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HDFC Bank Regalia Credit Card
Reward Type
LifeStyle
Joining Fee
nil*
Annual Fee
nil
Currently not available! for similar products
Overview
HDFC Bank has many attractive credit card offers for its customers depending upon the type of card, the applicant’s age and income. HDFC credit cards provide customers with exclusive lifestyle benefits, travel and insurance benefits along with many other complimentary memberships, etc. Check out everything you need to know about the HDFC Bank Regalia Credit Card, a lifestyle credit card from HDFC Bank.
How To Apply For HDFC Credit Card?
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Features and Benefits of HDFC Bank Regalia Credit Card
The HDFC Bank Regalia Credit Card has numerous features and benefits like welcome gifts, reward points, lifestyle benefits, priority customer service, fuel surcharge waiver, travel and insurance benefits, etc. Given below are the details of such benefits that can be received by the credit card holder and the various privileges provided along with it.
Welcome Gifts
HDFC Bank Regalia Credit card holders receive complimentary gold membership of Zomato. Customers will get a complimentary dish on each visit to a Gold Partner Restaurant. The other welcome offer to choose is up to 2 complimentary drinks on every visit to a Gold Partner Restaurant. Customers have to achieve the minimum set transaction limit of Rs. 75,000 within 90 days of becoming a card holder. This limit is calculated within the first 90 days of holding the card or from the date of realization of the joining fees.
Rewards
The rewards scheme of this credit card is explained below
- 4 reward points for every retail transaction of minimum Rs. 150
- Customers can earn 10,000 reward points on annual transactions above Rs. 5,00,000.
- Additional 500 reward points can be earned by achieving the annual transaction limit of Rs. 8,00,000
- The redemption avenues of the credit card reward points is the through any of the following,
- Flight and Hotel Bookings
- Premium Products & Vouchers
- Curated Global Experiences
- Customers can redeem their reward points through flight tickets or hotel bookings for up to 70% of the booking value.
- Customers can also redeem the points through the exclusive travel portal for regalia customers at the following link
- offers[dot]smartbuy[dot]hdfcbank[dot]com>>regalia
- The reward points can be redeemed in the ratio of 1:0.5 i.e., 1 reward point is worth 50 paise at the above link.
Priority customer service
Customers can get priority customer service against this credit card. Customers can get the following facilities like
- Travel concierge available 24x7
- Toll free number for such service is 1800 425 1188
- Email address exclusive for Regalia customers is regalia[dot]support[at]smartbuyoffers[dot]co
Travel and Insurance benefits
Customers are also entitled to several travel as well as insurance benefits under this credit card. Customers can get up to 12 complimentary Airport Lounge access to partner airports across the globe within a year. The Visa customers will have to pay an additional transaction fee of Rs. 2 for lounge access whereas Mastercard holders will be charged Rs. 25 for authorization which will be subsequently reversed. The insurance cover under the card is as follows
- An air accidental cover of Rs. 1,00,00,000
- Emergency Overseas hospitalization of Rs. 15,00,000
- Credit liability cover up to Rs. 9,00,000
Additionally customers will also get a fuel surcharge waiver of 1% at all fuel station in the country for transaction value ranging from Rs. 400 to Rs. 5,000
Fees and Charges
The fees and charges applicable for this card are:
Particulars | Charge |
One time Joining Fees | Rs. 2,500 (excluding taxes) |
Renewal fees | Rs. 2,500 (excluding taxes) Renewal fees for the following year waived off in case of annual spending of Rs. 3,00,000 in the previous year. |
Interest | Free credit period of 50 days |
Additional Card fees | NIL |
Minimum Repayment Amount | 5% of the amount due or Rs. 200 |
Cash Advance Limit | 40% of the credit limit |
Cash Advance Charges | 2.5% of the amount withdrawn or Rs. 500, whichever is higher |
Charges on Overlimit account | 2.5% of the overlimit amount or Rs. 500 (Rs. 550 from 1st September 2020), whichever is higher |
Cash Processing Fees | Rs. 100 |
Railway ticket purchase fees | 1% of the transaction amount excluding taxes |
Fees for reissue of lost, damaged or stolen card | Rs. 100 |
Revolving Credit Charges | 3.6% per month |
Late Payment Charges
Balance Overdue | Late Payment Fees |
Amount due less than Rs. 100 | NIL |
Rs. 100 – Rs. 500 | Rs. 100 |
Rs. 501 – Rs. 5,000 | Rs. 500 |
Rs. 5,001 – Rs. 10,000 | Rs. 600 |
Rs. 10,001 – Rs. 25,000 | Rs. 800 |
Rs. 25,001 – Rs. 50,000 | Rs. 1,100 |
More than Rs. 50,000 | Rs. 1,300 |
Eligibility for HDFC Bank Regalia Credit Card
Customers can easily check their eligibility on this page. Additionally, when you apply with CreditMantri, we help in quick approval for your preferred credit card. HDFC Bank has set two fold criteria for customers to be eligible for this credit card. The details of the same are provided hereunder.
