HDFC Regalia Credit Card Review

HDFC Regalia Credit Card Review: The HDFC Regalia Credit Card is a popular choice among credit cardholders in India. This card offers a range of benefits, including a host of rewards and redemption options, attractive discounts, and insurance covers.

The card also offers customers access to an array of complimentary privileges like a club membership, airport lounge access, and a priority pass. With features like cashback, reward points, and zero liability on fraudulent transactions, the HDFC Regalia Credit Card is an ideal choice for those looking for a comprehensive credit card experience.

HDFC Regalia Credit Card Review
HDFC Regalia Credit Card Review

1. HDFC Regalia Credit Card Review: An Exclusive Look

The HDFC Regalia Credit Card is a premium credit card offered by HDFC Bank. It is a great choice for people who are looking for a card with plenty of perks and benefits. Some of the benefits of the HDFC Regalia Credit Card include access to airport lounges, complimentary domestic and international flight tickets, and a fuel surcharge waiver. In this HDFC Regalia Credit Card review, we will take a look at all the features and benefits of this card in detail.

HDFC Regalia Credit Card Features

The HDFC Regalia Credit Card is an excellent choice for those looking for a premium credit card. It comes with a host of features, including reward points, cashback offers, complimentary lounge access at airports, and travel and lifestyle benefits.

Additionally, cardholders can take advantage of the Priority Pass Program, which allows them to access over 1,000 airport lounges across the world. With no annual fee and up to 5% cash back on select categories, the HDFC Regalia Credit Card is an attractive option for those looking for a comprehensive credit card experience.

The HDFC Regalia Credit Card comes with a host of features that make it a great choice for people who travel frequently. Some of the key features of the card are mentioned below:

Best Suited for Shopping & Travel
Joining Fee Rs. 2,500
Renewal Fee Rs. 2,500 (waived off on spending Rs. 3 lacks in a year)
Minimum Income Requirement
  • Salaried: Rs. 1 lakh p.m.
  • Self-employed: ITR>Rs. 12 lakh p.a.
Best Feature Complimentary domestic and international airport lounge access

 

-Access to airport lounges: The HDFC Regalia Credit Card gives cardholders access to over 1000 airport lounges across the world. This benefit is available at both domestic and international airports.

-Complimentary domestic and international flight tickets: The HDFC Regalia Credit Card offers complimentary domestic and international flight tickets. Cardholders can avail of this benefit by redeeming their reward points.

-Fuel surcharge waiver: The HDFC Regalia Credit Card offers a fuel surcharge waiver of up to Rs. 500 per month. This benefit is available at all fuel stations across India.

-Complimentary golf games: The HDFC Regalia Credit Card offers complimentary golf games at select golf courses across the world.

-Dining discounts: The HDFC Regalia Credit Card offers dining discounts at select restaurants across the world.

HDFC Regalia Credit Card Benefits

The HDFC Regalia Credit Card comes with a host of benefits that make it a great choice for people who travel frequently. Some of the key benefits of the card are mentioned below:

-Access to airport lounges: The HDFC Regalia Credit Card gives cardholders access to over 1000 airport lounges across the world. This benefit is available at both domestic and international airports.

-Complimentary domestic and international flight tickets: The HDFC Regalia Credit Card offers complimentary domestic and international

HDFC Regalia Credit Card: Fees & Charge

Hdfc Regalia Credit Card is a financial product offered by HSBC. The card offers a range of benefits, including reward points and unlimited recharges.

There are three types of fees that may be incurred with the use of the Hdfc Regalia Credit Card: annual fee, foreign transaction fee, and late payment fee. The annual fee for the card is Rs 1,000, and there is a foreign transaction fee of 3%. Late payment fees can amount to Rs 50 per month.

Joining Fee Rs. 2,500
Annual Fee Rs. 2,500 (waived off on spending Rs. 3 lacks in a year)
Finance Charges 3.6% p.m. (43.2% p.a.)
Late Payment Charges For Statement Balance:

  • Less than Rs. 100: Nil
  • Rs. 100 to Rs. 500: Rs. 100
  • Rs. 501 to Rs. 5,000: Rs. 500
  • Rs. 5,001 to Rs. 10,000: Rs. 600
  • Rs. 10,001 to Rs. 25,000: Rs. 800
  • Rs. 25,001 to Rs. 50,000: Rs. 1,100
  • More than Rs. 50,000: Rs. 1,300

How to Apply

  • New Application: >12 Lakh Annual Income (Branch/Online)
  • HDFC Preferred Banking: If you’re on Preferred Banking for >6 months with good Balance/AQB, you have a higher chance to get Regalia if the above condition is not met.
  • Upgrade: Limits above 3 Lakh on existing HDFC cards (Regalia First/Allmiles) with good spending would help.

