HDFC Regalia Gold Credit Card

The additional features of HDFC Gold Regalia Credit Card are given below:

1. Zero Liability for Lost Cards: In the unfortunate event that you lose your HDFC Bank Regalia Gold Credit Card, as long as you immediately notify our 24-hour call centre, you are not responsible for any unauthorised purchases made with your Credit Card.
2. Mark up currency: All of your foreign currency purchases will be marked up by 2%.
3. Revolving Credit: Take advantage of low-interest revolving credit on your HDFC Bank Regalia Gold credit card.

Lounge Access

You can enjoy complimentary lounge access when using the HDFC Gold Regalia Credit Card. The conditions under which you can enjoy free lounge access are given below:

1. The HDFC Bank Regalia Gold Credit Card offers 12 complimentary access points within India (both at international and domestic terminals).
2. Use your HDFC Bank Regalia Gold credit card to enter the lounge for free by scanning it there.
3. Visits that go over the complimentary allotment and lounges that are not included in the program will be permitted at the lounge's discretion and will also incur fees.

Priority Pass

1. You and your add-on member can use Priority Pass to get up to six complimentary lounge visits outside of India each year.
2. Once you have used your HDFC Bank Regalia Gold Credit Card for a minimum of 4 retail purchases, you can apply for Priority Pass for yourself and any additional members. Apply by clicking here.
3. You will be charged US $27 + GST per visit if you make more visits than the six free ones.
4. You will be charged US $27 + GST each visit if you use your Priority Pass to access a lounge in India.

Welcome Benefit

On availing this card, you will enjoy a welcome benefit of Rs.2,500. If you spend Rs.1 lakh within 90 days of the issuance of the card, then you can avail a complimentary Club Vistara Silver Tier and MMT Black Elite Membership.

Milestone Benefit

1. When you spend Rs.1.5 lakh in each calendar quarter, you will receive coupons from Myntra, Marriott, Marks & Spencer, or Reliance Digital worth Rs.1,500.
2. When you spend Rs.5 lakh in an anniversary year, you will receive flight vouchers worth Rs.5,000.
3. Receive bonus flight vouchers worth Rs.5,000 when you spend Rs.7.5 lakh in an anniversary year.

Annual Spend based Benefit

If you spend Rs.4 lakh in a calendar year, then the renewal fee for the next billing year will be waived off.

Contactless Payment

The HDFC Bank Regalia Gold Credit Card has contactless functionality, enabling quick, simple, and safe payments at retail establishments.

Insurance

1. Accidental air death insurance worth Rs.1 crore.
2. Emergency medical care abroad: up to Rs.15 lakh.
3. Coverage for credit liability of up to Rs.9 lakh.

Reward Point/CashBack Redemption & Validity

1. Including insurance, utilities, and education, earn 4 reward points for every Rs.150 in retail purchases.
2. Spend Rs.150 on retail at Myntra, Nykaa, Marks & Spencer, and Reliance Digital, and receive 20 Reward Points.

Reward Point Redeeming

1. You can use SmartBuy or NetBanking to use your reward points. Reward Points can be exchanged for the following items through SmartBuy. Here 1 reward points is = Rs.0.65.
2. Booking hotels and flights with Smartbuy at the rate of 1 RP = 0.5 airmiles and converting through net banking.
3. Items & Gift Cards with a 1 RP = up to Rs 0.35 value via Netbanking or SmartBuy.
4. The redemption will be at the rate of 1 RP = Rs 0.20 against the statement balance.

Eligibility

Given below are the eligibility criteria you will need to fulfil to apply for the HDFC Gold Regalia Credit Card:

1. Age must be between 21 years and 60 years for salaried Indian nationals, with a net monthly income of at least Rs.1 lakh.
2. For a self-employed Indian citizen, minimum age is 21 years while the maximum age of eligibility is 65 years, with annual income tax returns of more than Rs.12 lakh per annum.

Fees and Charges

Credit cards make payments easy for all expenses online and offline while offering various benefits

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