HDFC Regalia Credit Card

Numerous lifestyle and travel benefits come with the HDFC Bank Regalia credit card. Take advantage of the joining incentives, free lounge access, and other privileges offered by this credit card in areas like travel, dining, and shopping. But those who wish to accumulate reward points from their card transactions will benefit the most from it. Additionally, if you frequently travel, you can benefit from this credit card because it provides low-cost foreign exchange rates and free annual access to domestic and international lounges. This is the best choice if you frequently use a credit card and are interested in earning reward points for your purchases.

Your pass to unrivalled luxury and amazing encounters is the HDFC Regalia Card. HDFC Bank has ensured that you receive nothing fewer than the finest with this credit card. The design of this card is much ahead of its time and matches your exclusivity and absolute grandeur. As a result, this card is the top option among other cards in the time frame because to its best-in-class rewards programme. Using the HDFC Regalia Card, enjoy the best benefits and maximum luxury!

Features And Benefits Of HDFC Regalia Credit Card

HDFC Regalia Credit Card lets you save on your spends across multiple categories such as shopping, travel, and more. Apart from the premium benefits, you can also avail basic benefits like fuel surcharge waiver, insurance cover, and concierge service. Here are some of the major HDFC Regalia Credit Card benefits:

Welcome Benefits

• Make a transaction of ₹75,000 within the first 3 months and get a complimentary annual Zomato Pro Membership. Also, get exclusive complimentary Dine out Passport Membership with your Regalia credit card.
• You get a welcome bonus of 2,500 Reward Points after successful realization of the joining fee for the HDFC Bank Regalia Credit Card.

Premium Travel And Lifestyle Privileges

• Enjoy complimentary Priority Pass membership for free access to more than 1000 airport lounges worldwide.
• Members with add-on cards are also eligible for Priority Pass membership.
• Enjoy free access to 6 international lounges every year. (Primary card bearers and add-on members).
• Enjoy up to 12 complimentary lounge access both in domestic and international lounge access every calendar year under Visa and MasterCard Lounge Access Program.

Exclusive Dining Privileges

• Enjoy exclusive dining privileges at premium restaurants and complimentary delights along with savings each time you pay using the Regalia Credit Card HDFC.
• Get assured 25% off at 2000+ restaurants.
• Get 1+1 buffet at 200+ restaurants.
• You get early access to festivals and events like Gourmetlicious.

Complimentary Zomato Gold Membership

• Enjoy Zomato Gold membership for 1 year at no charge with your card. Also, enjoy up to 2 drinks at no extra fee when you dine at participating restaurants.
• Note: Zomato Gold membership is valid only for Regalia cards issued after 20 March 2019 and is limited to the primary cardholder.

Preferential Financial Benefits

• Enjoy the lowest foreign currency mark up of about 2% along with the Service Tax, on all foreign currency expenditures.
• Avail of a fuel surcharge waiver of 1% on a minimum transaction of ₹400, but this is for each statement cycle only.

Travel Concierge Services

• Enjoy the facility of customizing your travel and entertainment with the Travel Concierge Assistance.
• So, make airline reservations and book a hotel room or a movie ticket without worry.
• Also get a multilingual assistance for your convenience.

Comprehensive Protection

Get comprehensive insurance covers for various risks.

• In the case of death in an air accident, the nominee will receive a compensation of ₹1 Crore.
• Avail off protection against any medical emergency while traveling worth up to ₹15 lakhs.
• Also a card lost liability cover of ₹9 lakh.

Smart EMI

• Convert high transactions or credit card bills into EMIs.
• And you are free to choose a flexible tenure of 6 to 24 months for repayment.
• But for this you need to pay a processing fee of ₹999.

Contactless Payment

• Make an instant contactless payment at the Retail Outlets through the Regalia Credit Card HDFC.
• But you can make up to ₹5,000 payment from this HDFC Bank Credit Card.

Complimentary Lounge Access

This credit card grants you access to both foreign and domestic lounges. Here are some further details:

• 12 complimentary visits to airport lounges within India every calendar year, at both local and international terminals (6 each)
• Outside India, a complimentary Priority Pass membership with six gratis lounge visits per calendar year is provided.
• Priority Pass membership allows for one additional member.