2. HDFC Regalia Credit Card: Benefits and Features

HDFC Regalia Credit Card is one of the most popular credit cards in India. It offers a host of benefits and features that make it an attractive choice for many credit card users. Some of the key benefits and features of the HDFC Regalia Credit Card are as follows:

1. Reward Points: HDFC Regalia Credit Card offers 2 reward points for every Rs. 150 spent on the card. These reward points can be redeemed for a variety of benefits including air miles, hotel stays, and shopping vouchers.

2. Air Miles: HDFC Regalia Credit Card offers 1 air mile for every Rs. 150 spent on the card. These air miles can be redeemed for flight tickets and other travel-related benefits.

3. Hotel stays: HDFC Regalia Credit Card holders can avail of a discount of up to 20% on hotel stays across India.

4. Shopping vouchers: HDFC Regalia Credit Card holders can avail of shopping vouchers worth up to Rs. 5,000. These vouchers can be redeemed at leading retail outlets across India.

5. Balance transfer: HDFC Regalia Credit Card holders can avail of a balance transfer facility at an interest rate of 0% for a period of 6 months.

6. EMI facility: HDFC Regalia Credit Card holders can avail of an EMI facility at an interest rate of 0% for a period of 3 months.

7. Cashback: HDFC Regalia Credit Card holders can avail of a cashback of up to 5% on all purchases made on the card.

8. Joining bonus: HDFC Regalia Credit Card holders can avail of a joining bonus of 5,000 reward points.

9. Annual fee waiver: HDFC Regalia Credit Card holders can avail of an annual fee waiver for the first year.

10. Complimentary membership: HDFC Regalia Credit Card holders can avail of complimentary membership to the HDFC Regalia club. This club offers a host of benefits and privileges including access to airport lounges, concierge services, and more.

3. HDFC Regalia Credit Card: Rewards and Perks

HDFC Regalia Credit Card is one of the most popular credit cards in India. It offers a wide range of benefits and perks to its customers. Some of the most popular benefits of the HDFC Regalia Credit Card are:

Flights and hotel bookings via Smartbuy 1 reward point = Rs. 0.5
Air Miles conversion through Netbanking 1 reward point = 0.5 air mile
Against products and vouchers via Netbanking or Smartbuy 1 reward point = Up to Rs. 0.35
Against cashback 1 reward point = Rs. 0.20

 

Reward Points: HDFC Regalia Credit Card offers 2 reward points for every Rs. 150 spent on the card. These points can be redeemed for a wide range of products and services.

• Cashback: HDFC Regalia Credit Card offers 5% cash back on all purchases made on the card.

• Discounts: HDFC Regalia Credit Card offers discounts on a wide range of products and services.

• Air Miles: HDFC Regalia Credit Card offers 1 air mile for every Rs. 150 spent on the card. These air miles can be redeemed for a wide range of products and services.

• Complimentary Airport Lounge Access: HDFC Regalia Credit Card holders get complimentary access to airport lounges across the world.

• Complimentary Golf Lessons: HDFC Regalia Credit Card holders get complimentary golf lessons at select golf clubs across the world.

• Complimentary Shopping vouchers: HDFC Regalia Credit Card holders get complimentary shopping vouchers worth Rs. 5000 every year.

• Complimentary Hotel stays: HDFC Regalia Credit Card holders get complimentary hotel stays at select hotels across the world.

• Complimentary Movie tickets: HDFC Regalia Credit Card holders get 2 complimentary movie tickets every month.

HDFC Regalia Credit Card is one of the most popular credit cards in India due to the wide range of benefits and perks it offers to its customers. If you are looking for a credit card that offers a wide range of rewards and benefits, then HDFC Regalia Credit Card is the perfect choice for you.

4. HDFC Regalia Credit Card: drawbacks and cons

HDFC Regalia is a credit card offered by HDFC Bank. It is a premium credit card with a host of features and benefits. However, like all credit cards, HDFC Regalia also has its own set of drawbacks and cons.

