HDFC BANK REGALIA CARD

At times when you crave to have some premium indulgences, the HDFC bank Regalia credit card brings a bountiful of benefits to treat you with the best of all tastes. Regalia credit card by HDFC bank carries a bunch of rewards and cashbacks on categories like travel and lifestyle. Besides that, there is much to explore with joining benefits, complimentary treats, and dining. This section will take you through everything you need to know about HDFC Regalia credit card and count the benefits it has in the bag.

HDFC Regalia Credit Card Fees & Charges

TYPE	CHARGES
Reward Type	Dining. Shopping and Travel
First year membership fee	Rs.2,500 + taxes
Renewal fee	Rs.2,500 + taxes (waived if you spend Rs.3 lakh in one year)
Interest rate	3.49% per month
Overlimit account charges	2.5% of the amount or a minimum of Rs.500
Additional card fee	Nil
Revolving credit charges	3.49% per month
Payment return charges	2% of the payment amount subject to a minimum amount of Rs.450
Cash advance charges	2.5% of the amount withdrawn
Cash processing fee	Rs.100
Late payment fee	Less than Rs.100 - None Rs.100 to Rs.500 - Rs.100 Rs.501 to Rs.5,000 - Rs.500 Rs.5,001 to Rs.10,000 - Rs.600 Rs.10,001 to Rs.25,000 - Rs.800 Above Rs.25,000- Rs.950
Rewards redemption fee	Rs.99 per redemption request
Re-issue of damaged/lost/stolen card	Rs.100
Balance transfer processing fee	Rs.250 or 1% of the balance transfer amount, whichever is higher
Railway ticket booking fee	1.8% of the transaction amount +taxes
Foreign currency transaction fee	2% of the transaction amount
Outstation cheque processing charge	Cheque value of less than Rs.5,000- Rs.25 Cheque values above Rs.5,000- Rs.50

Features and Benefits of HDFC Bank Regalia Credit Card

HDFC Regalia credit card brings tons of benefits on a multitude of categories such as lifestyle, dining, online shopping, travel etc.

Here are some attractive features and benefits of HDFC Regalia credit card:

1. Rewards

HDFC Regalia credit card reward points are simply irresistible. You get 4 reward points on every Rs 150 spent on retail purchase. Apart from that:

You get 10,000 reward points when you make a transaction over Rs 5 lakh in the anniversary year.
You get an additional set of 5000 reward points on purchases over Rs 8 lakh in the anniversary year.

You can redeem reward points on retail purchases such as premium products, vouchers, flight bookings etc.

2. Joining Benefits

HDFC Regalia credit card treats you with a complimentary Zomato Pro membership as a welcome benefit. You can enjoy this welcome benefit after you spend Rs 75000 using the HDFC Regalia card.

3. Dining Benefits

You get to relish the benefits of dining at different restaurants using your HDFC Regalia credit card. This credit card enables you to enjoy flat 25% on dining at over 2000 premium restaurants. You also get 1+1 on buffet at over 200 restaurants. On the top, you get an additional petk of 5%. However, the card allows you to enjoy these benefits only when you have made spends of Rs 75000 in a quarter with it.

4. Lounge Access

HDFC Regalia credit card lets you enjoy complimentary lounge visits at domestic and international airports. You can swipe your Regalia credit card and enjoy 12 complimentary lounge visits every calendar year.

5. Fuel Surcharge Waiver

HDFC Regalia credit card allows you to enjoy a waiver on your fuel expenses at any petrol station in the country. The credit card features 1% fuel surcharge waiver for transactions between Rs 400 to Rs 5000 at all the petrol stations across the country.

6. SmartEMI

Why pay off the outstanding credit card balance in full and disturb the budget when you can simply break them into EMIs? You can convert your HDFC Regalia transactions into Equated Monthly Installments and pay the outstanding balance in small amounts every month. You can contact the bank to get your HDFC credit card transactions converted into EMIs and know more about it.

7. Zero Cost Liability

If you end up experiencing the loss of your HDFC Regalia credit card then you can report it to the bank. The bank allows you to have zero liability on any fraudulent activities performed with your credit card. You should inform the bank about such an event immediately.

8. Renewal Fee Waiver

Regalia credit card brings you the opportunity to get your renewal fee waived off. If you have spent at least Rs 3 lakh in a year then the HDFC Regalia renewal fee for next year will be waived off.

HDFC Regalia Credit Card Reward Point Redemption

You can only redeem HDFC Regalia reward points on premium products, vouchers and travel. You can visit the official website of HDFC bank in order to redeem Regalia reward points. You can also contact the bank customer service and seek help with rewards redemption.

Eligibility Criteria for HDFC Regalia Credit Card

You are required to meet the eligibility standards designed by the bank in order to get the HDFC Regalia credit card. The bank checks your eligibility on factors like the employment type, income, age etc. which you are supposed to meet for getting the credit card.

