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Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
The Regalia credit card from HDFC Bank comes with a host of lifestyle and travel rewards. With this credit card, make the most of its joining benefits, complimentary lounge access and more across categories such as travel, dining and shopping.
Travel Benefits
Fuel Benefits
Dining Benefits
Note: Zomato Gold membership is valid only for Regalia cards issued after 20 March 2019 and is limited to the primary cardholder.
Renewal benefits
The card limit is at the discretion of the bank and dependent on factors such as your credit score and credit history.
Reward points earned on your Regalia card expire within 2 years of accumulation. You can redeem your existing points by following the steps below:
Know about HDFC Credit Card Reward Points
Some of the fees and charges associated with your card can be found below:
| Type of fees or charges | Amount (Rs.) |
|---|---|
| Joining fee | Rs.2,500 |
| Renewal fee | Rs.2,500 |
| Minimum repayment amount | 5% or a maximum of Rs.200 |
| Cash withdrawal fee | 2.5% of the withdrawn amount (Minimum Rs.500) |
| Cash advance limit | 40% of the credit limit |
| Rewards redemption fee | NIL |
| Add-on cards charges | NIL |
| Foreign currency mark-up fee | 2% |
| Late payment charges |
|
| Over limit charges | 2.5% of the over the limit amount (Min. of Rs.550) |
| Cash processing fee | Rs.100 per transaction |
| Payment return charges | 2% of the payment amount (Minimum of Rs.450) |
| Card re-issuance charges | Rs.100 per instance |
| Duplicate statement | Rs.10 |
The eligibility criteria, as well as documents to be submitted, are listed below:
Apply for an HDFC Regalia credit card online by following the steps below:
If you're eligible for the card, the application process will be informed to you over the call and the further procedure will follow.
You can earn reward points by making transactions using your Regalia Credit Card. Only retail spends are eligible for the reward points. Fuel transactions and EasyEMI transactions are not eligible for reward points. The accrued reward points will have an expiry of 2 years before which they should be redeemed for various gifts available on the rewards catalogue.
Yes, you earn reward points for all domestic and international airlines bookings.
Yes, you can access the HDFC Regalia online portal and recharge your prepaid mobile phone.
You can make payments for your credit card through multiple payment options like auto pay, funds transfer, Net Banking, mobile banking, etc.
If you have misplaced/lost your card, simply call the HDFC Credit Card Customer Care division and notify them of the same. Your card will be blocked instantly. Alternatively, you can report a lost/stolen card through your NetBanking account.
The bank decides the card limit based on your credit score and credit history, among other things.
Your HFC Bank Regalia credit points will expire after 2 years of accumulation.
You will earn 8 reward points if you spend Rs.300 with your HDFC Bank Regalia credit card.
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