HDFC Regalia Credit Card - Review and Features (2024)

HDFC Regalia Credit Card Features and Benefits

The HDFC Bank Regalia Credit Card is among the topmost offerings by the HDFC Bank and hence comes with several exclusive benefits across different categories, including travel, reward programs, movie & dining, and many more. To understand all its features in detail, keep reading the information given below:

Welcome Benefits

You get a welcome bonus of 2,500 Reward Points after the successful realization of the joining fee for the HDFC Bank Regalia Credit Card.

Milestone Benefits

• Assured 10,000 Reward Points on spending over Rs. 5 lakhs in the anniversary year under the card’s milestone spend benefits.
• An additional bonus of 5,000 Reward Points on spending over Rs. 8 lakhs in the anniversary year.

Domestic Lounge Access

You get complimentary access to the domestic airport lounges (airport lounges within India) 8 times every year (2 times every quarter) with this card. To get this benefit, you would need to spend Rs. 1 lakh in the preceding quarter. A calendar quarter is calculated as follows – Jan – Mar, Apr – June, Jul – Sept, and Oct – Dec.

Also, exceeding the complimentary lounge access quota will be allowed at the discretion of the lounge and will also be chargeable by the lounge.

International Lounge Access

• You get a complimentary Priority Pass membership with 6 complimentary lounge visits outside India. All the visits after the complimentary visits will be chargeable at US $27 per person per visit.
• As soon as you complete a minimum of 4 retail transactions using your premium Regalia credit card, you can apply for the priority pass membership for yourself and add-on members.

Dining Benefits

Enjoy great dining benefits with the Good Food Trail program. Get up to 20% off on partner restaurants via Swiggy Dineout only when the payment is made through the Swiggy application.

Insurance Benefits

Read more about insurance benefits on the HDFC Bank’s website. All the benefits mentioned above are subject to terms and conditions levied by the HDFC Bank; read all terms and conditions carefully.

Fuel Surcharge Waiver

Other than all the reward points and lounge access benefits, the Regalia HDFC card also provides various other advantages, such as a fuel surcharge waiver. A 1% fuel surcharge is waived at all fuel stations in India on all transactions between Rs. 400 and Rs. 5,000 done with the HDFC Regalia Card, capped at a maximum benefit of Rs. 500 per month.

Joining and Renewal Fee Waiver

The annual fee for the HDFC Regalia Card can be waived if you spent Rs. 3 lakhs or more in the previous year.

HDFC Regalia Card Reward Points

• On every retail spend of Rs. 150, you get 4 Reward Points. You will not earn any reward points on Fuel, EasyEMI, or loading transactions.
• Earn accelerated RPs on travel and shopping spends on the SmartBuy platform (10x RPs for hotel/bus ticket bookings, 5x points on shopping from Amazon, on flight booking through Cleartrip and EasemyTrip, Redbus and on Apple Imagine, and 3x points on shopping from Flipkart and Rail Tickets).
• Maximum accelerated reward points you can earn with Regalia are capped at 4,000 points per month.
• Insurance transactions are subject to capping of 2000 per day and grocery spends are capped at 2000 RPs per month.
• Reward points are not accrued on rental, property management, and government spends.
• The reward points expire after 2 years from the date of accumulation.
• If the transaction is converted to EMI, the reward points earned on that transaction will get reversed.
• If the card isn’t used for 1 year, all the reward points earned will get nullified.

HDFC Regalia Reward Points Redemption

The reward points can be redeemed on the Smartbuy portal or through Netbanking –

• 1 RP = Rs 0.5 for redemption against flights and hotel bookings,
• 1 RP = Rs 0.35 for redemption against products and vouchers,
• 1 RP = Rs 0.20 for cash backs, and Air miles conversion at a value of
• 1RP = 0.5 air mile for Airmiles conversion

Reward points redemption for hotel/flight bookings via Smartbuy is capped at 50000 RPs per month. Reward points redemption against the card statement balance is capped at 50000 RPs per month.

For select vouchers and products, you can redeem reward points for up to 70% of the value, and the remaining amount must be paid using your credit card. The HDFC Bank charges a reward redemption fee of Rs. 99 on every redemption request.

HDFC Regalia Credit Card Fees and Charges

The fees and charges associated with the HDFC Bank Regalia Credit Card are as follows:

• Joining Fee: HDFC Bank charges Rs. 2,500 (plus applicable taxes) as the joining fees for the HDFC Bank Regalia Credit Card.
• Annual Fee: HDFC Bank charges an annual fee of Rs. 2,500 (plus applicable taxes) for HDFC Bank Regalia Credit Card.
• Interest Rate: An interest rate of 3.6% per month (43.2% annually) is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
• Forex Mark-up Fee: A foreign currency mark-up fee of 2% (plus applicable taxes) of the transaction amount is applicable on all foreign currency transactions made with HDFC Bank Regalia Credit Card.
• Cash Advance Charges: A charge of 2.5% of the amount withdrawn or flat Rs. 500 (whichever is higher) is applicable on the cash advance transactions made on HDFC Bank Regalia Credit Card.

HDFC Regalia Credit Card Eligibility

Before applying for any card, it is really essential to check for its eligibility criteria so that your application doesn’t get rejected. The same should be followed with the Regalia Credit Card. The age and income eligibility criteria required in order to apply for the HDFC Bank Regalia Credit card are given below in the table:

Other than this, the bank may have some internal eligibility criteria, which would be considered while approving or rejecting your application for the Regalia credit card. For example, fulfilling only the age and income criteria won’t be enough, but you should also have a good credit history.

