HDFC Regalia Credit Card: Benefits, Eligibility, Apply Online, Fees & Charges

If you spend an adequate percentage of your income on travel, shopping and dining, then getting an HDFC Regalia Credit Card could be a wise choice. On the mentioned spending, this credit card gives various perks like lounge access while travelling, fuel surcharge waiver, discounts on dining, etc. Read to learn more about HDFC Regalia Credit Card benefits, charges, eligibility criteria, and how to apply for this card. 

HDFC Bank Regalia Credit Card Benefits

This section will cover the benefits of the HDFC Bank Regalia credit card across travel, fuel, dining and renewal offers.

Travel Benefits

With an HDFC Regalia first credit card, you can avail of up to 8 complimentary lounge visits per calendar year at domestic airports. You can earn this as part of the quarterly milestone benefit. To win HDFC Regalia credit card lounge access, you will have to spend Rs. 1 lakh or more in a calendar quarter, that is, Jan-Mar, Apr-June, Jul-Sept, Oct-Dec. The list of lounges where this voucher can be used is available on the official website of the bank.

On completing 4 retail transactions with the HDFC Regalia credit card, you can get a Priority Pass for yourself and add-on members. With it, you can avail of up to 6 international complimentary lounge visits per year. After 6 visits, each visit will cost USD 27 + GST.

You can also enjoy 24/7 concierge services by calling 1860 425 1188 or contacting regalia.support@smartbuyoffers.co.

Fuel Benefits

You can get a 1% fuel surcharge waiver at fuel stations across India. For this, the transaction value should be between Rs. 400 and Rs. 5,000.

Dining Benefits

Under the Good Food Trail Program, you can get up to 7.5%  savings on all restaurant bill payments done via the Swiggy Dineout app. This offer includes the restaurant and Swiggy discounts.

Renewal Offer

The HDFC Regalia credit card renewal fee will be waived if you spent Rs. 3 lakh or more in the previous year.

HDFC Regalia Credit Card Limit

The HDFC Regalia credit card limit varies for different applicants based on various factors, such as credit score, monthly income, existing debts, payment history, etc. But you can apply to change the limit by logging in to the HDFC net banking portal.  Ultimately, the limit is decided by the HDFC Bank at its discretion.

HDFC Regalia Credit Card Fees and Charges

The table below covers the different fees applicable for HDFC Regalia credit card:

HDFC Regalia Credit Card Eligibility

To apply for an HDFC Regalia credit card, you must first meet all the eligibility criteria listed below:

• For Salaried Applicants

If you are a salaried applicant, then your age should be between 21 to 60 years and your monthly income should be more than Rs. 1 lakh.

• For Self-Employed Applicants

If you are a self-employed applicant, then your age should be between 21 to 65 years and your income tax returns should exceed Rs. 12 lakh per annum.

Documents Required to Apply for HDFC Bank Regalia Credit Card

You will have to submit the following documents to apply for an HDFC Regalia credit card: 

• Proof of Identity: Aadhaar card, voter ID card, driver’s licence, passport, PAN Card, etc.
• Proof of Address: Aadhaar card, ration card, utility bills, driver’s licence, bank statements, etc.
• Proof of Income: The latest salary slip, which is not more than 3 months old, Form 16, or the bank statement for the last 3 months.

How to Apply for HDFC Bank Regalia Credit Card Online?

Here are the steps to apply for an HDFC Regalia credit card:

• Step 1: Visit the official website of HDFC Bank for credit card applications.
• Step 2: Enter your mobile number along with your date of birth or PAN number to get an OTP.
• Step 3: Enter the OTP and other necessary details.
• Step 4: Select ‘Regalia Credit Card’ and submit.

HDFC Regalia Credit Card Lounge Access List

You can use the lounge access vouchers for the HDFC Regalia credit card at the following airports:

HDFC Regalia Credit Card Reward Points Redemption

Here’s how to redeem the points you have won via the HDFC Regalia credit card:

• Step 1: Log-in to your HDFC Netbanking portal.
• Step 2: Go to the ‘Credit Cards’ tab.
• Step 3: Click on ‘Redeem Reward Points’.
• Step 4: Select ‘Regalia Credit Card’ and click ‘Continue’.
• Step 5: This will redirect you to the redemption portal.
• Step 6: Set your ‘Points Range’ and ‘Item Category’ to see your HDFC Regalia credit card reward points redemption catalogue.
• Step 7: Choose the items which you want to buy and confirm the selections in the shopping cart.
• Step 8: Check the ‘Terms and Conditions’ box
• Step 9: Click on ‘Redeem’ to finish the transaction.

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