*Priority Pass membership is available to cardholders who have completed at least four retail purchases.*

Taj Epicure Plus Membership

Your HDFC Regalia offers you a complimentary Taj Epicure Plus membership card which entitles you to enjoy exclusive benefits at Taj Hotels and Resorts. You just need to present the Epicure Plus card at the hotel counter in order to avail the exclusive membership benefits.

Enjoy Gold Level status of the Taj InnerCircle and earn Epicure points on your food and beverage spends at any of their participating restaurants in India. Earn 2.5 Epicure Points (1 Epicure point = Rs. 10) for every Rs. 100 spent on food and beverages at participating restaurants.

Earn 1 Taj Inner Circle Point for every Rs. 70 spent on room, laundry, telephone or business center during your stay at any Taj Hotel around the world (points are not accrued on tax spends). You can redeem these points for dining or holidays at the Taj or simply use them to settle your room bills. You also get very exclusive gift certificates and vouchers with your complimentary Taj Epicure membership. Do note that the renewal of Taj Epicure membership is solely at discretion of the Bank, and could be based on the frequency with which you use the facilities in the previous year. A new set of gift certificates will be dispatched to you on the successful renewal of your Taj Epicure membership.

Club Vistara Silver Membership

The HDFC Regalia card enables you to enjoy complimentary Club Vistara Silver Membership. Enjoy attractive benefits including:

• 6 Club Vistara (CV) points for every INR 100 spent on all Vistara Flights
• Additional 5 Kg Baggage allowance and priority airport check-in/boarding.

Renewal Benefits

• The renewal fee is waived off if you spend over Rs.3 lakh during the previous year.

With this HDFC Credit Card, you can earn 4 reward points on every Rs. 150 spent across retail spends including insurance, utilities, rent and education. You can redeem these reward points on Smart buy or Net banking, as per the following redemption value:

Flights and hotel bookings via Smartbuy	1 reward point = Rs. 0.5
Air Miles conversion through Netbanking	1 reward point = 0.5 air mile
Against products and vouchers via Netbanking or Smartbuy	1 reward point = Up to Rs. 0.35
Against cashback	1 reward point = Rs. 0.20

Up To 15,000 Reward Points As Milestone Benefit

Using HDFC Regalia Credit Card, you can earn up to 15,000 bonus reward points on achieving the spending milestone. Below mentioned are the details:

• 10,000 bonus reward points on spending Rs. 5 Lakh in an anniversary year.
• Additional 5,000 reward points on spending Rs. 8 Lakh in an anniversary year.
• On every retail spend of Rs. 150 spent, you get 4 Reward Points. You will not earn any reward points on Fuel, EasyEMI, wallet loading transactions.
• Earn accelerated RPs on travel and shopping spends on the SmartBuy platform (10x RPs for hotel/bus ticket bookings, 5x points on shopping from Amazon, on flight booking through Cleartrip and EasemyTrip, Redbus and on Apple Imagine and 3x points on shopping from Flipkart and Rail Tickets).
• Maximum accelerated reward points you can earn with Regalia are capped at 4,000 points per month.
• Reward points are not accrued on rental, property management, and government spends.
• The reward points expire after 2 years from the date of accumulation.
• If the transaction is converted to EMI, the reward points earned on that transaction would get reversed.
• If the card isn’t used for 1 year, all the reward points earned would get nullified.

HDFC Reward Point Redemption

Reward points earned on your Regalia card expire within 2 years of accumulation. You can redeem your existing points by following the steps below:

• Visit the dedicated HDFC Regalia portal and choose from the list of redemption options.
• Alternatively, you can also choose from the options listed under the ‘SmartBuy’ section on the HDFC Bank website or on NetBanking.
• Select the voucher/reward and confirm your selection, after which the points stand redeemed.
• Reward points redemption for hotel/flight bookings via Smartbuy is capped at 50000 RPs per month.
• Reward points redemption against card statement balance is capped at 50000 RPs per month.
• For select vouchers and products, you can redeem reward points for up to 70% value and the remaining amount must be paid using your credit card.
• The HDFC Bank charges a reward redemption fee of Rs. 99 on every redemption request.