Here is the eligibility criteria for HDFC bank Regalia credit card:

The applicant should be salaried or self employed.
The minimum age of an applicant should be 21 years.
The maximum age of a salaried individual should be 60 years and the maximum age of a self employed individual should not be more than 65 years.
The net monthly income of a salaried individual should be more than Rs 70,000.
The annual income of a self employed individual should be at least Rs 8.4 lakh.

Documents Required for HDFC Bank Regalia Credit Card

The bank asks you to submit some documents before providing you the credit card. When applying for a HDFC credit card, you should make sure that you have all the documents ready to be submitted with the application.

Here are the documents that are required for HDFC Regalia credit card:

Documents	Salaried Individuals	Self Employed Individuals
ID Proof	Aadhar Card, Passport, Voter ID	Aadhar Card, Passport, Voter ID
Address Proof	PAN Card, Driving Licence, Electricity Bill, Water Bill	PAN Card, Driving Licence, Electricity Bill, Water Bill
Income Proof	Salary Slips, Bank Statements, Form 16. IT Returns	Salary Slips, Bank Statements, Form 16. IT Returns
Other Important Documents	PAN Card, Passport-size Photographs	PAN Card, Passport-size Photographs

Other Credit Card Offered by HDFC Bank

Diners Club Black Card	Rs. 10000/-
MoneyBack Card	Rs. 500/-
Teachers Platinum Card	Rs. 500/-
Snapdeal HDFC Card	Rs. 500/-
JetPrivilege HDFC Diners Club Card	Rs. 10000/-
Titanium Times Card	Rs. 500/-
Regalia First Card	Rs. 1000/-
Platinum Times Card	Rs. 1000/-
HDFC Infinia Card	Rs. 10000/-
Doctors Superia Card	Rs. 1000/-
Diners Club Miles Card	Rs. 1000/-
HDFC Solitaire Card	Rs. 500/-
Corporate Platinum Card	Nill
HDFC Corporate Card	Nill
Platinum Plus Card	Rs. 399/-

How to Apply for a HDFC Regalia Credit Card

You can use the offline or online method to apply for the HDFC bank regalia credit card. You can also contact the HDFC customer service to enquire about the credit card application process.

Here is how to apply for a HDFC Regalia credit card:

Apply for HDFC Regalia credit card offline

If you have decided to apply for HDFC Regalia credit card offline then you can visit the nearest branch of HDFC bank and apply for it. Take all the necessary documents to the bank when visiting the bank.

Apply for HDFC Regalia credit card online

You can follow the steps mentioned below in order to apply for a HDFC bank Regalia credit card:

Visit the official HDFC bank website.
Click on the “Pay” drop down menu.
Select “Credit Cards”.
Now, click on “Regalia Credit Card”.
After that, click on the “Apply Online” button.
Now, you can continue with the application form where you will have to enter the required details.
Submit the application once you have entered all the required details.

HDFC Bank Regalia Card Customer Care

Contact number : 18604251188

Email id : regalia.support@smartbusyoffers.co

FAQs On HDFC Regalia Credit Card

Q.1 How can I pay my HDFC bank credit card bills?

You can use the following channels to pay HDFC credit card bills:

Q.2 Who can apply for an HDFC credit card?

Indian Salaried and self-employed individuals can apply for HDFC Regalia credit card. The age bracket for applicants is 21 years to 65 years.

Q.3 For how long will my HDFC reward points be valid?

The HDFC reward points remain valid for 2 years.

Q.4 What are the annual fee charges that are applied in HDFC Bank for regalia credit cards?

The annual fee charges are Rs .2500 plus applicable tax that are applied in HDFC Bank for regalia credit card.

Q.5 What are the rewards points given in a regalia card from HDFC Bank?

The regards points are given in a regalia card from HDFC Bank are :

4 points on Rs.150 spent
Rs.5000 point every year an annual spent Rs.8 lakh
Rs.1000 point every year an annual spent Rs.5 lakh
1 Reward point = Reward on annual spent Rs.0.50

Q.6 What are the renewal fees provided in HDFC Bank for regalia credit cards?

The renewal fee provided in HDFC Bank for regalia credit card is Rs .2500 plus applicable tax.

Last Updated on : 24/Mar/2021

You're eligible for a Hdfc Bank Regalia Card if you:

Are legally adult enough to handle it

Have still got it

Get a regular pay check

Make more than a basic buck

Your eligibility depends on:

Earn more than minimum income required

Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs

EMIs of other loans loweryour eligibility

Boost your eligibility by:

Pay off your credit card bills

Choose longer tenure loan up to 5 years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

1. Photo ID and age proof

2. Signed application form with photograph

3. Residence proof

4. Last 6 months bank statement

5. Documentation for salaried applicants:

Last 3 months salary - slips

Form 16 or Income Tax Returns

6. Documentation for self-employed applicants:

Last 3 years Income Tax Returns with computation of Income

Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account