The HDFC Regalia Gold Credit Card is one of HDFC Bank’s most sought-after premium cards, offering a powerful mix of travel perks, reward points, and lifestyle benefits. Designed for frequent travelers and high-spending individuals, it provides complimentary lounge access, a rewarding points system, and exclusive discounts on dining and travel bookings. With a reasonable annual fee that can be waived upon meeting spending criteria, the Regalia Card is a strong contender in the premium credit card segment. In this HDFC Regalia Credit Card Review, we’ll break down its top features, benefits, fees, and whether it’s the right choice for you.
HDFC Regalia Gold Credit Card Benefits
1. Reward Points Program
- Earn 4 Reward Points (RP) per ₹150 spent on most transactions.
- Redeem points for flight and hotel bookings, products, vouchers, and even air miles.
- Conversion Rate: 1 RP = ₹0.50 when used for travel bookings via SmartBuy.
- Points can also be converted to air miles (2 RP = 1 mile) for select airlines.
- Note: Fuel, wallet reloads, and EMI transactions do not earn points.
2. Travel Benefits
- Airport Lounge Access:
- 12 complimentary domestic lounge visits annually.
- 6 international lounge visits per year via Priority Pass membership.
- Foreign Exchange Markup: A reduced 2% markup on foreign currency transactions, making it ideal for international travel.
- Comprehensive Travel Insurance: Includes ₹1 crore air accident cover and ₹15 lakh medical emergency cover.
3. Lifestyle & Dining Perks
- Exclusive Dining Discounts: Get up to 25% off at partner restaurants via the Dineout Passport program.
- Concierge Services: 24/7 assistance for travel bookings, event reservations, and more.
Fees & Charges
- Joining Fee: ₹2,500 + GST (Waived if you spend ₹3 lakh in the first year).
- Annual Renewal Fee: ₹2,500 + GST (Waived if annual spends exceed ₹3 lakh).
- Interest Rate: 3.6% per month (43.2% annually) on revolving credit.
- Cash Withdrawal Fee: 2.5% of the withdrawn amount (Min ₹500).
Eligibility Criteria
- Salaried Individuals: Minimum annual income of ₹12 lakh.
- Self-Employed Individuals: Minimum annual income of ₹15 lakh.
- Age Requirement: 21 to 60 years for salaried, 21 to 65 years for self-employed.
Reward Redemption & Savings Calculation
The SmartBuy portal offers the best redemption value, allowing users to redeem points at 1 RP = ₹0.50 for flights, hotels, and vouchers.
For example:
- If you spend ₹6 lakh annually, you earn 16,000 RP (₹8,000 value in travel bookings).
- Combine this with dining discounts, lounge access, and forex savings, and you could save over ₹15,000 annually.
HDFC Regalia vs. Other Premium Cards
| Feature | HDFC Regalia | HDFC Regalia Gold | Axis Magnus | SBI Elite |
|---|---|---|---|---|
| Annual Fee | ₹2,500 | ₹2,500 | ₹10,000 | ₹4,999 |
| Rewards (per ₹150) | 4 RP | 5 RP | 12 RP | 2 RP |
| Lounge Access | 12 Domestic + 6 Int’l | 12 Domestic + 6 Int’l | Unlimited | 8 Domestic |
| Forex Markup | 2% | 2% | 1.5% | 3.5% |
| Best For | Travel & Lifestyle | Higher Rewards | Ultra-Premium | Shopping & Travel |
HDFC Regalia Credit Card Review
If you’re looking for a premium lifestyle credit card with solid travel perks, lounge access, and a rewarding points program, the HDFC Regalia Credit Card is a great choice. The annual fee is easily waivable, making it a cost-effective option for frequent travelers and high spenders.
However, if you want a higher reward rate or unlimited lounge access, you might want to consider upgrading to HDFC Infinia or exploring alternatives like Axis Magnus.
FAQs
1. How do I apply for the HDFC Regalia Credit Card?
You can apply online via the HDFC Bank website or visit a branch with your income proof and KYC documents.
2. How long do HDFC Regalia reward points last?
They expire after 2 years, so it’s best to redeem them in time.
3. Can I get a lifetime free HDFC Regalia card?
No, but you can waive the annual fee by spending ₹3 lakh in a year.
4. What is the foreign exchange markup on this card?
Only 2%, making it one of the best forex-friendly cards in India.
5. Can I upgrade from HDFC Regalia to Infinia?
Yes, if you have high spending patterns and meet Infinia’s eligibility criteria, you can request an upgrade.
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