HDFC Regalia Credit Card: The HDFC Regalia Credit Card, credit card by HDFC Bank comes with various luxury rewards and basic travel benefits. This card is basically designed for the people who wants to earn reward points on their card purchases and are frequent travellers by offering complimentary lounge access every year along with a low forex markup fee.
This credit card gives you several advantages across different categories such as lifestyle, travel, and dining such as, free Airport Lounge Access not just in India but also outside, comes with great dining benefits, and 24X7 Concierge services and much more.
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HDFC Regalia Credit Card
1. Features and Benefits:
The HDFC Regalia Credit Card lets you save on your spends across multiple categories such as travelling, reward programs, movie & dining, and many more.
Here we have mentioned the features and benefits offered by the HDFC Regalia Credit Card:
- Welcome Benefits: You get a welcome bonus of 2,500 Reward Points after successful realization of the joining fee for the HDFC Bank Regalia Credit Card.
- Dining Benefits:Get up to 20% off on partner restaurants via Swiggy Dineout only when the payment is made through the Swiggy application.
- Milestone Benefit:Using HDFC Regalia Credit Card, you can earn upto 10,000 bonus reward points on spending Rs. 5 Lakh in an anniversary year and additional 5,000 reward points on spending Rs. 8 Lakh in an anniversary year.
- Fuel Surcharge Waiver: Cardholders will get a fuel surcharge waiver of 1%, at fuel pumps all over India between Rs. 400 to Rs. 5,000.
- Joining and Renewal Fee Waiver: if you spend Rs. 3 lakhs or more in the previous year, The annual fee for HDFC Regalia Card can be waived off.
- Zero Credit Card Lost Liability: In case, you lose your card you have no liability for any unauthorized purchases or any fraudulent transactions made with the card, and you have to report the same within 24 hours.
- Complimentary Lounge Access: 1. International Lounge Access: You get complimentary Priority Pass membership with 6 complimentary lounge visits outside India. All the visits post the complimentary visits will be chargeable at US $27 per person per visit, with one add-on member is also allowed with Priority Pass memberships. 2. Domestic Lounge Access: You get 12 complimentary visits to airport lounges per calendar year within India, at both domestic and international terminals (6 each) with exceeding the complimentary lounge access quota will be allowed at the discretion of lounge and will also be chargeable by the lounge.
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2. Fees and Charges:
- The joining fee for the HDFC Regalia Bank Credit Card- Rs. 2,500.
- The Annual fee or Renewal fee charges are- Rs. 2,500 (waived off on spending Rs. 3 lakh in a year).
- The Cash Withdrawal Fee, Rs. 500 or 2.5% of the withdrawn amount.
- On all the Foreign currency transaction, you have to pay forex fee of 2% on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
- An interest rate of 3.6% per month (43.2% annually) is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
- Late Payment Charges are- apart from the interest rate, a late payment fee shall also be applicable, For Statement Balance: Less than Rs. 100: Nil, Between Rs. 100 to Rs. 500: Rs. 100, Between Rs. 501 to Rs. 5,000: Rs. 500, Between Rs. 5,001 to Rs. 10,000: Rs. 600, Between Rs. 10,001 to Rs. 25,000: Rs 800, Between Rs. 25,001 to Rs. 50,000: Rs. 1,100, and for Above Rs. 50,000: Rs. 1,300.
3. Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for HDFC Regalia credit card are as follows:
- The age limit for applying for this card is 21-60 years of age for salaried employees and 18-65 years of age for Self-Employed Individuals.
- The cardholder should be an Indian resident.
- The cardholder should have a stable source of income either through salary i.e., should earn a minimum of Rs. 1 Lakhs annually or if self-employment i.e., should be filling an ITR of a minimum of Rs. 12 Lakhs annually.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License.
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
- For Income Proof, you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, if you are salaried, and if you are self-employed, you should submit your latest ITR.
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4. How to Apply for HDFC Regalia credit card:
For HDFC Regalia credit card you can apply either online or offline. For offline mode, you can visit your nearest HDFC Bank branch with all the required documents and fill out the physical application form.
Here are the steps to be followed to apply for your HDFC Regalia credit card:
- Step 1: Visit Official website of the HDFC Bank- www.hdfcbank.com
- Step 2: Click on ‘Apply Now’ option.
- Step 3: Then, you will be redirected to HDFC’s credit card application page according to their features.
- Step 4: Next, click on the ‘HDFC Regalia Credit Card’ option, under the category ‘Lifestyle’.
- Step 5: Click on ‘Apply Now’.
- Step 6: Enter your mobile number and captcha to start the application, and all the requested details and providing the required documents.
This the way in which you can apply for HDFC Regalia credit card online.
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