The HDFC Regalia Gold Credit Card is one of the most premium and feature-rich cards offered by HDFC Bank. Tailored to meet the needs of high-spending individuals, this credit card offers a wide array of benefits such as complimentary lounge access, travel rewards, and attractive reward points on retail purchases. In this article, we will explore all the features, benefits, and eligibility criteria of this card.
Table of Contents
Introduction
The HDFC Regalia Gold Credit Card is a luxurious offering for individuals looking for an elite experience. With exclusive rewards, complimentary lounge access, and premium benefits, this card is ideal for frequent travelers and high spenders. Whether you’re looking for cashback, travel perks, or lifestyle benefits, the HDFC Regalia Gold Credit Card delivers on all fronts.
Card Type
The HDFC Regalia Gold Credit Card is a travel and lifestyle credit card, specifically designed for premium users who wish to enhance their spending experience. This card offers a high reward rate and additional perks, making it a top choice for both business and leisure travelers.
Reward Points Structure
One of the highlights of the HDFC Regalia Gold Credit Card is its reward points system. Every transaction you make earns you valuable points that can be redeemed for various rewards.
4 Points per ₹150 Spent
For every ₹150 spent on retail purchases (except fuel), you earn 4 reward points. This includes spending on essential categories such as insurance, utilities, and education, making it a card that offers consistent rewards on everyday expenditures.
5X Reward Points on Partner Brands
Shopping at select partner brands such as Marks & Spencer, Myntra, Nykaa, and Reliance Digital gives you 5X reward points. This means you can rack up points faster, especially when shopping for electronics, fashion, and beauty products.
Key Features of HDFC Regalia Gold Credit Card
Welcome Benefits
When you sign up for the HDFC Regalia Gold Credit Card, you are welcomed with several benefits, including complimentary Swiggy One and MMT Black Gold memberships upon spending ₹1 lakh within 90 days of card issuance. From November 1, 2024, Swiggy One replaces the Club Vistara Silver Tier as part of the welcome package.
Quarterly and Annual Spend-Based Vouchers
If you spend ₹1.5 lakh in a quarter, you receive ₹1,500 worth of vouchers from brands like Marriott, Myntra, or Reliance Digital. Similarly, annual spending milestones of ₹5 lakh and ₹7.5 lakh offer ₹5,000 flight vouchers, ensuring your high spending pays off.
Information in Table Format
| Feature | Details | Real-Life Example |
|---|---|---|
| Card Type | Travel and lifestyle credit card, designed for premium users. | A frequent business traveler who needs benefits like lounge access and rewards on flight bookings. |
| Reward Points Structure | Earn 4 points per ₹150 spent on retail purchases (excluding fuel). | An individual spends ₹15,000 on groceries and utilities, earning 400 reward points. |
| 5X Reward Points on Partner Brands | Earn 5X points on partner brands like Marks & Spencer, Myntra, Nykaa, and Reliance Digital. | Someone shopping for electronics on Reliance Digital and earning 5X the points for every purchase. |
| Welcome Benefits | Complimentary Swiggy One and MMT Black Gold memberships after spending ₹1 lakh within 90 days. | After receiving the card, a new cardholder quickly earns membership benefits by purchasing a new laptop and mobile. |
| Quarterly Spend-Based Vouchers | Spend ₹1.5 lakh in a quarter to receive ₹1,500 vouchers from brands like Marriott, Myntra, or Reliance Digital. | A cardholder buys furniture and electronics, exceeding the quarterly spend threshold and receiving a Marriott voucher. |
| Annual Spend-Based Vouchers | Spend ₹5 lakh or ₹7.5 lakh annually to get ₹5,000 flight vouchers. | A family books international flights, reaching the annual spend limit, and uses the ₹5,000 voucher for their next vacation. |
| Domestic Lounge Access | 12 complimentary domestic lounge accesses annually at airports in India. | A traveler waits for their flight in comfort with complimentary lounge access at a busy airport in Mumbai. |
| International Lounge Access | 6 complimentary international lounge visits per year via Priority Pass membership. | During a long layover in Dubai, a cardholder enjoys free food and Wi-Fi at an international lounge. |
| Lost Card Liability | Zero liability for fraudulent transactions if the loss is reported immediately. | A cardholder loses their card but reports it in time, avoiding any charges for unauthorized use. |
| Foreign Currency Markup Fees | 2% foreign currency markup fee on international transactions, lower than most premium cards. | A cardholder saves on fees while shopping in the USA compared to higher foreign transaction charges on other cards. |
| Revolving Credit Option | Pay off balances over time with nominal interest rates. | A cardholder purchases a high-value item and opts to repay it over several months rather than in one go. |
| Concierge Services | 24/7 concierge services for travel bookings, dining reservations, and event access. | A cardholder uses concierge services to book a last-minute dinner reservation at a popular restaurant for an anniversary. |
