airport lounges. It is tailored for individuals who frequently spend on travel, shopping, and dining.
Compare HDFC Regalia & Regalia Gold Credit Card
Let us look at the key features of the HDFC Gold Regalia and the HDFC Regalia Credit Card to help you choose the right one :
| Feature | HDFC Regalia Gold Credit Card | HDFC Regalia Credit Card |
|---|---|---|
| Reward Points | Earn 4 Reward Points per ₹150 spent on all categories. Accelerated 20 Reward Points per ₹150 spent at partner brands like Nykaa, Myntra, Marks & Spencer, and Reliance Digital. | Earn 4 Reward Points per ₹150 spent on all retail transactions. |
| Bonus Rewards | Quarterly: ₹1,500 worth vouchers on spending ₹1.5 lakh per quarter. Annual: ₹5,000 flight vouchers on spending ₹5 lakh annually; additional ₹5,000 flight vouchers on spending ₹7.5 lakh annually. | Annual: 10,000 Reward Points on spending ₹5 lakh in an anniversary year; additional 5,000 Reward Points on spending ₹8 lakh in the same period. |
| Welcome Benefits | Complimentary Club Vistara Silver Tier Membership. Complimentary MMT Black Elite Membership. Gift voucher worth ₹2,500 upon payment of joining fee. | 2,500 Reward Points as a welcome benefit upon payment of the joining fee. |
| Fuel Surcharge Waiver | Not specified. | 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations in India. |
| Contactless Payments | Enabled for contactless payments, facilitating fast, convenient, and secure transactions at retail outlets. | Enabled for contactless payments, facilitating fast, convenient, and secure transactions at retail outlets. |
| Lounge Access | 12 complimentary domestic lounge visits per year. Complimentary Priority Pass Membership with up to 6 complimentary international lounge visits per year upon completing 4 retail transactions. | 12 complimentary domestic lounge visits per year. Complimentary Priority Pass Membership with up to 6 complimentary international lounge visits per year upon completing 4 retail transactions. |
| Interest-Free Credit | Not specified. | Enjoy up to 50 days of interest-free credit from the date of purchase. |
| Foreign Transaction Fee | 2% on all foreign currency spends. | 2% on all foreign currency spends. |
| Lost Card Liability | Zero liability on any fraudulent transactions made on the card upon immediate reporting. | Zero liability on any fraudulent transactions made on the card upon immediate reporting. |
| EMI Conversion | Option to convert big spends into EMI after purchase. | Option to convert big spends into EMI after purchase. |
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Eligibility Criteria for HDFC Regalia Gold Credit Card
For Salaried (Non-Government Employees):
Age: 21 to 60 years
Minimum Monthly Income: ₹1,50,000
For Self-Employed (Non-Government Professionals & Business Owners):
Age: 21 to 65 years
Minimum Annual Income (as per ITR): ₹18 Lakhs
For Salaried (Government Employees):
Age: 21 to 60 years
Minimum Monthly Income: ₹1,00,000
HDFC Regalia Gold Credit Card Benefits
Let us look at the advantages that come with the HDFC Regalia Gold Credit Card:
- Complimentary Club Vistara Silver Tier and MakeMyTrip Black Elite Membership as a welcome perk.
- ₹2,500 gift voucher upon payment of the joining fee.
- Quarterly milestone rewards – Get ₹1,500 worth of vouchers on spending ₹1.5 lakh per quarter.
- Annual milestone rewards – Get ₹5,000 flight vouchers on spending ₹5 lakh annually and an additional ₹5,000 voucher on spending ₹7.5 lakh annually.
- Earn 4 Reward Points per ₹150 spent on all categories, including insurance, utilities, and education.
- Earn 20X Reward Points per ₹150 spent at partner brands like Nykaa, Myntra, Marks & Spencer, and Reliance Digital.
- Lounge access benefits – 12 complimentary domestic lounge visits per year and 6 complimentary international lounge visits per year via Priority Pass (after 4 retail transactions).
- Foreign transaction charges – 2% markup fee on all international spends.
- Zero lost card liability – No responsibility for fraudulent transactions if reported immediately.
- EMI conversion – Convert high-value transactions into easy EMIs.
- Contactless payments – Secure payments up to ₹5,000 without requiring a PIN.
- Insurance coverage – ₹1 crore accidental air death insurance, up to ₹15 lakh emergency medical coverage abroad, and credit liability cover up to ₹9 lakh.
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HDFC Regalia Gold Credit Card Fees
Let us look at the fees associated with the HDFC Regalia Gold credit card:
| Particulars | Amount |
|---|---|
| Joining Fee | ₹2,500 + Taxes |
| Annual Fee | ₹2,500 + Taxes |
| Finance Charges | 3.75% per month (45% per annum) |
| Cash Withdrawal Fee | 2.5% of the withdrawn amount or ₹500 (whichever is higher) |
| Rewards Redemption Fee | No charges (Nil) |
HDFC Regalia Gold Credit Card Late Payment Charges
| Statement Balance | Late Payment Fee |
|---|---|
| Up to ₹100 | No charges (Nil) |
| ₹101 to ₹500 | ₹100 |
| ₹501 to ₹1,000 | ₹500 |
| ₹1,001 to ₹5,000 | ₹600 |
| ₹5,001 to ₹10,000 | ₹750 |
| ₹10,001 to ₹25,000 | ₹900 |
| ₹25,001 to ₹50,000 | ₹1,100 |
| More than ₹50,000 | ₹1,300 |
Steps 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!
Credit Cards Similar to HDFC Regalia Gold
Exploring credit cards similar to HDFC Regalia Gold can help you discover competitive alternatives that offer comparable benefits, rewards, and the features customized to improve your spending experience:
Credit Card NameAnnual FeeRewardsIndusInd Bank Legend Credit CardNil
- 1 Reward Point per ₹100 spent on weekdays
- 2 Reward Points per ₹100 spent on weekends
- 4,000 bonus Reward Points on spending ₹6,00,000 or more within a year
SBI Card ELITE₹4,9995X Reward Points on dining, departmental stores, and grocery purchasesAxis Bank Privilege Credit Card₹1,50010 Reward Points per ₹200 spentICICI Bank Sapphiro Credit Card₹3,500Up to 4 PAYBACK Points for every ₹100 spentAxis Bank Select Credit Card₹3,00010 Axis EDGE Reward Points per ₹200 spent
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