Zero Liability Protection

Regalia HDFC Card comes with zero liability protection against a lost/stolen card, which means you are not liable for any fraudulent transactions done on a lost card if you notify the loss bank promptly.

Fuel Waiver

Aside from the reward points and lounge access privileges, the Regalia HDFC card also includes a fuel surcharge waiver. On all transactions between Rs. 400 and Rs. 5,000 made with the HDFC Regalia Card, a 1% fuel levy is waived at all petrol stations in India.

Interest-Free Credit Facility

Enjoy up to 50 days of interest-free credit from the date of purchase and manage your payments.

Revolving Credit

You can choose to pay only the minimum amount due and carry forward the balance amount to next month at an interest rate of 1.99% per month.

As an HDFC Regalia Credit Card customer, you can avail concierge services and customize your travel, entertainment, dining, event planning, itinerary planning and other reservations. Experience luxury, exclusive service privileges, and the best of business experience with HDFC’s Global Concierge Assistance with quick and efficient assistance whenever and wherever you need it.

Comprehensive Insurance

Your HDFC Regalia Credit card comes with comprehensive insurance cover against various risks like accidental death during air travel and overseas medical emergency/hospitalization cover – subject to terms and conditions. Air accident insurance cover is only activated if the tickets are purchased using HDFC Regalia credit card and the nominated kin are covered for Rs 1 crore. Comprehensive insurance cover is applicable only to the primary card holder.

Fees And Charges Of HDFC Regalia Credit Card

Some of the fees and charges associated with your card can be found below:

Types Of Fees Or Charges	Amount (Rs.)
Joining Fee	Rs. 2,500
Renewal Fee	Rs. 2,500
Minimum Repayment Account	5% or a maximum of Rs.200
Cash Withdrawal Fee	2.5% of the withdrawn amount (Minimum Rs.500)
Cash Advance Limit	40% of the credit limit
Rewards Redemption Fee	NIL
Add-on cards Charges	NIL
Foreign Currency Mark-up Fee	2%
Late Payment Charges	Less than Rs.100 – Nil Rs.100 to Rs.500 – Rs.100 Rs.501 to Rs.5,000 – Rs.500 Rs.5,001 to Rs.10,000 – Rs.600 Rs.10,001 and 25,000 – Rs.800 Rs.25,000 to Rs.50,000 – Rs.1,100 Over Rs.50,000 – Rs.1,300
Over- Limit Charges	2.5% of the over the limit amount (Min. of Rs.550)
Cash Processing Fee	Rs.100 per transaction
Payment Return Charges	2% of the payment amount (Minimum of Rs.450)
Card Re-insurance Charges	Rs.100 per instance
Duplicate Statement	Rs. 10

Eligibility For HDFC Regalia Credit Card

It is critical to review the eligibility criteria for any card before applying so that your application is not rejected. The Regalia Credit Card should be treated similarly. The age and income qualifying criteria for applying for the HDFC Bank Regalia card are listed in the table below:

Salaried Persons	Age: 21 years to 60 Years Income: Minimum Rs. 70,000 per month
Self-Employed Persons	Age: 21 years to 65 Years Income: Minimum Rs. 8,40,000 per annum (as per ITR)

Aside from that, the bank may have some internal eligibility criteria that it would evaluate when approving or denying your Regalia credit card application. For example, meeting merely the age and income requirements will not suffice; you must also have a strong credit history.

Documents Required For HDFC Regalia Credit Card

• Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
   
• Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government approved address proof.
   
• Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.

Should You Get HDFC Regalia Credit Card?

HDFC Regalia Credit Card is one of the popular premium credit cards available in the market. The card offers multiple benefits, but primarily lets you save more on travel, and retail spends. This is a good option if you spend a lot via credit card as you can earn good reward points. Additionally, if you are a frequent traveller, then you can make the most of the benefits offered. With this credit card, you can avail complimentary international as well as domestic lounge access every year along with a low forex markup fee. Overall, HDFC Regalia Card is an ideal option if you want to avail premium benefits and are ready to pay a high annual fee.

However, you must note that, at a similar annual fee, the bank also offers HDFC Bank Diners Club privilege card that offers extensive and additional benefits than Regalia with features like complimentary memberships, dining benefits, and golf access among other lifestyle benefits. Thereby, before opting you must check which of these cards can better match your spending patterns.