How To Apply For a Regalia Credit Card?

You can apply for a Regalia Credit Card online as well as offline according to your comfort. If you want to apply offline, you can simply visit your nearest branch with all the required documents and fill in the physical application form for a card. However, if you prefer online methods, you can follow a few simple steps as mentioned below:

• Click on the Apply Now button at the top of this page.
• You will be redirected to the official bank website.
• Fill in all the required details and upload the required documents in order to complete the process.

HDFC Regalia Credit Card Activation and PIN Generation

• The easiest way to generate a PIN for your card is to do it via Internet banking. You will easily find the option to generate or change your card’s PIN under the Manage your card section.
• Another way to activate your card is to do it via ATM. You can go to your nearest ATM and find an option to activate your card and generate its PIN from the main menu of the ATM.

How To Check HDFC Regalia Card Application Status?

To check your credit card application status online, you can simply visit the application tracking page of HDFC Bank. Enter your mobile number and any one of these: your application reference number, application form number, or date of birth. You will be able to see your application status on the screen in seconds.

If you don’t prefer online methods, you can do the same by visiting your nearest branch and asking the bank executives about the status of your HDFC Regalia Card application. It will be quite a time-consuming process, but they will provide you with the required information for sure.

HDFC Regalia Credit Card Limit

The Regalia Credit Card generally comes with a credit limit of Rs. 2 lakhs to Rs. 5 lakhs. You may get a lower credit limit in the beginning, but if you keep using your card regularly and responsibly, the card issuer will increase your credit limit after a certain period of time.

However, if you are not happy with the credit limit that you have with your Regalia credit card, you can ask your card issuer to give you a higher credit limit. The simplest way to get this done is to contact customer care and make them understand why you need a higher credit limit. The bank will definitely increase your limit if you are an eligible customer.

HDFC Regalia Login / Internet Banking

To register your HDFC Regalia credit card online for Internet banking, you will have to follow a few simple steps as mentioned below:

• Visit HDFC Bank’s official website.
• Scroll down, and under the section ‘Ways to Bank,’ click on Online Banking.
• Now, you will see an option, ‘Credit Card Net Banking.’
• Click on ‘Register Online.’
• Proceed further and fill in all the required details.

How To Block Regalia HDFC Credit Card?

In emergency situations, you might want to get your credit card blocked instantly. Keeping this in mind, HDFC Bank provides you with several ways to block your HDFC Regalia card, which are as follows:

• Log in to your credit card internet banking account and search for an option to block your card. You can find the option under credit card hostlisting. You will simply need to explain the reason for blocking your card, and you can get it blocked in seconds.
• You can also contact your credit card customer care and ask them to block your card. They will ask you a few questions and details in order to verify that it’s really you and will get your card blocked instantly.
• Another way to do it is to visit your nearest branch and ask the bank executives you block your card. However, you should always prefer the above two methods, but this method can work for people who don’t have access to the internet or mobiles.

HDFC Regalia Customer Care

Sometimes, you might want to connect to HDFC Regalia credit card customer care. To do so, you must be aware of how you can contact customer care in different ways. Following are a few of the easiest ways in which you can connect to HDFC Bank Credit Card customer care if you need any assistance:

• For any emergency assistance related to your HDFC Regalia Card, you can connect to customer care on their 24*7 helpline number, which is 1800 266 4332.
• If you prefer writing emails over calling someone, you can write and send your queries to [emailprotected].

Cards Similar To HDFC Regalia

Is This The Right Card For You?

Choosing the right credit card is not as easy as it seems to be. Sometimes, people randomly apply for a credit card without actually researching its features, fees & charges, etc, which is not a good decision at all. If you are thinking of applying for the Regalia Credit Card, you must have a reason for applying for this. Firstly, you must understand the categories where you spend the most and then look for cards that come with the maximum benefits in those categories. Even this is not enough; you should compare different credit cards after that and go with the one that seems to be the most suitable for you.

The HDFC Bank Regalia Card would be the right choice for you if you know how to use a credit card responsibly and you want cards that provide several benefits, including reward programs, travel privileges, movie & dining benefits, and many more, as mentioned above. You must make sure that you really need all these benefits because this is what you are paying an annual fee for.

Who Should Apply for the Credit Card?

Among the most premium cards in the country, the HDFC Bank Regalia is a popular card offering benefits and privileges across several spending categories. If you make regular transactions with your credit card, then you can earn lots of reward points with this credit card. If you travel frequently, then you can enjoy complimentary lounge access, low forex markup fee, and other exclusive perks on offer for cardholders.

If you are looking for more benefits than a similar joining fee, you can even look at the HDFC Diners Club range of cards that also provide great privileges to cardholders. Look at all the available options and choose the one that matches your spending habits.

Review

The HDFC Bank Regalia credit card is a stylish premium credit card that offers unique benefits and exciting travel offers. Talking about its features, the 2,500 reward points you get on joining can be used as Rs. 1,250 for travel/hotel bookings. Other than that, you keep earning these points on all your spends and can redeem them against products/categories of your choice.

Apart from reward offers, this card also provides other exclusive benefits like airport lounge access, dining benefits, fuel surcharge waiver, insurance benefits, etc. So, choosing the HDFC Regalia credit card will never be a mistake if it suits your requirements.

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