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

If you frequently spend on travel, shopping, and dining, the HDFC Regalia Credit Card could be a smart choice. This card offers various perks, including lounge access while traveling, fuel surcharge waivers, and dining discounts. Continue reading to explore the benefits, charges, eligibility criteria, and the process to apply for the HDFC Regalia Credit 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 the HDFC Regalia First Credit Card, you can enjoy up to 8 complimentary lounge visits per year at domestic airports by spending Rs. 1 lakh or more in a calendar quarter (Jan-Mar, Apr-June, Jul-Sept, Oct-Dec). A list of participating lounges is available on the bank's website.

By making 4 retail transactions, you can receive a Priority Pass for yourself and add-on members, offering up to 6 international lounge visits per year. After the 6th visit, each visit will cost USD 27 + GST.

Additionally, the card provides 24/7 concierge services, accessible by calling 1860 425 1188 or emailing mailto:regalia.support@smartbuyoffers.co

Fuel Benefits

With the HDFC Regalia First Credit Card, you can enjoy a 1% fuel surcharge waiver at fuel stations across India on transactions ranging from Rs. 400 to Rs. 5,000.

Dining Benefits

Through the Good Food Trail Program, you can enjoy up to 7.5% savings on restaurant bill payments made via the Swiggy Dineout app. This discount combines both restaurant and Swiggy offers.

Renewal Offer

The HDFC Regalia Credit Card renewal fee is waived if you spend Rs. 3 lakh or more in the previous year.

HDFC Regalia Credit Card Limit

The HDFC Regalia Credit Card limit depends on factors like credit score, income, existing debts, and payment history. You can request a limit change through the HDFC net banking portal, but the final decision is at the discretion of HDFC Bank.

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, the age should be between 21 to 60 years, with a monthly income of over Rs. 1 lakh.
• For Self-Employed Applicants, the age should be between 21 to 65 years, with annual income tax returns exceeding Rs. 12 lakh.

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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