Introduction
The HDFC Bank Regalia Credit Card is a premium offering designed for individuals who enjoy travel, shopping, and lifestyle experiences. This card is perfect for those seeking luxury benefits like airport lounge access, reward points, and global acceptance.
If you're looking for a card that blends rewards with exclusive privileges, the Regalia Credit Card is worth exploring. Let’s dive into its features, benefits, and application process.
Why Choose the HDFC Regalia Credit Card?
The HDFC Regalia Credit Card is a top-tier credit card packed with rewards and perks for both travelers and shoppers.
Key Features:
Reward Points: Earn 4 reward points for every ₹150 spent.
Global Lounge Access: Complimentary visits to airport lounges worldwide.
Low Foreign Currency Markup: Enjoy a reduced forex markup of 2% on international transactions.
Travel Insurance: Complimentary insurance coverage for air accident and medical emergencies.
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Benefits of the HDFC Regalia Credit Card
Feature | Details |
Annual Fee | ₹2,500 (waived on annual spends above ₹3,00,000). |
Reward Points | 4 reward points for every ₹150 spent. |
Lounge Access | 12 complimentary domestic lounge visits annually and 6 international lounge visits per year. |
Travel Insurance | Up to ₹1 crore air accident cover and ₹15 lakh medical emergency coverage. |
Dining Benefits | 5-15% discounts at partner restaurants through the HDFC Dining Program. |
Fuel Surcharge Waiver | 1% waiver on fuel transactions between ₹400 and ₹5,000. |
Pro Tip:
Leverage your reward points for flight and hotel bookings through the HDFC SmartBuy portal to maximize value.
Who Should Get the HDFC Regalia Credit Card?
The HDFC Regalia Credit Card is ideal for:
Frequent Travelers: Enjoy lounge access and travel insurance benefits.
Luxury Seekers: Avail exclusive dining discounts and lifestyle privileges.
High Spenders: Maximize reward points and waive annual fees with high spending.
How to Apply for the HDFC Regalia Credit Card
Applying for the HDFC Regalia Credit Card is simple and straightforward.
Step-by-Step Process:
Eligibility Check:
Salaried Individuals: Minimum monthly income of ₹1,00,000.
Self-Employed Individuals: Minimum annual income of ₹12,00,000.
Documents Required:
ID Proof: Aadhaar, PAN Card, or Passport.
Address Proof: Utility bill, Voter ID, or rental agreement.
Income Proof: Salary slips, Form 16, or ITR.
Online Application:
Visit the official HDFC Regalia Credit Card page here.
Fill in your details and upload the necessary documents.
Approval and Delivery:
Once approved, the card will be delivered within 7-10 working days.
HDFC Regalia Credit Card Reward Points System
The HDFC Regalia Credit Card offers one of the most rewarding points systems.
How to Earn Points:
Regular Spending: Earn 4 points for every ₹150 spent.
SmartBuy Platform: Earn up to 10X points for transactions on HDFC’s SmartBuy portal.
How to Redeem Points:
Redeem points for flight and hotel bookings.
Convert points to cashback (1 point = ₹0.50).
Use points to purchase products or vouchers on the rewards portal.
HDFC Regalia Credit Card vs. Other Premium Cards
Feature | HDFC Regalia Credit Card | HDFC Diners Club Black | SBI Elite Credit Card |
Annual Fee | ₹2,500 (waived on ₹3,00,000 spend) | ₹10,000 | ₹4,999 |
Reward Rate | 4 points per ₹150 spent | 5 points per ₹150 spent | 2 points per ₹100 spent |
Lounge Access | 6 international + 12 domestic | Unlimited lounge access globally | 6 international + 2 domestic |
Forex Markup | 2% | 1.99% | 1.99% |
Tips to Maximize Your HDFC Regalia Credit Card
Actionable Insights:
Book Travel Through SmartBuy: Earn 10X reward points for flight and hotel bookings.
Lounge Benefits: Utilize your complimentary lounge visits while traveling.
Plan Big Purchases: Use the card for major expenses to quickly accumulate reward points.
Track and Redeem Rewards: Regularly check your reward points balance and redeem them for maximum value.
FAQs About the HDFC Regalia Credit Card
1. What is the annual fee for the HDFC Regalia Credit Card?
The annual fee is ₹2,500, waived if you spend over ₹3,00,000 in a year.
2. What is the reward points redemption value?
Each point is worth ₹0.50 when redeemed for travel or cashback.
3. Does this card include insurance benefits?
Yes, the card offers air accident insurance up to ₹1 crore and medical emergency coverage of ₹15 lakh.
4. Can I use this card internationally?
Yes, the Regalia Credit Card is globally accepted and comes with a low forex markup of 2%.
Internal and External Links
Internal Link: Apply for HDFC Regalia Credit Card.
External Link: HDFC SmartBuy Portal.
Conclusion
The HDFC Regalia Credit Card offers a perfect blend of luxury, travel, and rewards, making it a standout choice for high-income earners and frequent travelers. With its premium benefits like lounge access, insurance coverage, and generous reward points system, the card ensures you make the most of your spending.
Don’t wait—apply now and unlock the world of exclusive privileges!
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