The HDFC Regalia Gold Credit Card is a premium card designed for lifestyle and travel use. It is ranked 7th by 1 Finance credit card scoring and ranking. The HDFC Regalia Gold card is best for frequent travellers. It offers various benefits and premium features.
In this article, we will learn details about the HDFC Regalia Gold credit card, benefits, eligibility, features, and more.
HDFC Regalia Gold Credit Card Key Highlights
The main highlights of the HDFC Regalia credit card are mentioned below:
| Joining Fee | Rs. 2500 + tax |
| Annual Charges | Rs. 2500 + tax
If you spend Rs. 4 lakhs in a year, your renewal charges will be waived off |
| Benefits | 12 lounge access in India
Rs. 1500 vouchers every 3 months on spending of Rs. 1.5 lakhs. Rs. 500 worth of vouchers on sending Rs. 5 lakhs annually. |
| Reward points | 4 reward points on Rs. 150 retail expenditure.
5x reward points on payments in designated stores. |
| Welcome benefits | Rs. 2500 gift voucher on joining fees + Swiggy One and MMT Black Gold membership |
| Foreign currency transaction fees | 2% of total transaction |
| Age | 21-65 years |
Key Features of HDFC Regalia Gold Credit Card
The main features of the HDFC Regalia Gold Credit card are mentioned below:
- Joining Fees and Annual Fees: During joining, you need to pay Rs. 2500 + GST as the joining fees. The annual fee is Rs. 2500 + GST. If you spend Rs. 4 lakhs within a year on a credit card, your annual charges will be waived off.
- Welcome Benefits: When you pay the joining fees for the HDFC Regalia Gold Credit Card, you will get a gift voucher worth Rs 2500. You will also get a Swiggy one and an MMT Black membership after spending 1 Lakh in the first 3 months.
- Reward Points: It offers amazing rewards to the users on every transaction and provides SmartBuy multipliers. You get 4 reward points on every purchase of Rs. 150. Also, 5x reward points are provided on spending at lifestyle brands.
- Categories not included: The card doesn’t provide any reward on fuel purchases, wallet reloads, or easyEMI conversion.
Eligibility for HDFC Regalia Gold Credit Card
The HDFC Regalia gold credit card is not available for everyone; you must fulfill the eligibility criteria to apply for the card.
- If you are a salaried person, your age must be between 21 and 60 years. Your minimum monthly earnings should be Rs. 1.5 lakhs.
- In case you are a self-employed person, your age must be between 21 and 65 years, and your ITR should be more than Rs. 18 Lakhs per year.
HDFC Regalia Gold Credit Card Reward Points
There are various HDFC regalia credit card reward points as mentioned below:
| Category | Details |
| Base Reward Points | 4 Reward Points for every ₹150 spent on all eligible retail purchases |
| Accelerated Reward Points | 20 Reward Points for every ₹150 spent at select brands |
| Partner Brands | Myntra, Marks & Spencer, Nykaa, Reliance Digital |
| Reward Points on Utilities, Insurance & Education | Eligible as per standard reward rate |
| Excluded Transactions | Fuel, wallet loading, rent payments, government transactions, cash advances (may not earn points) |
| Reward Points Validity | As per the HDFC Bank reward points policy |
| Best Redemption Option | SmartBuy flights & hotel bookings |
| Reward Point Value (SmartBuy) | Up to ₹0.50 per Reward Point |
| Merchandise & Catalog Redemption Value | Up to ₹0.60+ per Reward Point |
| Airline Miles Conversion | Approx. 0.5 airline miles per Reward Point |
| Statement Credit Value | ₹0.20 per Reward Point |
HDFC Regalia Gold Credit Card Fees & Charges
There are some fees that HDFC Regalia Gold Credit Card holders need to pay.
