HDFC Regalia Credit Card
Credit cards have become a necessity for many individuals because it is the lender of the last resort when you fall short of funds. On the other hand, you get exciting and exclusive offers on credit cards and a good credit limit can be a cherry on the cake. So, one such credit card is the HDFC Regalia Credit Card which gives you dining and travel benefits. You can also earn thousands of reward points using this card and redeem them on the official reward point redemption website of the HDFC Bank against gift cards and vouchers. So, let’s have a look at the features and benefits of this credit card.
Prevailing Offers on the HDFC Bank Regalia Credit Card
You can check the existing offers on the Regalia Credit Card before applying. Know how this credit card can save money on various transactions.
| Category | Features and Benefits |
| Travel Benefits | Enjoy up to 6 free visits to the Airport Lounges through this credit card.Get up to 12 access to the domestic and international airport lounges in a year under the Visa Program. |
| Dining Benefits | Get up to 25% off at more than 2000 restaurants.Get a free Zomato Gold membership on this credit card. |
| Reward Points | Spend INR 150 and earn 4 reward points on every transaction.Spend INR 5 Lakhs in a year and earn 10000 reward points.You are eligible to enjoy 5000 additional points if you spend INR 8 Lakhs in a year.All the reward points are redeemable on the official HDFC Reward Points Redemption Website. |
| Financial Benefits | You will get a foreign markup fee of 2% on this card.Waive off the fuel surcharge waiver by 1% at the refilling pumps using the HDFC Bank Regalia Credit Card. |
| Smart EMI | You can convert transactions into EMIs through this card.Tenure options of 6 to 24 months are available for repayment. |
| Contactless Payment | You can make contactless payment from this card without entering the PIN.The maximum contactless payment that can be made from this card is INR 5000. |
HDFC Regalia Card Fees and Charges
| Particulars | Charges |
| Card’s Annual Fee | ₹ 2500 |
| Card’s Renewal Fee | ₹ 2500 |
| Revolving Credit Interest Rate | 3.49% per month |
| Cash Advance Fee | 2.50% of the withdrawal amount or ₹500, whichever is higher |
| Late Payment Fee | ₹100-750, depending on the pending due amount |
| Overlimit Fee | 2.50% of the over-limit amount, with ₹500 being the minimum |
| Rewards Redemption Charges | ₹99 |
Regalia Card Eligibility
You must fulfill all the eligibility criteria before you apply for the card and it differs from Self-Employed to Salaried individuals.
Salaried Professionals
- The minimum age of the applicant must be between 21
- The maximum age of the applicant must not be more than 60 years.
- You must have a gross monthly income of more than ₹1.2 lakh.
- Your Cibil score must be 750 or above.
Self-Employed Individuals
- The minimum age of the applicant must be between 21
- The maximum age of the applicant must not be more than 60 years.
- You must have a gross monthly income of more than ₹1.2 lakh.
- Your Cibil score must be 750 or above.
Documents Required for Regalia Credit Card
You will have to provide valid income, address, and identity documents in order to prove your eligibility. Therefore, you must see the list of documents that are accepted by the banks.
- ID Proof– Copy of Passport/ PAN Card/ UID/ Driving License/ Voter’s ID Card
- Income Proof– Latest Income Tax Return documents/ Form 16/ Salary Slip (for those who are employed in government offices of PSUs)
- Address Proof– Copy of Passport/ Fixed Line Bill/ Electricity Bill/ UID/ Bank Passbook of a PSU bank
- Coloured Photographs
- Copy of PAN Card
- Bank statement for the last 3 months
Conclusion
So, you have seen the all the features and benefits of the HDFC Regalia Credit Card. But make sure you are eligible to apply for the card. On the other hand, you will also have to provide the necessary documents to support your eligibility. Therefore, after checking the eligibility, you can apply for the HDFC Bank Regalia Credit Card and get quick approval for the card.
Frequently Asked Question
What is the minimum income needed for HDFC Regalia Credit Card?
To apply for the Regalia Card, you must have a monthly income of at least INR 1.2 Lacs. A minimum credit score of 750 is required for an easy approval for the card.
What is the limit of the HDFC Regalia Credit Card?
The Regalia Credit Card’s credit limit is determined by the individual’s income and Cibil Score. When you apply for the credit card then you will know the exact credit limit. If you have a monthly income of INR 1.2 lacs and a credit score of 750 or more, you will be granted a high credit limit.
Is Regalia credit card lifetime free?
No, the HDFC Regalia Credit Card is not a lifetime free credit card. When you apply for the card, you will have to pay a joining fee of INR 2500. A fee of INR 2500 will also be charged at the time of renewal.
What is HDFC Regalia Renewal Fee?
The HDFC Regalia Renewal Fee is INR 2500 and is charged on an annual basis. The fee will be added to your credit card bill.
What is the Category of the Regalia Card?
The Regalia Credit Card is a Reward Points credit card that allows you to earn thousands of reward points. All reward points are redeemable on the HDFC Bank’s official reward points redemption website.
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