The HDFC Regalia Credit Card is a premium credit card designed for individuals who seek the best in luxury, rewards, and exclusive benefits. With a combination of exciting rewards, airport lounge access, concierge services, and travel privileges, this card is perfect for those who travel frequently, enjoy a luxurious lifestyle, or want to make the most out of every transaction. The HDFC Regalia Credit Card provides a seamless experience that complements your sophisticated needs and lifestyle.
Key Features and Benefits
- Reward Points
- Earn 4 reward points for every ₹150 spent on retail purchases.
- Earn 2 reward points for every ₹150 spent on other categories like utilities, groceries, and dining.
- Reward points can be redeemed for exciting gifts, vouchers, air miles, and even cashback, allowing you to get the most value out of your purchases.
- Airport Lounge Access
- Enjoy complimentary access to more than 1,000 domestic and international airport lounges through the LoungeKey program, making your travel experience more comfortable and luxurious.
- Exclusive Dining Benefits
- Get 20% off at a wide selection of fine dining restaurants across India.
- Enjoy special dining privileges and exclusive offers, ensuring that you can dine in style.
- Concierge Services
- Access 24/7 concierge services, available for anything from travel bookings, hotel reservations, event planning, and more.
- The concierge service takes care of all your needs, providing ultimate convenience for your personal and professional life.
- Travel Insurance Coverage
- Get travel insurance coverage including accident insurance (up to ₹1 crore), flight delay insurance, and baggage loss insurance, ensuring that you are protected wherever you go.
- Additionally, emergency medical expenses are also covered while traveling abroad.
- Exclusive Discounts and Offers
- Enjoy exclusive offers on shopping, entertainment, and more through partnerships with leading brands and retailers.
- Benefit from cashback offers on popular e-commerce platforms, making it an even more rewarding card for online shoppers.
- Fuel Benefits
- Get 1% fuel surcharge waiver on fuel purchases at petrol stations across India, making this card even more practical for frequent travelers.
- EMI Conversion
- Convert your large purchases into easy EMIs at competitive interest rates and flexible tenures, ensuring you have control over your expenses.
- Contactless Payment Technology
- The card comes with contactless payment technology, enabling you to make faster and more secure transactions at retail outlets.
Fees and Charges
- Joining Fee: ₹2,500 (plus applicable taxes).
- Annual Fee: ₹2,500 (plus applicable taxes), which can be waived off with a minimum annual spend of ₹3,00,000.
- Interest Rate: 3.49% per month (or 41.88% per annum) on outstanding balances.
- Late Payment Fee: ₹100 to ₹1,300, depending on the outstanding balance.
Eligibility and Documentation
Eligibility Criteria:
- Age: Applicants must be between 21 and 60 years of age.
- Income: A high and stable monthly income is required to meet the eligibility criteria of HDFC Bank.
- Credit Score: A good credit score (typically 750 or higher) is recommended for smooth approval.
Documents Required:
- Proof of Identity: PAN Card, Aadhaar Card, Passport, etc.
- Proof of Address: Utility bills, Voter ID, Passport, etc.
- Proof of Income: Salary slips, bank statements, or Income Tax Returns (ITR) for income verification.
Why Choose the HDFC Regalia Credit Card?
- Premium Lifestyle Benefits: With access to airport lounges, fine dining discounts, and concierge services, the HDFC Regalia Credit Card is perfect for individuals who prefer a high-end lifestyle.
- Rewarding for Every Spend: Earn substantial reward points on every purchase, and redeem them for travel bookings, merchandise, air miles, or even cashback.
- Comprehensive Travel Perks: From travel insurance to lounge access and flight delays coverage, this card is perfect for frequent travelers who need both convenience and security.
- Exclusive Offers: Enjoy access to exclusive discounts, cashback deals, and offers on shopping and dining, making every spend more rewarding.
- Easy EMI Options: Convert your big-ticket purchases into easy EMIs, with affordable interest rates and flexible repayment tenures.
How to Apply?
- Online Application:
- Visit the official HDFC Bank website or use the HDFC Bank mobile app to apply for the Regalia Credit Card.
- Complete the online form, and submit the necessary documents for verification.
- Offline Application:
- You can also apply offline by visiting an HDFC Bank branch near you. Ensure that you bring along your identity, address, and income proof documents.
- Approval and Card Delivery:
- Upon approval, your HDFC Regalia Credit Card will be sent to your registered address. You can start using the card as soon as it arrives.
Conclusion
The HDFC Regalia Credit Card is the perfect choice for those who want a premium credit card that offers luxury, convenience, and exclusive benefits. With exceptional rewards, access to airport lounges, concierge services, and comprehensive travel insurance coverage, this card elevates your lifestyle and ensures you make the most out of your spends. Whether you’re traveling, dining, or shopping, the HDFC Regalia Credit Card adds significant value to every aspect of your life.
For individuals who appreciate luxury and seek premium benefits, the HDFC Regalia Credit Card is a must-have. Apply today to enjoy a host of exclusive privileges and elevate your financial experience!
