The Regalia Credit Card, provided by the HDFC Bank, is a great option for frequent travelers: the card offers many travel benefits to its customers, such as 12 Complimentary Airport Lounge Access within India and 6 outside India. To know more about it, keep reading!
Features and Benefits
| Key Features | Get 12 Complimentary Airport Lounge Access within India and 6 outside India,Earn bonus 10,000 Reward Points on Rs. 5 lakhs spent and additional 5,000 Reward Points on Rs. 8 lakhs spent in an anniversary year,Earn 4 Reward Points on every Rs.150 spent. |
| Zero Lost card liability | If you lose your card, report it immediately to the HDFC 24-hours call center. You’ll have zero liability on any fraudulent transactions made on your Credit Card. |
| Foreign Currency Markup | 2% on all your foreign currency spent. |
| Revolving Credit | Enjoy Revolving Credit on your HDFC Bank Regalia Credit Card at nominal interest rate. |
| Concierge | Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Regalia Credit Card. |
| Lounge Access | Avail 12 complimentary access per calendar year within India (both at domestic and international terminals) using the HDFC Bank Regalia Credit Card,Apply for Priority Pass and, by using it, get up to 6 Complimentary Lounge Access per calendar year, outside India. |
| Fuel Surcharge Waiver | Avail a 1% fuel surcharge waiver at all fuel stations across India. |
| Dining Benefit | Assured flat 25% off at 2000+ premium restaurants,1+1 on buffet at 200+ restaurants,Additional 5% off and Zero convenience fee,Early access to events and festivals such as Gourmetlicious. |
| Milestone Benefit | Earn Bonus 10,000 Reward Points when you spend Rs. 5 lakhs in the anniversary year,Earn additional 5,000 Reward Points when you spend Rs. 8 lakhs spends in the anniversary year |
| Smart EMI | Convert your big spends into EMI after purchasing. |
| Insurance Benefits | Accidental air death cover worth Rs. 1 Crore,Emergency overseas hospitalization: up to Rs. 15 lakhs,Lost Card Liability Cover : Up to Rs 9 lakhs. |
| Reward Points and Cashback | Earn 4 Reward Points on every Rs.150 retail* spends including Insurance, Utilities and Education,Earn 10,000 Reward Points on annual spends of Rs. 5 lakhs,Earn additional 5,000 Reward Points on annual spends of Rs. 8 lakhs. |
Fees and Taxes
This card comes with the following charges:
| Joining Fee | Rs. 2,500 |
| Annual Fee | Rs. 2,500 (waived off on spending Rs. 3 lakh in a year) |
| Finance Charges | 3.6% p.m. (43.2% p.a.) |
| Late Payment Charges | For Statement Balance:Less than Rs. 100: NilRs. 100 to Rs. 500: Rs. 100Rs. 501 to Rs. 5,000: Rs. 500Rs. 5,001 to Rs. 10,000: Rs. 600Rs. 10,001 to Rs. 25,000: Rs. 800Rs. 25,001 to Rs. 50,000: Rs. 1,100More than Rs. 50,000: Rs. 1,300 |
Eligibility Criteria
To apply for this card, consider these criteria:
- Minimum Income for Salaried Applicants: Rs.1 lakh p.m.
- Minimum Income for Self-employed Applicants: ITR > Rs. 12 lakh p.a.
Required documents:
- Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI,
- Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account,
- Proof of Income: The latest one or 2 salary slips, Latest Form 16, Last 3 months’ bank statement.