Here are the 4 main drawbacks and cons of the HDFC Regalia Credit Card:

1. High Annual Fee

HDFC Regalia Credit Card comes with a high annual fee of Rs. 2,500. This is quite high when compared to other premium credit cards like Citibank Prestige Credit Card and ICICI Bank Coral Credit Card which have an annual fee of Rs. 4,500 and Rs. 3,500 respectively.

2. Limited Free Airport Lounge Access

HDFC Regalia Credit Card gives you free access to airport lounges only once a quarter. This is quite limited when compared to other premium credit cards like Citibank Prestige Credit Card and ICICI Bank Coral Credit Card which give you unlimited free access to airport lounges.

3. Limited Rewards Points

HDFC Regalia Credit Card gives you only 1 reward point for every Rs. 150 spent. This is quite limited when compared to other premium credit cards like Citibank Prestige Credit Card and ICICI Bank Coral Credit Card which give you 2 reward points for every Rs. 150 spent.

4. High-Interest Rate

HDFC Regalia Credit Card has a high-interest rate of 3.5% per month. This is quite high when compared to other premium credit cards like Citibank Prestige Credit Card and ICICI Bank Coral Credit Card which have an interest rate of 2.5% per month.

5. HDFC Regalia Credit Card: our verdict

HDFC Regalia Credit Card is one of the most popular credit cards in India. It offers a wide range of benefits and features that make it an attractive option for many people. However, there are some drawbacks that you should be aware of before you apply for this card.

Benefits:

1. Wide range of benefits: The HDFC Regalia Credit Card offers a wide range of benefits and features that make it an attractive option for many people. Some of the key benefits include cashback, rewards points, fuel surcharge waiver, and airport lounge access.

2. Attractive rewards program: The HDFC Regalia Credit Card offers an attractive rewards program that allows you to earn points on your spending. These points can be redeemed for a wide variety of items, including air tickets, hotel stays, and merchandise.

3. Fuel surcharge waiver: One of the key benefits of the HDFC Regalia Credit Card is the fuel surcharge waiver. This benefit allows you to save money on fuel expenses, making it an ideal card for people who travel frequently by car.

4. Airport lounge access: Another key benefit of the HDFC Regalia Credit Card is airport lounge access. This benefit allows you to enjoy a relaxing experience in the airport lounge, regardless of the class of travel.

5. Ease of use: The HDFC Regalia Credit Card is very easy to use and comes with a wide range of features that make it an attractive option for many people.

Drawbacks:

1. High-interest rate: One of the main drawbacks of the HDFC Regalia Credit Card is the high-interest rate. This interest rate can make it difficult to repay your debts, especially if you carry a balance on your card.

2. Limited credit limit: Another drawback of the HDFC Regalia Credit Card is the limited credit limit. This limit can make it difficult to make large purchases or to cover unexpected expenses.

3. Annual fee: The HDFC Regalia Credit Card has an annual fee of Rs. 2500 with GST, which is quite high compared to other credit cards.

4. Foreign transaction fee: The HDFC Regalia

6. HDFC Regalia Credit Card FAQ

HDFC Regalia is one of the most popular credit cards in India. It offers a host of benefits and features that make it a great choice for both personal and business use. However, like any other credit card, there are certain things you should know about HDFC Regalia before you apply for it. Here are six HDFC Regalia credit card FAQs that will help you understand the card better.

1. What are the eligibility criteria for HDFC Regalia?

To be eligible for HDFC Regalia, you must be an Indian resident aged 21 years or above. You should also have a good credit history and a steady income.

2. How much does HDFC Regalia cost?

There is an annual fee of Rs. 3,500 for HDFC Regalia. However, this fee is waived for the first year.

3. How much cashback can I earn with HDFC Regalia?

HDFC Regalia offers 5% cash back on all spends, up to a maximum of Rs. 5,000 per month.

4. What are the other benefits of HDFC Regalia?

HDFC Regalia comes with a host of other benefits, including access to airport lounges, complimentary hotel stays, and a fuel surcharge waiver.

5. How do I use HDFC Regalia?

To use HDFC Regalia, simply swipe your card at any HDFC Bank ATM or POS terminal. You can also use your card to make online purchases.

6. What is the limit on HDFC Regalia?

The credit limit on HDFC Regalia depends on your income and credit history. However, the minimum credit limit is Rs. 40,000.

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