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HDFC Bank Regalia Credit Card Review 2022.

HDFC-Bank-Regalia-Credit-Card-Review

HDFC Bank

Regalia Credit Card

Editor’s Rating

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Welcome Offer:

Get 2500 reward points as a welcome benefit

Annual FeeJoining FeeInterest Rate(APR)Credit Score
₹2500₹25003.49% Per month – 41.88% AnnuallyGood/Excellent

HDFC Bank Regalia Credit Card is a signature category credit card of hdfc bank. which offers you a best reward earning program and luxurious benefits to card holder. Also comes with many complimentary benefits.

So, let check out some important details of this card like, features and benefits, fees and charges, rewards and cashback offer, interest rate, insurance and security etc. before reviewing it.

Key features of HDFC Bank Regalia Credit Card

Here is the list of key features of HDFC Bank Regalia Credit Card.

  • Earn 4 reward point on every Rs.150 spent.
  • 12 complimentary airport lounge access within Indian and 6 outside of India.
  • 2% forex currency mark up fees.
  • Revolve your credit card limit on nominal interest rate.
  • Get 24×7 exclusive concierge services via call and email.
  • Bonus reward points on annual spend of ₹5 and ₹8 lakhs.

Key Benefits of HDFC Bank Regalia Credit Card

Here is the List of key benefits of HDFC Bank Regalia Credit Card.

Welcome benefits

Get 2500 reward points as a welcome benefit. This benefit only available on membership fees payment not applied on free upgrade or fees waived off.

Airport Lounge Access

HDFC Bank Regalia Credit Card gives a 12 airport lounge access to their card holder as compliment. you can visit 1000+ airport lounges of India and get 6 complimentary lounge access outside of India using your priority pass.

This benefit is also available for add on priority pass holders.

Milestone Benefit

Milestone benefits of regalia credit card:

  • Earn 10,000 bonus reward points on annual spend of ₹5 lakhs.
  • Earn extra 5000 reward point on annual spend of ₹8lakhs.

Annual spend Benefits

If you spend more than rupees ₹3 lakhs in a year then you are eligible to renewal fees wavier.

Fuel surcharge wavier

1% fuel surcharges wavier on the minimum transaction of ₹400 and maximum upto ₹5000 on your regalia credit card. Maximum charges waiver per billing cycle is ₹500 and GST charges is non-refundable.

Rewards and cashback offer

Rewards and Cashback offers of HDFC Bank Regalia Credit Card

  • You will get 4 rewards points when you spend ₹150.
  • upto 10% – 20% instant discount or cashback when you use your card at online shopping websites and shopping malls during the offer periods.
  • Earn up to 10x reward point and 5% cashback when you use you HDFC Bank Regalia Credit Card for your travel and shopping spends at https://offers.smartbuy.hdfcbank.com/regalia.
  • Upto 10% instant discount at Dineout app for dinning booking and bill payments.

Insurance and security

With your HDFC Bank Regalia Credit Card, you will get some complimentary insurance and security for yourself. Check out the below list.

  • Get upto ₹1 crore Air accidental death cover.
  • Upto ₹15 lakhs emergency overseas hospitalization protection for any medical emergency when you are travelling outside from your home country.
  • ₹9 lakh credit card lost liability cover.

Fees, interest rate and Hidden charges

list of fees and hidden charges which is apply on your HDFC Bank Regalia Credit Card.

Annual/Renewal fee₹2500 + GST
Minimum Due5% or min ₹200
Cash advance limit40% of your credit limit
Add on card feeNil
Credit revolving charges3.49% per month and 41.88% annually
Auto EMI conversion charges20% ROI and ₹99 processing fee
Grace day3 days from the payment due date
Cash advance charges2.5% of amount or ₹500 whichever is higher
Late payment charges₹100 to ₹1300 according to your statement amount
Overlimit amount charges2.5% of amount or minimum ₹550
Payment returns charges2% of amount or min ₹450
ATM or cash withdrawal fees₹100
Reward redemption fee₹99 per redemption request
Balance transfer processing charge1% of amount or ₹250 whichever is high
Loan processing fee₹799 – ₹999
Loan preclosure charges3% of balance principal outstanding
Fuel surcharge1% wavier on min ₹400 transaction upto ₹500 per billing cycle.
Reissue of lost, stolen or damage card₹100
Forex transaction charges (Foreign Currency Markup)2%

Spend condition for waiver of annual charges

if you wish to waiver of next year annual/renewal membership fee of your HDFC Bank Regalia Credit Card then you have to spend ₹3,00,000 in a year. Mark that this amount is excluded from transactions like cash on call, balance transfer and cash withdrawal.