HDFC Regalia Credit Card Limit

The Regalia Credit Card generally comes with a credit limit of Rs. 2 lakhs to Rs. 5 lakhs. You may get a lower credit limit in the beginning but if you keep using your card regularly and responsibly, the card issuer will increase your credit limit after a certain period of time.

However, if you are not happy with the credit limit that you have got with your Regalia credit card, you can ask your card issuer to give you a higher credit limit. The simplest way to get this done is to contact customer care and make them understand why you need a higher credit limit. The bank will definitely increase your limit if you would be an eligible customer.

How To Apply For HDFC Regalia Credit Card

You can apply for the Regalia Credit Card both online and offline, depending on your preference. If you prefer to apply offline, simply bring all essential documents to your nearest branch and fill out a physical application form for a card. However, if you prefer online means, you can do so by following the steps outlined below:

Step 1: Visit the official website of HDFC Bank.

Step 2: Click on the ‘Credit Cards’ option under the ‘Borrow’ column.

Step 3: You will be taken to a page that categorizes all HDFC credit cards based on their features.

Step 4: The HDFC Regalia Credit Card can be found under the category ‘Lifestyle.’

Step 5: Select ‘Apply Now.’

Step 6: To begin using the app, enter your cell phone number and captcha.

Step 7: To finish the process, enter all of the essential information and upload the required documents.

If you wish to apply for the HDFC Regalia Credit Card offline, here’s what you need to do:

• Visit the HDFC Bank branch that is closest to you
• Fill out the application form for the credit card 
• Provide necessary documents 
• Once the submitted application is approved, you will receive your HDFC Regalia Credit Card

Kindly Note: HDFC Bank credit cards, including the HDFC Bank Regalia credit card, are not available on the Bajaj Markets website.

HDFC Regalia Credit Card Activation And PIN Generation

• The easiest way to generate a PIN for your card is to do it via internet banking. You will easily find the option to generate or change your card’s PIN under the section Manage your card.
• Another way to activate your card is to do it via ATM. You can go to your nearest ATM and find an option to activate your card and generate its PIN from the main menu of the ATM.

How To Check HDFC Regalia Credit Card Application Status?

o check your credit card application status online, you can simply visit the application tracking page of HDFC Bank. Enter your mobile number and any one of these: your application reference number, application form number, or date of birth. You will be able to see your application status on the screen in seconds.

If you don’t prefer online methods, you can do the same by visiting your nearest branch and asking the bank executives about the status of your HDFC Regalia Card application. It will be quite a time-taking process, but they will provide you with the required information for sure.

HDFC Regalia Credit Card Bill Payment

There are a lot of ways in which you can pay your HDFC Regalia Credit Card bill and the following are a few of them:

• Log in to your internet banking account and click on the option ‘Credit Card payment’ under the section credit card. This is one of the simplest ways to pay your card bill, provided that you have access to the internet and mobile.
• the HDFC bank mobile app also provides you with an option to make your credit card bill payment. You can simply find the option of credit cards under the section ‘Pay’ and make the payment successfully.
• The HDFC Bank bill desk portal is also an easy and quick option to pay your HDFC Regalia card bill.
• If you are having a savings account in a bank other than the HDFC bank, you can make the payment via NEFT by entering your credit card number as the account number.
• If you use wallet-based apps like Paytm, PhonePe, etc, you can pay your credit card bill through them.
• Other than all these online methods, there are a few offline methods as well, which include paying the credit card bill via ATM, via Cheque, or Cash by visiting the branch.

HDFC Regalia Login/ Internet Banking

To register your HDFC Regalia credit card online for internet banking, you will have to follow a few simple steps as mentioned below:

• Visit the HDFC Bank’s official website.
• Scroll down and under the section, ‘Ways to Bank,’ click on Online Banking.
• Now, you will see an option ‘Credit Card Net Banking.’
• Click on ‘Register Online.’
• Proceed further and fill in all the required details.

How To Block HDFC Regalia Credit Card?

