HDFC Bank is an Indian banking and financial services company. It was established in 1994 and their headquarters at Mumbai. It is one of India leading private banks. HDFC Bank offers a wide range of financial products and banking services to customers.
The Regalia credit card from HDFC Bank comes with a host of lifestyle and travel rewards. HDFC Regalia Credit Card is among the most popular cards by HDFC Bank. This card offers its users with excellent rewards and benefits on shopping, travel and dining. It is lifetime free on completing 4 transactions of Rs.500 plus in a month for the first 3 consecutive months. Salaried professionals and self employed applicants are eligible to take HDFC Bank Regalia Credit Card.
1. Spend Rs.5 lakh or more in an anniversary year and earn 10,000 reward points.
2. You can avail up to 15% discount on the bill every time you dine-out.
3. Earn rewards faster with your Regalia card. Redeem your accrued points for attractive gifts and rewards available exclusively for Regalia cardholders.
4. Enjoy up to 50 days of interest-free period.
5. Enjoy a low foreign currency mark-up fee of 2% when you use your card overseas
6. Salaried professionals and self employed applicants are eligible for HDFC Bank Regalia Card.
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Welcome Benefit |
Zomato Gold Membership for a year that offers : 1. Complimentary dish on every visit 2. Complimentary 2 drinks on every visit You can avail of this complimentary membership after spending worth Rs. 75,000 within the first three months of getting your Regalia Credit Card. |
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Travel Benefit |
Complimentary airport lounge visit Travel concierge services Comprehensive air travel cover Airport privileges |
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Reward Points Benefits |
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 |
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Fuel Surcharge Benefits |
1% fuel surcharge waiver at all fuel station across India on minimum transaction of Rs.400 and Rs.5000 No reward points are earned on fuel transactions |
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Air Accident Benefits |
Accidental air death cover worth Rs.1 lakh Emergency overseas hospitalization upto Rs.15 lakh Credit liability cover of upto Rs.9 lakh |
To apply for a regalia card, you have to pay fees and charges applied by the HDFC Bank. It covers all charges and fees made by a bank to their customers.The following charges are taken from HDFC Bank i.e joining fee, annual fee, interest rate, late payments charges etc.
|
TYPE |
CHARGES |
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Reward Type |
Dining. Shopping and Travel |
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First year membership fee |
Rs.2,500 + taxes |
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Renewal membership fee |
Rs.2,500 + taxes (waived if you spend Rs.3 lakh in one year) |
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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 |
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Payment return charges |
2% of the payment amount subject to a minimum amount of Rs.450 |
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Cash advance charges |
2.5% of the amount or a minimum of Rs.500 |
|
Cash processing fee |
Rs.100 |
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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 |
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Re-issue of damaged/lost/stolen card |
Rs.100 |
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Balance transfer processing fee |
Rs.250 or 1% of the balance transfer amount, whichever is higher |
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Railway ticket booking fee |
1.8% of the transaction amount +taxes |
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Foreign currency transaction fee |
2% of the transaction amount |
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Outstation cheque processing charge |
Cheque value of less than Rs.5,000- Rs.25 Cheque values above Rs.5,000- Rs.50 |
Before applying for a regalia card from HDFC Bank, you should fulfil all basic eligibility criteria as prescribed by the bank. For the regalia credit card the Salaried professionals and self employed applicants are eligible to take a loan. You will get your card very soon if you meet all the required eligibility criteria once the documentation is done.
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ELIGIBLE |
Salaried professionals and self employed applicants |
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AGE |
For salaried = 21 years to 60 years For self employed = 21 years to 65 years |
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INCOME |
For salaried = More than Rs.1.2 lakh For self employed = Annual income should be more than Rs.12 lakh |
Any applicant who is applying for a regalia card from HDFC Bank must have to submit the following documents. These documents are the requirements for the lenders who are providing you the credit card.
1. KYC Documents = PAN, address proof and ID proof
2. Coloured photograph
3. Income Proof = Last 3 month salary slip
4. Last 3 months bank statement
5. ITR or Form 16
HDFC Bank Regalia Card Customer Care
Contact number : 18604251188
Email id : regalia.support@smartbusyoffers.co
There are two reason to apply for HDFC Bank Regalia Card :
1. Offline Method : By visiting the nearest branch of HDFC Bank.
2. Online Method :
Enter the required details and proceed
Filter the results of HDFC credit cards and then you can find HDFC Bank Regalia credit card in the list
Click on ‘Check Eligibility’ and enter some more details to verify your eligibility for the card
If approved, you can fill out the detailed form and submit
After successful online application, you will get a call from the executive to arrange for collecting your documents at your doorstep
Financials products offered by Bank
The annual fee charges are Rs .2500 plus applicable tax that are applied in HDFC Bank for regalia credit card.
For salaried professionals the age is 21 years to 60 years is required and for self employed applicants the age is 21 years to 65 years is required to get a regalia credit 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
Yes, you can apply for an HDFC Bank regalia credit card online.
You can contact through customer care toll free number and also through e-mail id for a regalia card from HDFC Bank.
The minimum late payment charges Rs.100 and maximum charges are Rs.950 of HDFC Bank for regalia card.
Shopping, travel and dining rewards are included in HDFC Bank regalia credit cards.
Salaried professionals and self employed applicants are eligible to take the HDFC Bank Regalia credit card.
The interest rate is 3.49% per month provided by HDFC Bank for regalia cards.
The renewal fee provided in HDFC Bank for regalia credit card is Rs .2500 plus applicable tax.
Last Updated on : 07/Sep/2020Know More About CREDIT CARDS
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