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Revolutionizing Rewards: Exploring the Latest Advancements of the HDFC Regalia Gold Card

by Busines Newswire
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HDFC Regalia Gold offers cardholders luxury travel and lifestyle benefits. One can also avail of benefits across multiple categories like rewards, milestone benefits, perks, and training programs. It was launched in 2011, but now, after 12 years, it has launched an extended variant, i.e., the HDFC Regalia Gold credit card. HDFC Regalia Gold is one of the best Airport Lounge Access Credit Cards. It comes with a joining fee of INR 2500. Let us now go through its benefits and features.

Features and Benefits

Mentioned below are the features and benefits of the HDFC Regalia Gold Credit Card:

  • Get a complimentary Club Vistara Silver Tier and MMT Black Elite Membership on INR 1 lakh and above spent within 90 days of the issuance of the Regalia card.
  • Get 12 HDFC Regalia Lounge Access within India.
  • Get up to 6 airport lounge access globally with Priority Pass for self and add-on members outside India. The priority pass can be applied on completion of a minimum of 4 retail transactions.
  • Get airport pick-up or drop vouchers on flight bookings.
  • Get 5X reward points on lifestyle brands like Myntra, Reliance Digital, Nykka, and Myntra.
  • Get 4X reward points for every INR 150 spent on daily and retail spending.
  • Get vouchers worth INR 1500 from Mariott International, Marks and Spencer, and Myntra for every INR 1.5 lakh spent every quarter.
  • Get Smartbuy flight vouchers worth INR 5000 on spending INR 5 lakhs and an additional INR 5000 worth of vouchers on spending INR 7.5 lakhs.
  • Get a waiver of renewal fees on spending INR 4 lakhs.
  • Get up to 20% savings on restaurant bill payments via Swiggy and Dineout.
  • In the event of an unfortunate loss of a card, you should report it to the customer support centre. You will then not be liable for any fraudulent transactions made on your card.
  • Get 2% on all foreign currency spends.
  • Enjoy revolving credit on your card at a nominal interest rate.
  • Pay joining fees and get a gift voucher worth INR 2500.
  • This card is enabled for contactless payments, which facilitates fast, secure, and convenient payment.

Eligibility Criteria

Mentioned below are the eligibility parameters to be met in order to apply for an HDFC Regalia Credit card:

  • An applicant should be an Indian national.
  • In the case of a salaried individual, the minimum age of an applicant should be 21 years.
  • In the case of a salaried individual, the maximum age of an applicant should be 60 years.
  • In the case of a salaried individual, the net monthly income should be more than INR 1 lakh.
  • In the case of a self-employed individual, the minimum age of an applicant should be 21 years.
  • In the case of a self-employed individual, the maximum age of an applicant should be 65 years.
  • In the case of a self-employed individual, the net monthly income should be more than INR 12 lakhs per annum as per ITR.

Fees and Charges

Mentioned below are the fees and charges associated with the HDFC Regalia Credit Card:

Particulars Details
Joining Fee INR 2,500
Annual Fee INR 2,500 (waived off on spending INR 4 lakh in a year)
Finance Charges 3.6% p.m. (43.2% p.a.)
Late Payment Charges For Statement Balance:

 

●        Less than INR 100: Nil

●        INR 100 to INR 500: INR 100

●        INR 501 to INR 5,000: INR 500

●        INR 5,001 to INR 10,000: INR 600

●        INR 10,001 to INR 25,000: INR 800

●        INR 25,001 to INR 50,000: INR 1,100

●        More than INR 50,000: INR 1,300

Documents Required

Mentioned below is the list of documents required to apply for HDFC Regalia Gold Credit Card:

Title Details
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, or

●       Any other government-approved photo ID proof

Proof of Address ●       Aadhaar card

●       Driver’s License

●       Passport

●       Utility Bills not more than 3 months old

●       Ration Card

●       Property Registration Document

●       Person of Indian Origin Card

●       Job card issued by NREGA

●       Bank Account Statement or

●       Any other government-approved address proof

Proof of Income ●       Latest one or 2 salary slips (not more than 3 months old)

●       Latest Form 16

●       Last 3 months’ bank statement

How do you apply for an HDFC Regalia Gold Credit Card?

Mentioned below are the steps to apply for an HDFC Regalia Gold Credit Card:

Step 1: Launch the HDFC official website.

Step 2: Visit the “Credit Cards” page on the HDFC website.

Step 3: Using the HDFC eligibility calculator, check for your eligibility.

Step 4: It will recommend the card that best suits your needs.

Step 5: Provide the address and employment details.

Step 6: Using your debit card or net banking, authorise the application.

Step 7: The application will then be reviewed internally.

Step 8: A new card will then be issued on successful approval.

How do you link the HDFC Regalia Gold Card to the HDFC Bank Account?

Mentioned below are some easy steps to link the HDFC Regalia Gold Credit Card to an HDFC Bank Account via net banking:

Before proceeding to link the HDFC Credit Card to the HDFC Bank account, one should register for HDFC Net Banking. Submit the form along with the details required to get your IPIN number, which would be the net banking password for the account.

Also, one can visit the nearest branch to get registered with Net Banking by filling out a form and getting the details, including Username and Password.

Step 1: Log in to the official website of HDFC Bank, i.e. www.hdfcbank.com

Step 2: Go to the tab “Net Banking” and log in to your HDFC Net Banking account.

Step 3: Click “Continue”.

Step 4: Enter your Customer ID and password. Click on “Continue”.

Step 5: Select the “Register New Card” link.

Step 6: Provide details like card number, PIN number, and Expiration date.

Step 7: Click on ‘Submit”.

Step 8: Enter the OTP received on the registered mobile number.

Step 9: Click on “Submit”.