In emergency situations, you might want to get your credit card blocked instantly. Keeping this in mind, the HDFC Bank provides you with several ways to block your HDFC Regalia card, which are as follows:

• Log in to your credit card internet banking account and search for an option to block your card. You can find the option under credit card hostlisting. You will simply need to explain the reason for blocking your card and you can get it blocked in seconds.
• You can also contact your credit card customer care and ask them to block your card. They will ask you a few questions and details in order to verify that it’s really you and will get your card blocked instantly.
• Another way to do it is to visit your nearest branch and ask the bank executives you block your card. However, you should always prefer the above two methods, but this method can work for people who don’t have access to the internet or mobiles.

HDFC Regalia Credit Card Statement

Download HDFC Credit Card Statement, so you can keep a tab of all the expenditures done by the card bearer using the Regalia Credit Card HDFC and the repayments done against them. This statement functions as a journal where all the transactions are recorded for future reference and for the cardholder to look back at, anytime and anywhere. This allows access to all the key details pertaining to the transactions made.

Cards Similar To HDFC Regalia Credit Card

Benefits	HDFC Regalia Credit Card	HDFC Regalia First Credit Card	HDFC MoneyBack Credit Card
Annual Fee	Rs. 2,500	Rs. 1,000	Rs. 500
Rewards Rate	4 Reward Points on every spend of Rs. 150	4 Reward Points on every spend of Rs. 150	4 Reward Points on every Rs. 150 spent online 2 Reward Points on every Rs. 150 spent offline
Reward Redemption	1 RP = Re. 0.20 for redemption against cashback 1 RP = Re. 0.35 for redemption against products and gift vouchers 1 RP = Re. 0.50 for redemption against flight/hotel bookings	1 RP = Re. 0.15 for redemption against cashback 1 RP = Re. 0.25 for redemption against products and gift vouchers 1 RP = Re. 0.30 for redemption against flight/hotel bookings	1 RP = Re. 0.20 for redemption against cashback 1 RP = Re. 0.25 for redemption against products and gift vouchers 1 RP = Re. 0.20 for redemption against flight/hotel bookings
Additional Benefits	Complimentary domestic (12 per year) and international lounge (6 per year) access every year. Up to 15,000 bonus Reward Points every year on achieving the spend milestone. Complimentary dine-out passport membership.	Complimentary domestic (8 per year) and international lounge (3 per year) access every year. Up to 7,500 bonus Reward Points every year on achieving the spend milestone.	Gift vouchers worth up to Rs. 2,000 under the milestone benefits.

If you want to explore more cards that offer benefits similar to HDFC Regalia, here are a few cards to consider:

Credit Card	Annual Fee	Key Feature
Axis Bank Privilege Credit Card	Rs. 1,500	10 points on every Rs. 200 spent via this credit card
IndusInd Bank Legend Credit Card	Nil	2 reward points for every Rs. 100 spent on weekends
ICICI Bank Sapphiro Credit Card	Rs. 3,500	Up to 4 PAYBACK points on every Rs. 100 spent
SBI Card ELITE	Rs. 4,999	5X reward points on dining, departmental stores and grocery spends
Axis Bank Select Credit Card	Rs. 3,000	10 Axis EDGE reward points on every Rs. 200 spent

Is This Card Right For You?

Choosing the right credit card is not so easy as it seems to be. Sometimes people randomly apply for a credit card without actually doing research on its features, fees & charges, etc, which is not a good decision at all. If you are thinking of applying for the Regalia Credit Card, you must have a reason why you are applying for this. Firstly, you must understand what are the categories where you spend the most and then look for cards that come with the maximum benefits in those categories. Even this is not enough, but you should compare different credit cards after that and go with the one that seems to be the most suitable for you.

The HDFC Bank Regalia Card would be the right choice for you if you know how to use a credit card responsibly and you want cards that provide several benefits, including reward programs, travel privileges, movie & dining benefits, and many more as mentioned above. You must make sure that you really need all these benefits because this is what you are paying an annual fee for.

