HDFC Regalia Credit Card

Using the HDFC Credit Card, you earn 4 reward points for every Rs. 150 you spend on things like insurance, utilities, rent, and education. You can then use these reward points for redemption on Smartbuy or Netbanking, and here's what they're worth:

With the HDFC Regalia Credit Card, you have the chance to earn up to 15,000 bonus reward points when you reach a certain spending milestone. Here are the specifics:

• You can earn 10,000 bonus reward points by spending Rs. 5 lakh in a single anniversary year.
• Additional, you can earn an extra 5,000 reward points by spending Rs. 8 lakh in the same anniversary year.

Also read: Best Rewards Credit Cards in India

With this credit card, you can access both international and domestic airport lounges as follows:

• You get 12 complimentary visits to airport lounges per calendar year within India, and these visits can be used at both domestic and international terminals, with 6 visits allowed for each.
• Additionally, you receive a complimentary Priority Pass membership, which grants you 6 free lounge visits in a calendar year, but these can only be used outside of India.
• Furthermore, you have the option to include one add-on member who can also enjoy the benefits of the Priority Pass membership.

*Cardholders who have completed a minimum of 4 retail transactions can apply for Priority Pass membership.

Note: After exceeding 6 complimentary visits, customers will be charged US $27 + GST per visit. Also, such transactions will not accrue reward points.

Also read: Best Credit Cards with Airport Lounge Access

Apart from the rewards and travel benefits, this credit card also offers a fuel surcharge waiver, insurance cover, a low foreign currency markup fee, and more.

• Fuel Savings: Get a 1% discount on fuel charges at all gas stations in India when your transaction amount falls between Rs. 400 and Rs. 5,000.
• Currency Exchange Perk: Benefit from a low 2% foreign currency fee when using your card for international transactions.
• Insurance Coverage: Enjoy extensive insurance coverage, including:
• Rs. 1 crore air accident death cover
• Rs. 15 lakh emergency overseas hospitalization cover
• Rs. 9 lakh credit liability cover
• Convenience Services: Access 24x7 concierge services to enhance your travel convenience.

Besides the above-mentioned benefits, HDFC Bank Regalia Credit Card comes along with zero lost card liability and allows contactless payments and a renewal fee waiver (on spending Rs. 3 Lakh in a year). Additionally, you can opt for the Smart EMI option to convert your big spends into EMI.

The fees and charges associated with HDFC Regalia Credit Card are mentioned in the table below:

The eligibility and documentation required for HDFC Regalia Credit Card are as follows:

The HDFC Regalia Credit Card is a popular premium card that's great for saving money on travel and shopping. It's especially good if you use your credit card a lot because you can earn valuable reward points. If you're someone who travels often, you'll love the free access to airport lounges and the low fee for international purchases.

However, it's important to know that for a similar annual fee, HDFC also offers the HDFC Bank Diners Club Privilege Credit Card, which comes with even more perks like free memberships, dining benefits, and golf access, among other lifestyle benefits. So, before you choose, make sure to see which card aligns better with your spending habits.

If you want to explore more cards that offer benefits similar to HDFC Regalia, here are a few cards to consider:

You have two options for applying for the HDFC Regalia Credit Card. You can do it online by visiting the bank's official website. If you prefer going in person, you can visit your nearest HDFC Bank branch and fill out an application form there. Additionally, you can also compare and apply for different credit cards at Mybankingtips to help you make a smarter choice.

Any Indian citizen who is at least 21 years old, whether they have a job or are self-employed, can apply for this credit card. However, they need to meet the income requirements and other specific conditions set by the card. For salaried individuals, the maximum age to apply is 60 years, and for self-employed individuals, it's 65 years.

Yes, if you withdraw cash using your HDFC Regalia Credit Card, the bank will charge you a fee of 2.5% of the amount you withdraw or a minimum of Rs. 500, whichever is greater. Because of this fee and the potential impact on your credit score, it's a good idea to avoid cash withdrawals with your credit card.

HDFC Regalia cardholders are eligible to apply for Priority Pass membership after making 4 retail transactions using their credit card. You can get this membership not only for yourself but also for any add-on cardholders. With Priority Pass membership, you can enjoy 6 free lounge visits every calendar year at lounges located outside of India.

To check your credit card statement online, simply visit HDFC Bank's official website. Log in to your account and navigate to the 'Cards' section, then choose the 'Enquire' option to access your statement. Additionally, you can also use the HDFC mobile banking app to download your statement.

Yes, HDFC Regalia is a favorable choice if you're looking for travel benefits. It provides advantages like a low forex markup fee, access to both international and domestic airport lounges, Priority Pass Membership, and a travel concierge service. If you're considering travel credit cards in India, it's a good idea to explore your options to determine the one that suits your needs best.

To request an online increase in your credit card limit, follow these steps: