HDFC Regalia Gold Credit Card

The key highlights of HDFC Regalia Gold Card are given below:

HDFC Regalia Gold Credit Cards offers the following features and benefits:

Welcome Benefits

• Complimentary Club Vistara Silver Tier membership. 
• Complimentary MMT Black Elite membership.
• Both memberships are available on spending Rs. 1 Lakh and above within 90 days of card issuance. 
• Get a Gift Voucher equivalent to Rs. 2,500 on payment of joining fee.

Milestone Benefits

• Vouchers worth Rs. 1,500 on quarterly spends of Rs. 1.5 Lakh.
• Flight vouchers worth Rs. 5,000 on annual spends of Rs. 5 Lakhs. 
• Additional voucher worth Rs. 5,000 on annual spends of Rs. 7.5 Lakhs.

Reward Points

• 5x reward points on spending every Rs. 150 at Marks & Spencer, Myntra, Nykaa & Reliance Digital.
• 4 reward points on every Rs. 150 of retail spent including Insurance, Utilities and Education.
• Redeem reward points on Smartbuy or Netbanking.

Complimentary Airport Lounge Access within India

• 12 complimentary visits to 1,000+ lounges within India (at domestic as well as international terminals).
• Just swipe your card at the lounge to avail this benefit.
• Visits exceeding the complimentary quota and lounges not covered under the programme will be allowed at the discretion of the lounge and will be chargeable.

Priority Pass

• You can apply for a Priority Pass for self and add-on members after completing a minimum of 4 retail transactions on your Credit Card. 
• Using Priority Pass, primary cardholders and add-on members can together avail of up to 6 complimentary lounge visits outside India per calendar year. 
• On exceeding 6 complimentary visits, US $27 + GST will be charged per visit. 

Good Food Trail Program

• Amazing dining benefits under the Good Food Trail program.
• Up to 7.5% savings on all 20,000+ restaurant bill payments done via Swiggy Dineout.
• Offer includes restaurant & Swiggy discount. 
• Offer valid only on payments done with the Swiggy app.

Smart EMI

• Facility to convert your big spends into EMI after purchase.
• Repay conveniently over 6 to 48 months. 
• The loan is pre-approved so no documents are required.
• A processing fee of Rs. 499 + GST for all loan amounts is applied.
• Transactions over 60 days cannot be converted into EMI.

Contactless Payment

• HDFC Regalia Gold Card is enabled for contactless payments, enabling fast, convenient and secure payments at retail outlets. 
• Look for the contactless network symbol on your card to see if your card is contactless. 
• Payment through contactless mode is capped at a maximum of Rs. 5,000 for a single transaction. 
• If the amount is equal to or above Rs. 5,000, the cardholder has to enter the credit card PIN for security reasons.

Other Features

• Zero lost card liability in the unfortunate event of losing your card, by reporting it immediately to HDFC’s 24-hour call centre.
• Lowest Foreign Currency Markup of 2% on all your foreign currency spends.
• Revolving Credit on the card at the nominal interest rate.
• Regalia Gold Credit Card Limit can vary based on credit score and income level.
• Exclusive 24/7 concierge services. Simply call toll-free on 1860 425 1188 (India) or Email at regaliagold.support@smartbuyoffers.co.

Insurance/Comprehensive Protection 

• Accidental air death cover worth Rs. 1 Crore.
• Emergency overseas hospitalisation up to Rs. 15 Lakhs.
• Credit liability covers up to Rs. 9 Lakhs.

Renewal Fee Waiver

• Get the renewal membership fee of Rs. 2,500 waived off. 
• To avail of this benefit you have to spend Rs. 4 Lakhs and above in an anniversary year (12 billing cycles).

With the HDFC Regalia Gold Card, you will earn 4 reward points on spending every Rs. 150 on retail (including Insurance, Utilities and Education) and 20 reward points on spending every Rs.150 at Marks & Spencer, Myntra, Reliance Digital, and Nykaa.

You can redeem your accumulated reward points on Smartbuy or Netbanking against:

• Exclusive Gold Catalogue on select premium brands through Smartbuy at a value of 1 RP = Rs. 0.65.
• Flights & hotel bookings through Smartbuy at a value of 1 RP = Rs. 0.5.
• Airmiles conversion through Netbanking/ SmartBuy at a value of 1RP = Up to 0.5 airmiles.
• Products and vouchers through Netbanking/ SmartBuy at a value of 1 RP = Up to Rs. 0.35.
• The rewards redemption against the statement balance will be at the rate of 1 RP = Rs. 0.20.

Regalia Gold HDFC Card fees and charges are mentioned below in detail:

• Joining fee: Rs. 2,500 + applicable taxes.
• Annual fee: Rs. 2,500 + applicable taxes. 
• Joining & Annual Fees for Add-on card: Nil.
• Foreign currency markup: 2% of the transaction value.
• Overlimit penalty: 2.5% of the over-limit amount (minimum Rs. 550).
• Cash advance fee: 2.5% or Rs. 500, whichever is higher. 
• Payment return charges: 2% of the payment amount (minimum Rs. 450).
• Cash processing fee: Rs. 100 will be charged for all card payments in HDFC Bank branches or ATMs.
• Railway ticket purchase fee: 1% of the transaction amount + GST.
• Rewards redemption fee: Rs. 99 per redemption request.
• Late fees: Rs. 500 + GST (in case of non-payment/partial payment of EMI outstanding for Insta Jumbo loans).
• Late payment charges: Up to Rs. 1,300
• Balance transfer processing charges: 1% of the transfer amount or Rs. 250, whichever is higher.
• Auto EMI Conversion Charges: Applicable on transactions (excluding fuel, jewellery & gold) of Rs. 10,000 or more for a tenure of 9 months, at a 20% p.a. interest rate & Rs. 99 processing fee.
• Insta Loan, Jumbo Loan & Smart EMI processing fee: Up to Rs. 999 + GST. 
• EasyEMI processing fee: Up to Rs. 299 + GST.
• Insta Loan, Jumbo Loan & Smart EMI preclosure charges: Rs. 999.
• Smart EMI processing fee: Rs. 499 + GST
• Duplicate physical statement charges: Rs. 10 per duplicate physical statement.
• Finance charges for revolving credit & cash advances: 3.60% p.m. (43.20% p.a.).
• Pre-closure charges for Insta Loan, Jumbo Loan & Smart EMI: 3% of the principal outstanding.
• Rent pay transaction fee: 1% fee of transaction amount. 
• Card validation charges: Rs. 2.
• Reissuance of lost, stolen or damaged card: Rs. 100 
• Outstation cheque processing charge: Rs. 25 for cheque value up to Rs. 5,000 & Rs. 50 for above Rs. 5,000.
• Dynamic currency conversion markup fee: 1%.
• Goods & Services Tax (GST): Applicable on all fees, interest & charges. 
• TDS on cash withdrawals above Rs. 1 Crore: 2% on aggregate cash withdrawals exceeding Rs. 1 Crore.

Below are the Criteria for HDFC Regalia Gold Card eligibility:

For Salaried Indian National

• Age: Minimum 21 years and maximum 60 years.
• Net Monthly Income: More than Rs. 1,00,000.

For Self-employed Indian National

• Age: Minimum 21 years and maximum 65 years.
• Income: Income Tax Returns (ITR) of more than Rs. 12 Lakhs per annum.

If you get the HDFC regalia card online either through the official website of the bank or on our portal by following the steps given below:

• Check your eligibility for the Regalia Gold Credit Card.
• Go to the credit cards section and select your preferred card.
• Enter the required details.
• Upload your documents as required for completing the application.

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