The HDFC Regalia Credit Card is a popular choice for individuals seeking premium benefits in travel, dining, and shopping. With an attractive rewards program and exclusive privileges, it has become one of the most sought-after credit cards in India. Whether you want to save on everyday spending or enjoy luxury perks, this card provides valuable benefits that suit a wide range of financial needs.
Key Features of the HDFC Regalia Credit Card
The HDFC Regalia Credit Card stands out because of its appealing features and benefits. Below are some of the most notable ones:
Welcome Benefits
New cardholders can enjoy an attractive welcome gift in the form of reward points credited to their accounts upon card activation. These reward points can later be redeemed for various benefits, including travel bookings and product purchases.
Reward Points Program
One of the key highlights of the HDFC Regalia Credit Card is its reward points system. For every ₹150 spent using the card, you earn reward points that can be accumulated and redeemed for travel, shopping, or other exciting offers.
- 4 reward points for every ₹150 spent on retail purchases.
- Accelerated reward points on travel bookings through the HDFC SmartBuy platform.
Travel Benefits
Frequent travelers can benefit from complimentary access to domestic and international airport lounges. This makes your travel experience more comfortable and relaxing. Additionally, the card provides a foreign currency markup fee of 2%, which is lower than many other credit cards.
Dining Privileges
The HDFC Regalia Credit Card offers significant discounts and cashback on dining at select partner restaurants across India. These benefits make your dining experiences more affordable and enjoyable.
Comprehensive Insurance Coverage
The card provides insurance benefits, including personal air accident cover and emergency overseas hospitalization coverage, giving you peace of mind while traveling.
Fuel Surcharge Waiver
Cardholders can enjoy a fuel surcharge waiver on transactions between ₹400 and ₹5,000, which helps save on fuel expenses.
Milestone Benefits
Achieve spending milestones to earn additional reward points or fee waivers. For instance, spending a specific amount within the year may qualify you for renewal fee waivers or other perks.
Online Utility Payments
With this card, paying utility bills is hassle-free. You can set up standing instructions to ensure timely payments while earning reward points.
Also Read: How to Apply for a Credit Card with Bank of India
Rewards and Redemption Options for HDFC Regalia Credit Card
The HDFC Regalia Credit Card offers a versatile rewards system, making it easy for users to redeem accumulated points.
- Redemption for Travel: Use your reward points to book flights or hotels through the HDFC SmartBuy platform. This option provides great value, especially for frequent travelers.
- Shopping Benefits: The reward points can also be used to shop for products and services through the HDFC rewards catalog. Choose from a wide range of options, including electronics, gift vouchers, and lifestyle products.
- Dining and Lifestyle Vouchers: Redeem points for dining or lifestyle vouchers to save on your favorite restaurants, spas, and more.
- Convert Reward Points to Air Miles: HDFC Regalia Credit Card reward points can be converted into air miles, allowing frequent flyers to enjoy further savings on flight tickets.
- Statement Credit: You also have the option to use your points to offset your credit card bill, making it easier to manage your finances.
Benefits of the HDFC Regalia Credit Card
- Flexibility in Spending: The HDFC Regalia Credit Card caters to various spending needs, whether it’s travel, dining, or shopping.
- Lower Forex Markup: With a 2% foreign currency markup fee, international transactions become more affordable.
- Wide Acceptance: The card is widely accepted at merchant outlets and online platforms, ensuring smooth transactions across the globe.
- Enhanced Security: The card is embedded with an EMV chip for enhanced security, protecting you against potential fraud.
- Ease of Management: Cardholders can easily track their spending, reward points, and payments through the HDFC credit card portal or mobile app.
Eligibility and Fees
- Eligibility: Applicants should meet the income criteria and be salaried or self-employed. A good credit score is also necessary to get approval.
- Fees: The HDFC Regalia Credit Card comes with an annual fee, which is waived if you meet the annual spending milestone.
How to Apply for the HDFC Regalia Credit Card
Applying for the HDFC Regalia Credit Card is simple. You can visit the HDFC Bank website, fill out the application form, and upload the required documents. Alternatively, you can apply by visiting the nearest HDFC Bank branch.
Make sure to check your eligibility and gather all necessary documents, such as proof of identity, address, and income, to expedite the application process.
Final Thoughts
The HDFC Regalia Credit Card is a great choice for individuals who want to enjoy premium benefits without breaking the bank. From earning reward points on everyday spending to gaining access to luxurious travel perks, the card provides value in numerous ways. If you are looking for a credit card that combines affordability with high-end features, the HDFC Regalia Credit Card might be the perfect match for your needs.