| Fee / Charge Type | Applicable Charges |
| Joining Fee | ₹2,500 + applicable taxes |
| Annual Fee | ₹2,500 + applicable taxes |
| Add-on Card Joining & Annual Fee | Nil |
| Foreign Currency Markup Fee | 2% of the transaction value |
| Dynamic Currency Conversion (DCC) Markup | 1% |
| Overlimit Penalty | 2.5% of the over-limit amount (minimum ₹550) |
| Cash Advance Fee | 2.5% of the transaction amount or ₹500 |
| Cash Processing Fee (HDFC Branch/ATM) | ₹100 per transaction |
| Payment Return Charges | 2% of the payment amount (minimum ₹450) |
| Late Payment Charges | Up to ₹1,300 |
| Late Fees (Insta Jumbo Loan EMI) | ₹500 + GST (for non/partial EMI payment) |
| Finance Charges (Revolving Credit & Cash Advance) | 3.60% per month (43.20% per annum) |
| Railway Ticket Purchase Fee | 1% of the transaction amount + GST |
| Reward Redemption Fee | ₹99 per redemption request |
| Balance Transfer Processing Charges | 1% of the transfer amount or ₹250 |
| Auto EMI Conversion Charges | 20% p.a. interest on eligible transactions (₹10,000+ for 9 months) + ₹99 processing fee |
| Insta Loan / Jumbo Loan / Smart EMI Processing Fee | Up to ₹999 + GST |
| EasyEMI Processing Fee | Up to ₹299 + GST |
| Smart EMI Processing Fee | ₹499 + GST |
| Pre-closure Charges (Insta Loan, Jumbo Loan & Smart EMI) | 3% of principal outstanding |
| Insta Loan / Jumbo Loan / Smart EMI Pre-closure Fee | ₹999 |
| Duplicate Physical Statement Charges | ₹10 per statement |
| Rent Pay Transaction Fee | 1% of transaction amount |
| Card Validation Charges | ₹2 |
| Reissuance of Lost/Stolen/Damaged Card | ₹100 |
| Outstation Cheque Processing Charges | ₹2 |
Lounge Access and Travel Benefits with HDFC Regalia Gold Credit Card
You will get 12 complimentary domestic and 6 international HDFC Regalia credit card lounge access per year. The card also offers travel insurance for up to Rs. 1 crore cover on air accidents and Rs. 15 lakh medical coverage. The card has no restrictions on spending to get the travel benefits.
HDFC Regalia Gold Credit Card Benefits on Milestone Benefits
When you spend Rs. 1.5 lakhs in each quarter from Marriott, Myntra, Marks & Spencer, and Reliance Digital, you will get Rs. 1500 worth of vouchers.
In a year, you will receive Rs. 5,000 worth of flight vouchers by spending Rs. 5 lakhs.
If you spend Rs. 7.5 lakhs in a year, you will get Rs. 5000 worth of flight vouchers additionally.
| You May Like to Read: How To Update KYC In HDFC Bank Online
Conclusion
The HDFC Regalia Gold credit card is a premium card offering various benefits to customers. You get the domestic and international airport lounge access along with various reward points on every purchase. It also offers milestone rewards for completing a particular number of purchases in a year or quarterly. It is best suited for frequent travellers.
HDFC Regalia Gold Credit Card – FAQs
What are HDFC Regalia gold credit card joining fees?
Ans. The joining fee for the HDFC regalia gold credit card is Rs. 2500 + GST.
Are there any annual fees that the users need to pay for the HDFC Regalia gold credit card?
Ans. Yes, you need to pay Rs. 2500+ GST as an annual charge, but if you spend Rs. 4 lakhs in a year, your annual charges will be waived off.
What are the ways to earn reward points on HDFS Regalia gold credit cards?
Ans. You will get a reward point on every purchase using your card. For every spending of Rs. 150, you get 20 reward points.
What should be the age of the applicant for the HDFC Regalia Gold credit card?
Ans. While applying for the HDFC regalia gold credit card, your age must be between 21 and 65 years.
What are the travel benefits offered by the HDFC Regalia Gold credit card?
Ans. You get international and domestic lounge access and various travel vouchers.