HDFC Regalia Credit Card Vs. HDFC Business Regalia Credit Card

Categories	HDFC Regalia Credit Card	HDFC Business Regalia Credit Card
Joining Fees	Rs. 2,500	Rs. 2,500
Editor’s Rating	4	4
Key Features	Airport Lounge Access within and outside India Experience unique delicacies through Good Food Trail dining program at premium restaurants across top cities. On retail spends including Insurance, Utilities, Education and Rent Pay, earn 4 reward points on Rs. 150. Earn additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs. Emergency overseas hospitalization up to Rs. 15 lakhs in case of emergency	Welcome Benefit: Complimentary Annual Zomato Gold Membership when you spend Rs. 75,000 and above in the first three months. Do note the offer is not applicable for cards sourced after 20th January, 2021 Get 15,000 Bonus Reward Points on annual spends of Rs. 8,00,000, and get 10,000 Bonus Reward Points on annual spends of Rs. 5,00,000  Spend Rs. 60,000 & above in the first 90 days to get the first-year membership fee waived off, and spend Rs. 3,00,000 in 12 Months to get Renewal Fee waived for next renewal year 4 Reward Points for every Rs.150 spent on all spends 5% Cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi. Note: Maximum cashback of Rs. 500 per statement on minimum monthly spends of Rs. 20,000 The Current Account Holders will avail double cashback on all Business essentials such as Telecom, Utility, Govt and Tax payments only up to Rs. 1000 per statement Avail POS Rental Reversal on monthly spendings of Rs 30,000 on the credit card and monthly volume of Rs 25,000 on POS machine capped at Rs. 1000 per month  12 Complimentary Airport Lounge Access per calendar year within India (both at domestic and international terminals)  Apply for Priority Pass for yourself and add on members upon completing minimum 4 retail transactions on the HDFC Bank Regalia Credit Card Using the Priority Pass, you along with an add on member can together avail up to 6 Complimentary Lounge Access per calendar year outside India Get Air Accidental death cover up to Rs 1 Cr and Emergency Overseas Hospitalization protection worth up to Rs. 15 Lakhs Flight Delay cover of up to Rs 25,000 and missing of Connecting International Flight cover of up to Rs 25,000 available to the primary cardholder With EasyEMI for SMEs facility, you don’t need to block your capital  Purchase interiors, furniture, electronics, ACs and more in bulk with No Cost EMI offer on brands like Damro, Dash Square, Durian Industries, EVOK, Furniturewalla, Godrej Interior, Royal Oak, Stanley, The Maark Trendz, Kelvinator, Blue Star, Reliance Digital
Editor’s Review	Pros Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs. Accidental air death cover worth Rs. 1 Crore Fuel Surcharge Waiver   Cons Slightly high Annual Fee No golf/coaching sessions	Pros On all foreign currency spends, avail the lowest foreign currency markup of 2%  Redeem Reward Points instantly against Airline ticket booking and Hotel booking Enjoy the exclusive 24/7 Concierge Service Cons Although complimentary Membership to the Priority Pass Program is offered, all Lounge visits within India using priority pass will be charged at US $27 + GST Lounge Visits outside India exceeding the complimentary visits will be charged at US $27 + GST. The annual fee of 2500 is moderately high

HDFC Regalia Credit Card Vs. HDFC Moneyback Credit Card

Categories	HDFC Regalia Credit Card	HDFC Moneyback Credit Card
Joining Fees	Rs. 2,500	Rs. 500
Editor’s Rating	4	3.3
Key Features	Airport Lounge Access within and outside India Experience unique delicacies through Good Food Trail dining program at premium restaurants across top cities. On retail spends including Insurance, Utilities, Education and Rent Pay, earn 4 reward points on Rs. 150. Earn additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs. Emergency overseas hospitalization up to Rs. 15 lakhs in case of emergency	You’ll receive Welcome Benefit of 500 Cash Points that’s applicable only on the payment of the membership fee In the first 90 days, spend Rs. 20000 or above and get first-year membership fee waived off Accumulate and redeem reward points for cash-back against outstanding amount on your Credit Card (100 points = Rs. 20) In the first year, spend Rs. 50,000 or above and get renewal membership fee waived off Earn 2 Reward Points on every Rs 150 spent Every quarter receive a gift voucher worth Rs. 500 on spends of Rs 50,000. Get up to Rs. 2,000 worth of gift vouchers in a year While doing online shopping, earn 4 reward points for every Rs 150 you spend online with the card. (With effect from 15th July 2020, customers can get up to 500 Reward Points per statement cycle for the online spends, under the 2X RP feature.) Spend Rs 50,000 in a Quarter and avail Rs 500 worth E-Voucher Renew membership for free by just spending Rs. 50,000 in a year before the renewal date 1% fuel surcharge waiver at any fuel stations in India, on minimum transaction Rs. 400 and Max CashBack of Rs. 250 per statement cycle If your HDFC Moneyback Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card   Rewards Rate: Reward Points accumulated can be redeemed against statement balance at the rate 1 RP = Rs. 0.20 Reward Points can even be used to redeem against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.25
Editor’s Review	Pros Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs. Accidental air death cover worth Rs. 1 Crore Fuel Surcharge Waiver   Cons Slightly high Annual Fee No golf/coaching sessions	Pros Zero liability on the lost card if reported immediately With the EMV Chip technology presented in the card, stay protected against fraud Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate Cons The Reward points are only valid for 2 years No complimentary Airport Lounge Access High-interest rate of 3.49%

