HDFC Regalia Gold Credit Card

The additional features of HDFC Gold Regalia Credit Card are given below:

• Zero Liability for Lost Cards: In the unfortunate event that you lose your HDFC Bank Regalia Gold Credit Card, as long as you immediately notify our 24-hour call centre, you are not responsible for any unauthorised purchases made with your Credit Card.
• Mark up currency: All of your foreign currency purchases will be marked up by 2%.
• Revolving Credit: Take advantage of low-interest revolving credit on your HDFC Bank Regalia Gold credit card.
• Boarding Edge Program: Upload your boarding pass on SmartBuy to enjoy any two of these benefits in each calendar quarter: complimentary spa access, buffet, hotel room upgrade and airport transfer. 
• SmartBuy Rewards: Earn up to 10X reward points on hotel and flight bookings and 5X reward points on instant vouchers through SmartBuy. 

Lounge Access

You can enjoy complimentary lounge access when using the HDFC Gold Regalia Credit Card. The conditions under which you can enjoy free lounge access are given below:

• The HDFC Bank Regalia Gold Credit Card offers 3 complimentary lounge visits within India per calendar quarter, on spends of Rs.60,000 or more in the preceding calendar quarter.
• Use your HDFC Bank Regalia Gold credit card to enter the lounge for free by scanning it there.
• Visits that go over the complimentary allotment and lounges that are not included in the program will be permitted at the lounge's discretion and will also incur fees.
• You can track your domestic lounge eligibility on SmartBuy by logging in and going to Milestone Benefits, then Airport Lounge Benefit within India. 

Priority Pass

• You and your add-on member can use Priority Pass to get up to six complimentary lounge visits outside of India each year.
• Once you have used your HDFC Bank Regalia Gold Credit Card for a minimum of 4 retail purchases, you canapply for Priority Pass for yourself and any additional members. Apply by clicking here.
  

Welcome Benefit

If you spend Rs.1 lakh within 90 days of the issuance of the card, then you can avail a complimentary Swiggy One and MMT Black Gold membership.

Milestone Benefit

• When you spend Rs.1.5 lakh in each calendar quarter, you will receive coupons from Myntra, Nykaa, Reliance Digital or Marriott worth Rs.1,500.
• When you spend Rs.5 lakh in an anniversary year, you will receive flight vouchers worth Rs.5,000.
• Receive bonus flight vouchers worth Rs.5,000 when you spend Rs.7.5 lakh in an anniversary year.
• Milestone benefits, once unlocked, are valid for 60 days. 

Annual Spend based Benefit

If you spend Rs.4 lakh in a anniversary year, then the renewal fee for the next billing year will be waived off.

Contactless Payment

The HDFC Bank Regalia Gold Credit Card has contactless functionality, enabling quick, simple, and safe payments at retail establishments.

Insurance

• Accidental air death insurance worth Rs.1 crore.
• Emergency medical care abroad: up to Rs.15 lakh.
• Coverage for credit liability of up to Rs.9 lakh.

Reward Point/CashBack Redemption & Validity

• Including insurance, utilities, and education, earn 45 reward points for every Rs.200 in retail purchases.
• Spend Rs.200 on retail at Myntra, Nykaa, Reliance Digital and more, and receive 25 Reward Points.
• The maximum number of reward points you can earn in a statement cycle is 50,000.

Reward Point Redeeming

• You can use SmartBuy or NetBanking to use your reward points. Reward Points can be exchanged for the following items through SmartBuy. Here 1 reward points is = Rs.0.65.
• Booking hotels and flights with Smartbuy at the rate of 1 RP = Rs.0.50. Reward Points can also be converted to airmiles through net banking at the rate of 1 RP = up to 0.5 airmiles.
• Items & Gift Cards with a 1 RP = up to Rs.0.35 value via Netbanking or SmartBuy.
• You can redeem up to 70% of the booking value on flights, hotels and experiences through reward points, and the remaining amount must be paid through the credit card.
• Redemption of reward points against the statement balance, and for flight and hotel bookings on SmartBuy, is capped at 50,000 reward points per month.

Eligibility

Given below are the eligibility criteria you will need to fulfil to apply for the HDFC Gold Regalia Credit Card:

• Age must be between 21 years and 60 years for salaried Indian nationals, with a gross monthly income of more than Rs.1.5 lakh.
• For government employees who are Indian nationals, age must be between 21 years and 60 years, with a gross monthly income of more than Rs.1 lakh.
• For a self-employed Indian citizen, minimum age is 21 years while the maximum age of eligibility is 65 years, with annual income tax returns of more than Rs.18 lakh per annum.
• Documents required: identity proof (passport, Aadhaar card, voter ID, driving licence or PAN card), address proof (utility bill, rental agreement, passport, Aadhaar card or voter ID) and income proof (salary slips, income tax returns, Form 16 or bank statements).

Fees and Charges

Summary

The HDFC Regalia Gold Credit Card is a travel and lifestyle card that offers Swiggy One and MMT Black Gold memberships, reward points on retail spends, spend-based milestone vouchers and airport lounge access. You can apply online or at an HDFC Bank branch if you meet the age and income criteria listed above. Review the fee and eligibility sections before you apply.

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