In today’s fast-moving world of credit cards, finding the ideal companion to match your financial style can be a game-changer. Here comes the HDFC Regalia Gold Credit Card, a top-notch option that brings a bunch of perks and advantages designed for smart individuals like you. Whether you’re someone who travels often, a fan of dining out, or simply want to take your shopping up a notch, this card has gained a lot of attention for its special features.

In this article, we’ll dive into the important qualities that make the HDFC Regalia Gold Credit Card stand out. From its fancy travel privileges to the cashback rewards it offers, we’ll explore how this card might make your financial journey even better. So, if you’re wondering whether this credit card suits your needs, keep reading to find out all about what this prestigious card has to offer.

Contents:

Deep Exploration of HDFC Regalia Gold Credit Card:

¬ HDFC Regalia Gold Credit Card: Features, Benefits, and Review

Friends HDFC Regalia Gold Credit Card is a credit card that comes under the category of Reward Points of HDFC Bank. HDFC Bank has launched another new credit card in its Regalia series, which we are going to know about today. Now what are the new features you get to see in this new credit card, let us know –

Welcome Benefits:

On issue of the HDFC Regalia Gold Credit Card, you are given a gift voucher of ₹2500 equivalent to the joining fee amount.
Apart from this, if you spend ₹ 100000 or more within 90 days after taking this credit card, then you get free membership of Complimentary Club Vistara Silver Tier and MMT Black Elite. Click Here to view Welcome benefits redemption process.

Lounge Access:

You can enjoy a total of 12 complimentary Lounge access instances within India, which are applicable at both domestic and international terminals. Click here to check the list of lounges
Access more than 1000 airports with the privilege of complimentary lounge access, offering you a comfortable sanctuary in your travel adventures.
Moreover, if you’re travelling abroad, you and your add-on member can collectively make use of up to 6 Complimentary Lounge Access opportunities each year through Priority Pass.
Getting the Priority Pass is hassle-free. Once you’ve completed a minimum of 4 retail transactions on your HDFC Bank Regalia Gold Credit Card, you become eligible to apply for the Priority Pass for yourself and your add-on members. Click here to apply
However, it’s worth noting that if you happen to exceed the limit of 6 Complimentary visits, a charge of US $27 + GST will apply for each additional visit. This is applicable for international lounge access.
Even if you use your Priority Pass for lounge access within India, the same charge of US $27 + GST per visit will be applicable.

Additional Features:

In the unfortunate event of misplacing your HDFC Bank Regalia Gold Credit Card, a prompt report to our 24-hour call center absolves you of any liability for fraudulent transactions on your Credit Card.
On foreign currency spends, a nominal 2% foreign currency markup will be applied.
The luxury of 24/7 Concierge Services exclusively caters to your needs, making your HDFC Bank Regalia Gold Credit Card an all-inclusive asset.
Delight in significant savings of up to 20% on your restaurant bills, ensuring every dining experience becomes more rewarding via Swiggy Dineout’s network of 20,000+ restaurants.
The HDFC Bank Regalia Gold Credit Card embraces contactless payment technology, offering you the convenience of swift and secure payments at retail outlets. Look for the contactless network symbol on your Card to confirm its contactless capability.

Reward Points:

Explore a world of rewards as you earn 20 Reward Points for every Rs. 150 spent on retail* purchases at renowned brands like Marks & Spencer, Myntra, Reliance Digital, and Nykaa.
Every Rs. 150 spent on retail* expenses, including Insurance, Utilities, and Education, earns you 4 Reward Points, enhancing the value of your everyday spending.
Notably, certain transactions do not qualify for reward points, such as fuel, wallet payments, rent, EMI, and government payments.
For insurance transactions, there’s a maximum cap of 2000 Reward Points per day, ensuring you still reap benefits while managing your insurance needs.
Grocery transactions also have their own reward point cap, with a maximum of 2000 Reward Points available per calendar month.

More for You: Multi Award Wining HDFC Times Platinum Credit Card

Reward Points Redemption System:

Your hard-earned Reward Points can be put to great use through convenient redemption methods like Smartbuy and Netbanking. Here’s how you can use your Reward Points effectively:

Use Smartbuy for exclusive gold catalogue items from premium brands at 1 RP = Rs 0.65
Redeem for flights and hotels via Smartbuy at 1 RP = Rs 0.5
Convert to airmiles via Netbanking/SmartBuy at 1 RP = up to 0.5 airmiles
Get products and vouchers on Netbanking/SmartBuy at 1 RP = up to Rs 0.35
Offset statement balance at 1 RP = Rs 0.20

Click Here to view reward points redemption process.

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Milestone Benefits:

Earn vouchers worth ₹1,500 from a selection of renowned brands like Marriott, Myntra, Marks & Spencer, or Reliance Digital upon spending Rs. 1.5 Lakhs in each calendar quarter.
Achieve flight vouchers worth ₹5,000 when your annual spends reach Rs. 5 Lakhs in an anniversary year.
Elevate your benefits with an extra set of flight vouchers worth ₹5,000 when your annual spends reach Rs. 7.5 Lakhs in an anniversary year.

Click here to see the Milestone Benefit Redemption Process.

Insurance Benefits:

Safeguard with an accidental air death cover of Rs. 1 Crore.
Gain peace of mind with emergency overseas hospitalization coverage, extending up to Rs. 15 lakhs.
Shield yourself against credit liability with coverage of up to Rs. 9 Lakhs. Click here for know more

Eligibility Criteria for HDFC Bank Regalia Gold Credit Card:

For Salaried Indian Citizens:

Age: Between 21 and 60 years.
Net Monthly Income: Minimum Rs. 1,00,000.

For Self-Employed Indian Citizens:

Age: Between 21 and 65 years.
Income: Annual Income Tax Return (ITR) exceeding Rs. 12 Lakhs.

Joining Fee & Annual Fee:

Joining Fee: Rs. 2500+GST
Annual Fee: Rs. 2500+GST

By spending Rs. 4 lakhs within an anniversary year spanning 12 billing cycles, you can have the Renewal Fee for the upcoming renewal year waived.

Detailed view of its fees & charges.

Final Words:

HDFC Regalia Gold Credit Card is an updated version of HDFC Regalia Credit Card from HDFC Bank. The new transfer partners that HDFC Bank recently added to their card were not available on the Regalia Credit Card, but on the Regalia Gold Credit Card, you get to see all those transfer partners. HDFC’s Regalia Credit Card and Regalia Gold Credit Card both have the same fees and charges and their benefits and features are largely the same.

In Regalia Gold Credit Card, you can see more benefits in some categories and you can see more benefits in Milestone Benefits as well, apart from this, all the other features are similar to the Regalia credit card, but the design of these two credit cards is different. In our opinion, instead of launching another new credit card, HDFC Bank would have added some of these extra features to its Regalia Credit Card itself, it would have been better because there are a lot of similarities between these two cards.

Pros and Cons of HDFC Regalia Gold Credit Card: