HDFC Bank Regalia Credit Card Review 2022.

Best reward Credit Card India Reward Credit card india Signature Credit Card India

HDFC Bank

Regalia Credit Card

Editor’s Rating

★★★★★

Welcome Offer:

Get 2500 reward points as a welcome benefit

Annual Fee	Joining Fee	Interest Rate(APR)	Credit Score
₹2500	₹2500	3.49% Per month – 41.88% Annually	Good/Excellent

HDFC Bank Regalia Credit Card is a signature category credit card of hdfc bank. which offers you a best reward earning program and luxurious benefits to card holder. Also comes with many complimentary benefits.

So, let check out some important details of this card like, features and benefits, fees and charges, rewards and cashback offer, interest rate, insurance and security etc. before reviewing it.

Key features of HDFC Bank Regalia Credit Card

Here is the list of key features of HDFC Bank Regalia Credit Card.

• Earn 4 reward point on every Rs.150 spent.
• 12 complimentary airport lounge access within Indian and 6 outside of India.
• 2% forex currency mark up fees.
• Revolve your credit card limit on nominal interest rate.
• Get 24×7 exclusive concierge services via call and email.
• Bonus reward points on annual spend of ₹5 and ₹8 lakhs.

Key Benefits of HDFC Bank Regalia Credit Card

Here is the List of key benefits of HDFC Bank Regalia Credit Card.

Welcome benefits

Get 2500 reward points as a welcome benefit. This benefit only available on membership fees payment not applied on free upgrade or fees waived off.

Airport Lounge Access

HDFC Bank Regalia Credit Card gives a 12 airport lounge access to their card holder as compliment. you can visit 1000+ airport lounges of India and get 6 complimentary lounge access outside of India using your priority pass.

This benefit is also available for add on priority pass holders.

Milestone Benefit

Milestone benefits of regalia credit card:

• Earn 10,000 bonus reward points on annual spend of ₹5 lakhs.
• Earn extra 5000 reward point on annual spend of ₹8lakhs.

Annual spend Benefits

If you spend more than rupees ₹3 lakhs in a year then you are eligible to renewal fees wavier.

Fuel surcharge wavier

1% fuel surcharges wavier on the minimum transaction of ₹400 and maximum upto ₹5000 on your regalia credit card. Maximum charges waiver per billing cycle is ₹500 and GST charges is non-refundable.

Rewards and cashback offer

Rewards and Cashback offers of HDFC Bank Regalia Credit Card

• You will get 4 rewards points when you spend ₹150.
• upto 10% – 20% instant discount or cashback when you use your card at online shopping websites and shopping malls during the offer periods.
• Earn up to 10x reward point and 5% cashback when you use you HDFC Bank Regalia Credit Card for your travel and shopping spends at https://offers.smartbuy.hdfcbank.com/regalia.
• Upto 10% instant discount at Dineout app for dinning booking and bill payments.

Insurance and security

With your HDFC Bank Regalia Credit Card, you will get some complimentary insurance and security for yourself. Check out the below list.

• Get upto ₹1 crore Air accidental death cover.
• Upto ₹15 lakhs emergency overseas hospitalization protection for any medical emergency when you are travelling outside from your home country.
• ₹9 lakh credit card lost liability cover.

Fees, interest rate and Hidden charges

list of fees and hidden charges which is apply on your HDFC Bank Regalia Credit Card.

Spend condition for waiver of annual charges

if you wish to waiver of next year annual/renewal membership fee of your HDFC Bank Regalia Credit Card then you have to spend ₹3,00,000 in a year. Mark that this amount is excluded from transactions like cash on call, balance transfer and cash withdrawal.

Eligibility criteria

If you are thinking to apply for HDFC Bank Regalia Credit Card, then you must have to fulfil these criteria:

• For salaried Indian national requires minimum age of 21 to 60 years with a monthly income of above ₹1 lakh per month.
• For self-employed Indian national requires minimum age of 21 to 65 years with an ITR of more than ₹12 lakhs per annum.

Reviews of HDFC Bank Regalia Credit Card

HDFC Bank Regalia Credit Card is a visa signature category card which comes with luxury class benefits and best in class reward point program. This card offers free airport longue access with air travel insurance and medical treatment outside India.

We recommended to apply for this card if you are a primum class person. This card is one of the best credit cards of hdfc bank.

Reward Point Redemption  

You can easily redeem your HDFC Bank Regalia Credit Card reward points from smartbuy or by login into your netbanking.

Reward point values and redeem for:

• You will get value of 1RP = ₹0.5 if you book flight and hotels via smartbuy. Upto 70% of booking values.
• If convert your reward point into Airmiles then you get the value of 1RP=₹0.5.
• You can redeem your RP at value of 1RP= upto ₹0.35 for product and gift vouchers via netbanking and smartbuy.
• Convert your RP into cashback at the value of 1RP=₹0.20.

Use full details and links

• Official website: www.hdfcbank.com
• Customer care no: 1860 425 1188(Toll Free)
• Email id: regalia.support@smartbuyoffers.co
• Smartbuy Card Offers: Click here
• Priority pass: www.prioritypass.com
• Lounge Access: Visa card Master card

FAQ:

Disclaimer: we always intend to provide you all updated details. But there is a possibility changes in data, rates, charges and fees by bank and issuer company. So kindly refer all the latest data by visiting official website of issuer before applying. We are not responsible for any legal or financial implication in any case.