The HDFC Regalia Gold Credit Card offers an elevated lifestyle experience, designed to enhance your travel and shopping. Earn 4 reward points for every ₹150 spent, with a 5X points multiplier on select brands. Achieve spending milestones to unlock additional rewards, including vouchers and flight tickets. Comprehensive insurance coverage, complimentary airport lounge access, and exclusive dining discounts are also included.
A ₹2,500 joining fee unlocks a suite of premium benefits. Spend ₹100,000 within the first 90 days to receive complimentary MMT Black Elite and Club Vistara Silver Tier memberships.
Features
- INR 1500 vouchers on spending INR 1.5 Lakhs quarterly.
- INR 5000 flight ticket on spending INR 7.5 Lakhs.
- 4 Reward Points on every INR 150 spent, 5X on select purchases.
Welcome Offer
- On spending over INR 1 Lakh within 90 days of issuing the card, you’ll receive a free MMT Black Elite and Club Vistara Silver Tier membership.
- Get a gift voucher worth INR 2500.
Fees & Charges HDFC Regalia Gold Credit Card
Below mentioned are the fees and charges associated with this credit card:
| Title | Details |
| Joining Fee | Rs. 2500 |
| Annual Fee | 2500 |
| Finance Charges | 2 % p.m. (47.40% p.a.) |
| Late Payment Charges | For Statement Balance:
Up to Rs. 100 – Nil |
HDFC Regalia Gold Credit Card Eligibility Criteria
The applicant must meet the below eligibility criteria
| Criteria | Details |
| Occupation | Salaried or Self-employed |
| Minimum & Maximum age of the applicant | 21 to 60 years (or till retirement age) |
| Minimum Income Required | Rs. 150000 per month |
| ITR(For Non-Salaried Person) |
1200000 with Minimum Credit Score 750 |
** These criteria are only indicative. The bank reserves the right to approve or decline applications for credit cards.
HDFC Regalia Gold Credit Card
Unveil the world of luxury and exclusivity with the HDFC Regalia Gold Credit Card.
The HDFC Regalia Gold Credit Card offers unparalleled travel and lifestyle benefits, making it one of HDFC Bank’s most popular credit cards in India. Cardholders enjoy premium rewards and exclusive privileges designed to enhance their everyday experiences.
Earn 4 Reward Points for every ₹150 spent and 5x Reward Points on select premium brands including Nykaa, Reliance Digital, Myntra, and Marks & Spencer. Redeem accumulated Reward Points for flights, hotels, air miles transfers, exclusive merchandise, vouchers, or cashback.
The Regalia Gold Card also provides complimentary MMT Black Elite and Club Vistara Silver Tier memberships, granting access to premium travel benefits. Comprehensive travel and insurance coverage further enhances the card’s value proposition.
Experience a superior lifestyle with the comprehensive rewards and benefits offered by the HDFC Regalia Gold Credit Card.
Features & Benefits of HDFC Regalia Gold Credit Card
Being one of the best reward credit cards in India, this card offers various benefits in the form of discounts, shopping benefits, travel discounts, and more. Apart from this, a few other additional benefits redefine the spectrum for the users.
Milestone Benefits
Every card is incomplete until you have some milestone rewards as well. Being one of the best credit cards in India, it will offer you the following milestone-linked benefits:
- Earn vouchers worth ₹1,500 from Marriott, Myntra, Marks & Spencer, or Reliance Digital upon reaching quarterly spending of ₹1.5 Lakhs.
- Achieve an annual spending of ₹5 Lakhs and receive flight vouchers worth ₹5,000.
- Spend ₹7.5 Lakhs within an anniversary year and secure an additional ₹5,000 worth of flight vouchers.
Renewal Benefits
Upon renewing the Regalia Gold credit card, cardholders are entitled to exclusive benefits that enhance their spending power, provide premium rewards, and offer special privileges, ensuring continuous value and an enriched cardholder experience year after year.
- Spend INR 4 lakhs within the card anniversary year to get your renewal cost waived.
Dining Benefits
To make every dining or order a special experience, the card also offers a list of dining discounts. Under the exclusive HDFC dining program, you will be able to get the following benefits:
- Delight in splendid dining perks through the Good Food Trail program and save up to 7.5% savings on all your restaurant bill payments through Swiggy Dineout (available at 20k+ restaurants). The offer is valid only for payments made via the Swiggy App.
Insurance Benefits
The Regalia Gold credit card insurance benefit provides cardholders with a safety net for unforeseen circumstances. Whether it’s coverage for travel mishaps, health emergencies, or protection against unauthorized transactions, this benefit ensures peace of mind. Here are the ones to know:
- Secure an accidental air death cover worth INR 1 Crore.
- Be insured for emergency overseas hospitalization up to INR 15 lakhs.
- Protect yourself with a Lost Card Liability Cover worth up to INR 9 lakhs.