Eligibility criteria

If you are thinking to apply for HDFC Bank Regalia Credit Card, then you must have to fulfil these criteria:

  • For salaried Indian national requires minimum age of 21 to 60 years with a monthly income of above ₹1 lakh per month.
  • For self-employed Indian national requires minimum age of 21 to 65 years with an ITR of more than ₹12 lakhs per annum.

Reviews of HDFC Bank Regalia Credit Card

HDFC Bank Regalia Credit Card is a visa signature category card which comes with luxury class benefits and best in class reward point program. This card offers free airport longue access with air travel insurance and medical treatment outside India.

We recommended to apply for this card if you are a primum class person. This card is one of the best credit cards of hdfc bank.

Reward Point Redemption  

You can easily redeem your HDFC Bank Regalia Credit Card reward points from smartbuy or by login into your netbanking.

Reward point values and redeem for:

  • You will get value of 1RP = ₹0.5 if you book flight and hotels via smartbuy. Upto 70% of booking values.
  • If convert your reward point into Airmiles then you get the value of 1RP=₹0.5.
  • You can redeem your RP at value of 1RP= upto ₹0.35 for product and gift vouchers via netbanking and smartbuy.
  • Convert your RP into cashback at the value of 1RP=₹0.20.

FAQ:

you can directly apply for HDFC Bank Regalia Credit Card by visiting to official website of HDFC bank if you are feeling all the eligibility criteria of card. If you are existing customer of hdfc bank, then you can apply directly thought net banking and also apply offline by visiting the nearest hdfc bank branch.

You can easily activate your HDFC Bank Regalia Credit Card by visiting to neatest HDFC bank ATM. Generate your credit card pin by entering OTP which you got on your registered mobile number and your card will be activated.

Other method of activating your card Is by login into internet banking of HDFC bank and generate your password online.

If your card is lost or stolen, you can easily block your card by contacting customer care no 1860 425 1188 (India) of HDFC bank. You can also block your credit card by log in into internet banking or mobile app of HDFC bank.

HDFC Bank Regalia Credit Card reward points are valid for 2 years after that it will be expired.

Redeeming your HDFC Bank Regalia Credit Card reward points is very easy. You can redeem your reward point via netbanking and HDFC smartbuy.

 

you can easily pay your HDFC Bank Regalia Credit Card bill via following options.

  • Mobile banking app
  • Net banking
  • ATM fund transfer
  • Cash
  • Cheque
  • Auto-pay
  • From a non-HDFC bank account
  • Other credit card payment app like Paytm, cred, PhonePe etc.

Late payment charges of HDFC Bank Regalia Credit Card are various according to your statement amount. Let’s have look on it.

Amount Charges
Less than ₹100 Nil
₹100 to ₹500 ₹100
₹501 to ₹5,000 ₹500
₹5,001 to ₹10,000 ₹600
₹10,001 to ₹25,000 ₹800
₹25,001 to ₹50,000 ₹1100
More than ₹50,000 ₹1300

loan processing charges of HDFC Bank Regalia Credit Card are various according to your loan type. Let’s see

Loan Type Processing fee
Insta loan ₹999 + GST
Jumbo loan ₹999 + GST
Smart EMI ₹799 + GST
Balance transfer on EMI 1% of loan amount + GST (Minimum ₹250)

Disclaimer: we always intend to provide you all updated details. But there is a possibility changes in data, rates, charges and fees by bank and issuer company. So kindly refer all the latest data by visiting official website of issuer before applying. We are not responsible for any legal or financial implication in any case.

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