| Smart EMI Facility | Convert large purchases into monthly installments. | A cardholder buys a high-end smartphone for ₹80,000 and converts it into manageable EMIs through the Smart EMI facility. |
| Contactless Payment Feature | Pay up to ₹5,000 without a PIN using contactless technology. | A cardholder quickly pays for groceries by tapping their card at the store checkout without entering their PIN. |
| Insurance Benefits | Includes ₹1 crore accidental air death cover and up to ₹15 lakh overseas hospitalization coverage. | A frequent traveler is reassured by the insurance benefits, knowing they are covered during international trips. |
| Reward Point Redemption | Redeem points for flights, hotel bookings, gift vouchers, and product purchases. 1 RP = ₹0.65 for premium brands, ₹0.5 for travel bookings. | A cardholder redeems accumulated points for a flight ticket to Goa, reducing their travel costs significantly. |
| Eligibility Criteria (Salaried) | Salaried individuals must have a minimum monthly income of ₹1 lakh and be between 21 to 60 years old. | A professional earning ₹1.2 lakh per month applies for the card to enjoy the lifestyle perks. |
| Eligibility Criteria (Self-Employed) | Self-employed individuals must have an annual ITR of ₹12 lakh or more and be aged between 21 to 65 years. | A self-employed consultant with a high income applies for the card to access its business and travel benefits. |
| Fees and Charges | Joining/renewal fee of ₹2,500 + taxes, waived off if annual spending exceeds ₹4 lakh. | A cardholder exceeds the ₹4 lakh annual spend and has the renewal fee waived, saving ₹2,500. |
| Activation Process | Set your PIN via IVR or Netbanking, and enable contactless and international transactions through the MyCards portal. | A new cardholder activates their card through Netbanking and begins using it for both domestic and international spending. |
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Complimentary Lounge Access
Domestic Lounge Access
The card offers 12 complimentary domestic lounge accesses annually, providing convenience and luxury for travelers at both domestic and international terminals within India. Simply swipe your card at the lounge to enjoy the complimentary access.
International Lounge Access (Priority Pass)
As a Priority Pass member, you and an add-on cardholder can access up to 6 complimentary international lounge visits per year. This is a great feature for frequent flyers, providing comfort during layovers.
Lost Card Liability
Losing a credit card can be stressful, but with the HDFC Regalia Gold Credit Card, you have zero lost card liability. Report the loss immediately through the 24-hour call center, and you will not be held responsible for any fraudulent transactions made after the report.
Foreign Currency Markup Fees
For those who frequently travel abroad, this card charges a 2% markup fee on all foreign currency transactions, which is lower than many other premium cards, making it cost-effective for international purchases.
Revolving Credit Option
The HDFC Regalia Gold Credit Card comes with a revolving credit facility, allowing cardholders to pay off their balances over time at a nominal interest rate. This is useful for managing large purchases without worrying about immediate full payments.
Concierge Services
The card offers 24/7 concierge services, providing assistance with travel bookings, dining reservations, and event access. Whether you need help booking a hotel or securing tickets to a concert, the concierge service is available for all cardholders.
Smart EMI Facility
Have a big purchase in mind? The Smart EMI option allows you to convert high-value transactions into easy-to-manage monthly installments. This feature adds flexibility to your spending without the burden of upfront payments.
Contactless Payment Feature
The HDFC Regalia Gold Credit Card is equipped with contactless payment technology, enabling quick and secure transactions at retail outlets. Payments up to ₹5,000 don’t require a PIN, making it a convenient way to pay for daily expenses.
Insurance Benefits
Accidental Air Death Cover
One of the standout features is the ₹1 crore accidental air death cover, providing peace of mind for you and your loved ones while traveling.
Emergency Overseas Hospitalization
In case of emergencies during international travel, the card offers up to ₹15 lakh in coverage for overseas hospitalization, ensuring that your health and safety are taken care of.
Reward Point Redemption
HDFC Regalia Gold Credit Card users can redeem their points through Smartbuy or Netbanking. The points can be used for flight and hotel bookings, gift vouchers, and even product purchases.
- 1 RP = ₹0.65 for premium brand redemptions
- 1 RP = ₹0.5 for travel bookings
This flexibility makes it easy to maximize the value of your rewards.
Eligibility Criteria
For Salaried Individuals
To be eligible for the HDFC Regalia Gold Credit Card, salaried applicants must have a minimum monthly income of ₹1 lakh, and the age requirement is between 21 to 60 years.
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For Self-Employed Individuals
Self-employed individuals must have an ITR of ₹12 lakh or more per annum and fall within the 21 to 65 years age range.