HDFC Regalia Credit Card Vs. HDFC Regalia First Credit Card

Categories	HDFC Regalia Credit Card	HDFC Regalia First Credit Card
Joining Fees	Rs. 2,500	Rs. 1,000
Editor’s Rating	4	4.1
Key Features	Airport Lounge Access within and outside India Experience unique delicacies through Good Food Trail dining program at premium restaurants across top cities. On retail spends including Insurance, Utilities, Education and Rent Pay, earn 4 reward points on Rs. 150. Earn additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs. Emergency overseas hospitalization up to Rs. 15 lakhs in case of emergency	You will receive Welcome Benefit of 1000 Reward Points and renewal benefit of 1000 Reward Points when the membership fee is realized In 12 Months, spend Rs. 1,00,000 and get Renewal Fee waived for next renewal year Accidental air death cover worth Rs. 50 lakhs  Emergency overseas hospitalization up to Rs. 10 lakhs  Credit Liability cover of up to Rs 5,00,000 1% fuel surcharge waiver at fuel stations in India on transactions between Rs.400 and Rs.5000  8 Complimentary Domestic Lounge Access within India access every calendar year and 3 Complimentary International Lounge Access via Priority Pass  Earn 5,000 Reward Points on annual spends of Rs. 3,00,000 or more in each anniversary year Avail up to 5% cashback on travel and shopping spends on SmartBuy Earn more 2,500 Reward Points on annual spends of Rs. 6,00,000 or more in each anniversary year Enjoy the experience of the Good Food Trail dining program at premium restaurants in top cities   Rewards Rate:  4 reward points on Rs. 150, on all retail spends such as Insurance, Utilities, Education, and RentPay
Editor’s Review	Pros Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs. Accidental air death cover worth Rs. 1 Crore Fuel Surcharge Waiver   Cons Slightly high Annual Fee No golf/coaching sessions	Pros Enjoy exclusive dining privileges with a 15% discount at partner restaurants Avail 4 Reward Points for every Rs. 150 spent Complimentary Priority Pass Membership for free access to over 1000 lounges globally     Cons No complimentary offers for movie tickets  The travel benefits only come only in the form of lounge access, there are no air miles or co-branded benefits provided Cardholders will avail the free Priority Pass membership only after they make 4 retail transactions and they need to apply for the same

HDFC Regalia Customer Care

Sometimes, you might want to connect to HDFC Regalia credit card customer care. For doing so, you must be aware of how you can contact customer care in different ways. Following are a few easiest ways in which you can connect to HDFC Bank Credit Card customer care if you need any assistance:

• For any emergency assistance related to your HDFC Regalia Card, you can connect to customer care on their 24*7 helpline number, which is 1800 266 4332.
• If you prefer writing emails over calling someone, you can write and send your queries to customerservices.cards@hdfcbank.com.

Conclusion

The HDFC Bank Regalia credit card is a stylish premium credit card that offers unique benefits and exciting travel offers. Talking about its features, the 2,500 reward points you get on joining, can be used as Rs. 1,250 for travel/hotel bookings. Other than that, you keep earning these points on all your spends and can redeem them against products/categories of your choice.

Apart from reward offers, this card also provides other exclusive benefits like airport lounge access, dining benefits, fuel surcharge waiver, insurance benefits, etc. So, choosing an HDFC Regalia premium credit card will never be a mistake if it suits your requirements.

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