Welcome Benefit- Zomato Pro Membership

By spending a minimum of Rs.75,000 within the first 3 months, you will get a complimentary annual Zomato Pro Membership.  Under this, you can avail the following benefits at select restaurants:

• Up to 40% discount on your bill (no maximum cap)
• No daily, weekly or monthly limits on usage
• Additional discount and faster delivery on food delivery

Reward Points

Using HDFC Regalia Credit Card, you will get 4 reward points per Rs.150 on all retail spends, including insurance, utilities, education, and rent. For example, if you spend Rs. 30,000 on apparel, you will earn 800 reward points. 

Though HDFC Regalia Card does not offer extra rewards on select categories, as most other cards do, the basic reward rate itself is quite decent.

If you are looking for cards that offer better reward points, you can consider SBI Card PRIME and YES FIRST Preferred Credit Card.

Reward Redemption

Value of Rewards– 1 reward point = Rs. 0.50

Reward Validity– 2 Years

Redemption Options- Flights & Hotel Bookings, Products and Vouchers

You can redeem the points through the dedicated portal for HDFC Regalia Customers on HDFC SmartBuy Platform. 

Milestone Benefit

HDFC Regalia Credit Card also rewards you for reaching spending milestones in the form of bonus reward points. 

• 10,000 bonus reward points (Rs. 5,000) on spending Rs.5 lakhs in the anniversary year
• Additional 5,000 bonus reward points (Rs.2,500) on spending Rs.8 lakhs in the anniversary year

Lounge Access

Complimentary Airport Lounge Access within India

HDFC Regalia Visa/Mastercard Credit Card-holders can get 12 complimentary visits to airport lounges per calendar year within India, at both domestic and international terminals.

How to use the Airport Lounge benefit?

• Visit an eligible airport lounge
• Swipe your Regalia card to avail complimentary access
• HDFC Regalia Credit Card can be used only on select airport lounges

Note: Once you have exceeded the complimentary quota, you will be required to pay the visiting charges as applied by the lounge.

Priority Pass Membership

HDFC Regalia Credit Card-holders who have completed a minimum of 4 retail transactions can apply for Priority Pass membership. 

Customers with a complimentary Priority Pass membership can enjoy access to more than 1000 airport lounges across the globe. 

• Avail a maximum of 6 complimentary lounge access in a calendar year, outside India
• One add-on member is also allowed with Priority Pass membership

Note: After exceeding 6 complimentary visits, customers will be charged at the US $27 + GST per visit. Also, such transactions will not accrue Reward Points.

Low Foreign Currency Markup Fee

If you frequently travel overseas, HDFC Regalia Credit Card could be the right choice for you. It charges a low foreign exchange mark up fee of 2% only. Usually, the forex markup fee is 3.5% or higher and only a few cards in the market charge a lower rate. HDFC Regalia is one of them.

Learn more about foreign transaction fee on credit cards

Air Accident Cover

HDFC Regalia Credit Cardholders are eligible for complimentary insurance cover.

• Air accident death cover of Rs.1 crore
• Emergency overseas hospitalisation cover of Rs.15 lakh
• Credit liability cover worth Rs.9 lakh

Travel Concierge Services

HDFC Regalia Credit Card customers can avail 24×7 concierge services for a convenient travel experience. To avail this service, customers can dial HDFC toll-free number: 1860 425 1188, or send an email to regalia.support@smartbuyoffers.co

If you would like to explore more cards that offer benefits similar to HDFC Regalia, here are a few cards to consider:

HDFC Regalia Credit Card is best suited for you, if:

• You plan to spend a lot using this credit card (as you will earn good reward points)
• You travel often and would like to get free lounge access at airports
• You frequently make purchases in foreign currency and would like to save on the foreign exchange mark-up charges

• To start the application process, click here.
• Fill the basic details in the given form such as Pincode, Occupation, Net monthly income, etc.
• Once the form is submitted, all eligible credit cards are displayed.
• Filter the results for HDFC Bank credit cards. If you are eligible for the Regalia card, it will be shown on the list.
• Click on ‘Check Eligibility’ and enter the required information.
• If you are eligible, you will be required to fill a detailed form and submit it.

Once you have successfully submitted the form, an executive from Paisabazaar will call you and ask a suitable time for the bank representative to collect documents from your home or office.

The bank will then verify the documents provided and, if you qualify, you will get the card delivered at your address within 15 days.

You can also apply directly from HDFC Bank’s website or by visiting the nearest HDFC branch.

Who can apply for HDFC Regalia Credit Card?

All Indian nationals above the age of 21, whether salaried or self-employed, can apply for this credit card, provided that they meet the income criteria and other card-specific requirements.

What is the minimum income to be eligible for HDFC Regalia Credit Card?

For salaried individuals, the monthly income should be more than Rs. 70,000 and for self-employed individuals, it is Rs. 8.4 Lakh per annum.

How much GST will be applicable on my HDFC Regalia Credit Card?

GST will be levied at the rate of 18 per cent on fees and charges and interest rates applicable to your card.

What benefits will I get with an HDFC Regalia Credit Card?

You will get travel privileges, dining benefits along with high reward points on all your spends. The card also offers fuel surcharge waiver, Smart EMI facility and zero lost card liability cover. . You will also get comprehensive insurance cover with the card.

How do I get the complimentary Priority Pass Membership with HDFC Regalia Credit Card?

You have to complete 4 transactions in a statement within the first 90 days to be eligible for Priority Pass membership. Once you do that, a link will be sent to your registered number where you can apply for a Priority Pass.

What are EMV Chip Cards?

HDFC Regalia Credit Card is an EMV Chip-enabled card. The chip makes your transactions more secure and saves you from counterfeiting.

Can HDFC Bank Chip cards be used as a normal Swipe card?

Yes, the magnetic strip is also present on the HDFC Regalia Card and hence it can be used as a normal swipe card.