Fees and Charges
The HDFC Regalia Gold Credit Card comes with a joining and renewal fee of ₹2,500 + taxes. However, this fee can be waived off if you spend ₹4 lakh in an anniversary year.
Activation Process
To activate your card, you need to follow one of these methods:
- Set your PIN via IVR by calling 1860 266 0333 or through Net Banking.
- Enable contactless, online, and international transactions through the HDFC MyCards portal.
Failure to activate the card within 37 days may lead to its cancellation as per RBI guidelines.
Conclusion
The HDFC Regalia Gold Credit Card offers exceptional value for frequent travelers and high spenders. With exclusive reward points, complimentary lounge access, insurance benefits, and welcome offers, this card is a perfect blend of luxury and practicality. Whether you’re dining out, shopping online, or traveling abroad, the benefits are designed to enhance your lifestyle.
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FAQs about HDFC Regalia Gold Credit Card
1. What is the HDFC Regalia Gold Credit Card?
The HDFC Regalia Gold Credit Card is a premium travel and lifestyle credit card offered by HDFC Bank. It provides a host of benefits, including reward points on purchases, complimentary lounge access, concierge services, and insurance coverage. The card is ideal for frequent travelers and high spenders who are looking for luxury and added value in their daily spending.
2. What is the reward point structure of the HDFC Regalia Gold Credit Card?
The reward points structure includes:
- 4 reward points for every ₹150 spent on retail purchases, except for fuel.
- 5X reward points on purchases made at partner brands such as Marks & Spencer, Myntra, Nykaa, and Reliance Digital. These points can be redeemed for flight bookings, hotel stays, vouchers, or product purchases.
3. What are the welcome benefits of the HDFC Regalia Gold Credit Card?
New cardholders are welcomed with complimentary memberships, such as Swiggy One and MMT Black Gold, upon spending ₹1 lakh within the first 90 days of issuance. Additionally, Swiggy One replaces the Club Vistara Silver Tier membership from November 1, 2024, as part of the welcome package.
4. How can I earn additional rewards with this card?
Cardholders can earn extra rewards through quarterly and annual spending milestones. For example, spending ₹1.5 lakh in a quarter qualifies you for ₹1,500 worth of vouchers from brands like Marriott, Myntra, or Reliance Digital. Spending ₹5 lakh or ₹7.5 lakh annually provides ₹5,000 in flight vouchers.
5. How many complimentary lounge accesses are available with this card?
The card offers:
- Domestic Lounge Access: 12 complimentary domestic lounge visits per year at airports across India.
- International Lounge Access: 6 complimentary international lounge visits per year through the Priority Pass membership for both the cardholder and an add-on cardholder.
6. What is the foreign currency markup fee for the HDFC Regalia Gold Credit Card?
The card charges a 2% markup fee on all foreign currency transactions, making it a cost-effective choice for international travelers.
7. What are the insurance benefits provided by the HDFC Regalia Gold Credit Card?
The card comes with a comprehensive insurance package that includes:
- Accidental Air Death Cover: Coverage of up to ₹1 crore in case of accidental air death.
- Emergency Overseas Hospitalization: Coverage of up to ₹15 lakh for hospitalization during international travel.
8. What is the revolving credit option on this card?
The revolving credit facility allows cardholders to pay off their balances over time with interest. This feature is beneficial for managing large purchases by converting them into smaller, more manageable payments over several months.
9. What are the eligibility criteria for applying for the HDFC Regalia Gold Credit Card?
Eligibility requirements include:
- For Salaried Individuals: A minimum monthly income of ₹1 lakh and an age range of 21 to 60 years.
- For Self-Employed Individuals: A minimum annual ITR of ₹12 lakh and an age range of 21 to 65 years.
10. What are the fees and charges for the HDFC Regalia Gold Credit Card?
The card has a joining and renewal fee of ₹2,500 plus taxes. However, if you spend ₹4 lakh or more in an anniversary year, the renewal fee is waived.
11. How do I activate the HDFC Regalia Gold Credit Card?
To activate your card, you can:
- Set your PIN via IVR by calling 1860 266 0333 or through HDFC Netbanking.
- Activate contactless, online, and international transactions through the HDFC MyCards portal.
If the card is not activated within 37 days, it may be canceled as per RBI guidelines.
12. Can reward points be redeemed for travel bookings?
Yes, reward points earned with the HDFC Regalia Gold Credit Card can be redeemed for travel bookings, including flights and hotels. The redemption value is ₹0.65 per reward point for premium brands and ₹0.50 per reward point for travel-related bookings.
13. What is the contactless payment feature of this card?
The card supports contactless payments for transactions up to ₹5,000 without requiring a PIN. This feature allows for fast and secure payments at retail outlets that accept contactless transactions.