Additional Benefits
When you apply for the Regalia Gold credit card, you are ushered into enhanced financial privileges. The benefits vary, from comprehensive insurance covers to exclusive credit-linked perks. Here’s a glimpse into the key offerings:
- Get revolving credit at competitive interest rates.
- Avail of the facility to convert big-ticket purchases into easy EMIs.
- Exclusive round-the-clock Concierge Services.
- Enjoy a 2% reward rate on all your international spending.
- Benefit from zero liability on any fraudulent transactions made on your card.
HDFC Regalia Gold Credit Card Reward Linked Benefits
As a credit card user, you must be looking for an opportunity to have a card on which you can earn even when you are spending. Well, this is one such card for you. The benefits in the form of rewards or cashback that you can get on this card are as follows:
- For every INR 150 you spend in retail, you’ll get 4 reward points.
- For every INR 150 spent at M&S, Myntra, Nykaa, and Reliance Digital, you’ll receive 5X accelerated Reward Points.
Redemption Benefits
The Regalia Gold credit card boasts a robust Reward Points program that offers cardholders many redemption options that suit their lifestyle and preferences. Here’s a detailed breakdown of how you can redeem these Reward Points:
- Redeem on Smartbuy for exclusive shopping experiences with select premium brands at 1 RP = Rs 0.65.
- Book flights and hotels via Smartbuy at 1 RP = Rs 0.5.
- Convert Reward Points into Airmiles at up to 1RP = 0.5 Airmiles through Netbanking or SmartBuy.
- Choose from a wide range of products and vouchers with 1 RP = up to Rs 0.35 via Netbanking or SmartBuy.
- Offset your statement balance at 1 RP = Rs 0.20 conversion rate.
Lounge Benefits of HDFC Regalia Gold Credit Card
If you are looking to travel with comfort and have an amazing experience, then this is the perfect choice to make. With this card, you will get various travel-linked benefits, especially in terms of lounge access, as follows:
- Avail 12 complimentary lounge access in India at international and domestic terminals annually.
- With the Priority Pass feature, you and your additional cardholder can enjoy up to 6 complimentary international lounge accesses combined per calendar year, enhancing your travel experience outside India.
- Complimentary lounge access at 1000+ airports.
How to Redeem The HDFC Bank Regalia Gold Credit Card Reward Points?
The Rewards points to redeem on HDFC Regalia Gold Credit Card are very easy we can go to the official website of HDFC Bank, need to log in your credit card net banking profile, where we get rewards details, you can redeem your rewards in various modes to convert in cashback or amazon voucher and any other branded product voucher, here we explain about regalia gold credit card conversion rate
- Exclusive Gold Catalogue: 1 reward point = Rs. 0.65
- Flights and Hotel Bookings: 1 reward point = Rs. 0.50
- Airmile Conversion: 1 reward point = 0.5 Airmile
- Products and Voucher Purchase: 1 Reward = RS. 0.35
- Cashback/Statement Balance: 1 reward point = Rs. 0.20
Document Required for HDFC Regalia Gold Credit Card
If anyone applying for an HDFC Regalia credit card, you are eligible then, you have to need various mandatory documents to apply for Gold Credit Card from HDFC Bank, Like KYC, Income documents, Address Proof, and employment proof,
KYC Documents:- Pan Card, Adhar Card, and Photo
Proof of Identity:– Pan Card/Adhar Card/Passport/Driving license
Proof of Address:- Adhar Card/Driving license/Passport/Rent agreement, Ownership proof optional if required
Income Documents:- Salary Slip, Bank Statement, ITR for business Profile,
**Criteria are guidelines only. The bank reserves the right to approve or decline applications based on its policies.
Here are the steps to apply for the HDFC Regalia Gold Credit Card Online?
- To begin the application process, simply click on the “Apply Now” button located at the top of this page.
- You will be directed to HDFC Bank’s website.
- Provide essential details such as your name, email, phone number, PAN card, and more.
- Click on the Submit button.
- Once your application has been submitted to HDFC Bank, you will receive a confirmation message.
How to Check HDFC Regalia Gold Credit Card Application Status?
Here is the process to check your Application Status online, If you have applied for an HDFC regalia gold credit card and got a reference number or application number, then you can find your application status on HDFC Bank’s official website at hdfcbank.com. please follow bellow steps and get your application’s current status.
- Using your Credit Card Application Reference and Application Form Number
- Checking HDFC Credit Card Status via your Mobile Number
- Checking HDFC Credit Card Status via the Air Way Bill Number.
Note:- If you have any queries regards to HDFC Regalia Gold Credit Card, you may contact the helpline number
Toll-Free Number 1800 202 6161
Toll-Free Number 1860 267 6161
“Still thinking whether to get a HDFC Regalia Gold Credit Card? Before you go forth and conquer, let’s review the main benefits of it. From gift vouchers to the complimentary memberships, Smart buy platform and the Gold Catalogue offers unparalleled perks. With the possibility of a renewal fee waiver achievable through annual spending, it’s a good choice for those seeking the best HDFC bank credit card in India.