Criteria | Salaries Applicants | Self Employed Applicants |
Age |
|
|
Income | The net monthly income of the applicant has to be greater than Rs. 1,20,000 per month | The income as per the latest ITR has to be greater than Rs. 12,00,000 per annum |
Documents Required to Apply for HDFC Bank Regalia Credit Card
The documents required for this credit card are the basic KYC documents like identity proof and address proof of the applicant along with the income proof of the applicant that can validate the eligibility of the applicant at the time of verification process. Following is the list of documents that are needed by the bank as part of the application process.
Identity Proof
The applicant can submit any of the following documents as identity proof
Ration Card
Passport
Driving License, etc.
Address Proof
The applicant can submit any of the following documents as identity proof
PAN Card
Ration Card
Aadhaar Card
Passport
Voter Id
Driving License
Latest Utility Bills
Latest Rent agreement/ Lease Agreement/ Municipal Tax Receipt
Latest Bank Statement
Income Proof of the Applicant
The Income proof of the applicant can be verified by submitting any of the following documents in case of Salaried or Non-salaried applicants as the case may be
Form 16
Latest ITR
Latest Salary Slips (past 3 months)
Latest Bank Statements (past Three Months)
Recent Passport Size photographs
Application Process for HDFC Bank Regalia Credit Card
Customers can apply for this card by either personally visiting the bank or by applying online. The process for the same is highlighted below.
Physical Application
Customers will have to first visit the nearest branch and fill the application form available there. Bank executives can assist customers for the same. The documents needed have to be submitted along with the application to complete the application process. Post this the customer will be contacted by the bank in the event of being qualified for the same. Customers will get the credit card after paying the joining fees.
Online Application
The online application process for this card can be explained through the following steps.
- The first step is to visit the website of HDFC Bank and to click on the following link to start the application process.
Home Personal Cards Credit Cards Regalia
The link to ‘apply online’ is available at the bottom of the page after clicking on the above link.
- Customers will then be directed to a page wherein they will have to fill in their basic details like name, email id, mobile number, location (city) and annual income.
- Following this, customers will have to enter the Captcha code displayed on the screen and then click on ‘submit’.
- The executives of the Bank will contact the applicant if the applicant is found to be eligible for the card.
- The customer will be explained regarding the further formalities to be done to complete the application.
- After executing the same and successful verification of the documents that have been submitted along with the application from, the applicant will be issued the HDFC Bank Regalia Credit Card.
FAQs - HDFC Bank Regalia Credit Card
1. What are the renewal fees for this credit card?
The Renewal fees for this card are Rs. 2,500 excluding taxes.
2. What is the rate of GST applicable on this card?
The rate of GST applicable on this card is 18%.
3. What is the fuel surcharge waiver applicable on this credit card?
Customers get a fuel surcharge waiver of 1% across all fuel stations in India for transaction value of Rs. 400 - Rs. 5,000.
4. What is the email id for priority customer service for these credit card holders?
The email id for priority customer service to Regalia customer is regalia[dot]support[at]smartbuyoffers[dot]co
5. How many complimentary airport lounge access can be received by Regalia customers in a year?
Regalia credit card customers can get up to 12 complimentary airport lounge access across the globe within a year.
Latest & Update Hdfc Bank Regalia Credit Card News
HDFC Bank Updates Lounge Access for Regalia Credit Card: Lounge Access Program to be Based on Card Spends 3 Nov 2023
HDFC Bank has changed some rules for the Regalia Credit Card. As per the new rules, effective December 1st, 2023, users can get complimentary lounge access (at lounges within and outside India) only on reaching milestone spends of Rs. 1 lakh or more ...
Read moreHDFC Bank has changed some rules for the Regalia Credit Card. As per the new rules, effective December 1st, 2023, users can get complimentary lounge access (at lounges within and outside India) only on reaching milestone spends of Rs. 1 lakh or more in a calendar quarter (Jan-Mar, Apr-June, Jul-Sept, Oct-Dec) with their credit cards. After reaching the spends criteria, visit the Regalia SmartBuy page, navigate to lounge benefits, and then click lounge access voucher to access the lounge access program.
HDFC Bank Enhances the Reward points on the Smartbuy Proposition for Regalia and Diners Club Privilege Credit Cards.8 Feb 2022
As before the HDFC Bank has made certain justifications to Regalia and Diner privilege cards. Instead of Cashbacks on card swipes, the bank has moved to high point-based rewards. For instant vouchers, travel bookings ( flights, bus), and amazon shopp...
Read moreAs before the HDFC Bank has made certain justifications to Regalia and Diner privilege cards. Instead of Cashbacks on card swipes, the bank has moved to high point-based rewards. For instant vouchers, travel bookings ( flights, bus), and amazon shopping, the cashback of 5% is changed to 5x reward and 5.3% bonus point. For hotel booking, 5% cashback is changed to 10x reward points and 12.0% bonus value. For train, the cashback of 5% is reduced to 3x reward and 2.7% bonus value. But For Flipkart shopping, the bank doubles the reward to 3x and the bonus value to 2.7%. The cardholder can earn up to 4000 bonus points per month but not more than 2000 bonus values per day.