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HDFC Bank Regalia Credit Card

Apply HDFC Bank Regalia Credit Card

Annual Fee

nil

Reward Type

LifeStyle

Joining Fee

nil*

Currently not available! Check Eligibility for similar products

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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.

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 

  • Minimum 21 years
  • Maximum 60 years
  • Minimum 21 years
  • Maximum 65 years

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

PAN Card

Aadhaar Card

Passport

Voter Id

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.

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