The HDFC Bank Regalia Gold Credit Card is a premium credit card that offers an array of exclusive benefits and rewards. It is designed for individuals who enjoy luxury and frequent travel, providing exceptional value through its comprehensive reward program, travel benefits, and lifestyle privileges.

Key Highlights:

  • Welcome Benefits: Receive a gift voucher worth Rs. 2,500 upon payment of the joining fee.
  • Milestone Benefits: Earn travel and gift vouchers on reaching specific annual spend milestones.
  • Lounge Access: Complimentary access to domestic and international airport lounges.
  • Reward Points: Earn up to 20X reward points on spends with partner brands.

Welcome Benefits:

Upon joining, cardholders receive a gift voucher worth Rs. 2,500. Additionally, by spending Rs. 1 lakh within the first 90 days, you get complimentary memberships to Club Vistara Silver Tier and MMTBLACK Elite.

Reward Points:

Earning Points:

  • 4 reward points per Rs. 150 spent on retail, including utilities, insurance, and education.
  • 20 reward points per Rs. 150 spent on partner brands like Myntra, Marks & Spencer, Nykaa, and Reliance Digital.

Redemption Options:

  • Flights and hotels via Smartbuy: 1 RP = Rs. 0.50.
  • Airmiles through Netbanking: 1 RP = 0.50 Airmiles.
  • Products and gift vouchers: 1 RP = Rs. 0.35.
  • Exclusive Gold Catalogue: 1 RP = Rs. 0.65.
  • Cashback: 1 RP = Rs. 0.20 (max 50,000 RPs per month).

Milestone Benefits:

  • Rs. 1,500 worth of vouchers on spending Rs. 1.5 lakhs in a calendar quarter.
  • Rs. 5,000 worth of flight vouchers on spending Rs. 5 lakhs in a card anniversary year.
  • Additional Rs. 5,000 flight voucher on spending Rs. 7.5 lakhs in the card anniversary year.

Lounge Access:

  • Domestic: 12 complimentary visits per year at Indian airports.
  • International: 6 complimentary visits per year via Priority Pass for both primary and add-on cardholders.

Additional Benefits:

  • Airport Transfers: Complimentary pick and drop service when booking flights through the Regalia Gold Unified Smartbuy portal.
  • Insurance Coverage:
    • Accidental air death cover up to Rs. 1 crore.
    • Emergency hospitalization cover up to Rs. 15 lakhs.
    • Credit liability cover up to Rs. 9 lakhs.

Fees and Charges:

  • Joining Fee: Rs. 2,500.
  • Annual Fee: Rs. 2,500 (waived on annual spends of Rs. 4 lakhs).
  • Finance Charges: 3.6% per month (43.2% annually).
  • Late Payment Charges: Ranges from Rs. 100 to Rs. 1,300 based on the statement balance.

Eligibility Criteria:

  • Salaried Individuals:
    • Age: 21 to 60 years.
    • Income: Minimum monthly income of Rs. 1 lakh.
  • Self-Employed Individuals:
    • Age: 21 to 65 years.
    • Income: Minimum annual income of Rs. 12 lakhs.