HDFC is one of the top banks across the globe that offers great financial services and products. They are designed to meet the needs and requirements of the customers. The Regalia First card offered by HDFC bank is a unique credit that allows you to enjoy great privileges and benefits.
The Regalia credit card comes with a myriad of benefits. These are as follows:
The features of the Regalia First card are as follows:
The Eligibility Calculator is a user friendly tool that helps you to understand if you are eligible for the credit card or not. Enter the specific details in the table like date of birth, type of residence, gender, employment type, etc. and press the button that says ‘ Calculate my Eligibility’.
You can choose to apply for the Regalia First credit card offered by HDFC Bank is different ways. These are as follows:
|Interest free period||50 days|
|Minimum amount to be repaid||5% of the outstanding balance or Rs 200, whichever is higher|
|Limit on Cash Advance||40% of the total credit limit|
|Renewal / Annual Fee||Rs 1,000 / Rs 1,000|
|Condition for annual fee waiver||Membership fee for the first year is waived off when you spend a minimum amount of Rs 15,000 within a period of 90 days from the set up date of the card. When you spend Rs 1 lakh in one year, the membership fee for the next year will be waived off.|
|Fee for additional card||Up to 3 additional cards are free for a lifetime|
|Revolving credit charges||2.95% every month (Annual – 35.4%)|
|Charges for cash advance||Rs 300 or 2.5% of the withdrawn amount, whichever is higher|
|Overlimit account charges||2.5% of the overlimit amount. This fee is subject to a minimum amount of Rs 500.|
|Payment return charges||2% of the payment amount. This fee is subject to a minimum amount of Rs 400|
|Fee for cash processing||Rs 100|
|Fee for Rewards redemption||Rs 75 for every redemption request|
|Processing charges for balance transfer||Rs 250 or 2% of the balance transfer amount, whichever is higher|
|Fee for purchase of Railway tickets||Rs 30 added with 2.5% of the total transaction amount. This is applicable if you are carrying out the transaction via HDFC payment gateway. On any other gateway, you will have to pay the fee as per the IRCTC rules|
|Stolen / Damaged / Lost card||Rs 100|
|Processing charge for Cheque (outstation)||Rs 25 for Cheque value of Rs 5,000. If the Cheque value is above Rs 5,000 then the fee is Rs 30|
|Foreign currency transactions||2%|
|Krishi Kalyan Cess, Swachh Bharat Cess and Service Tax||This is applicable on all interest, fees and other charges|
You need to send an email to the bank for changing or updating your address on the Regalia First credit card. You may also choose to change or update it online on the portal of the bank.
You can check the status of your credit card online on the website of the bank. You will have to enter the application reference number (16 digits) and your date of birth or mobile phone number.
In order to do this, you will have to download and fill up MID from the form center of HDFC Bank. Sign it and send it to the correspondence address of the bank.
After the CDF (Cardholder Dispute Form) form submission, the bank informs the merchant involved in the disputed transaction. The documents required to substantiate the transaction is produced by the merchant. After inspection, if you are still not satisfied as a customer, you may choose to fill up and submit the form.
The CDF (Cardholder Dispute Form) must be filled by you as per the guidelines set by MasterCard and Visa. It authorizes the bank to investigate the transaction with merchant.