The HDFC Bank Regalia Gold Credit Card is a premium offering designed for individuals who want to enjoy exclusive rewards, premium lifestyle benefits, and comprehensive protection. With its variety of rewards, access to luxury services, and fantastic travel-related benefits, this card is ideal for frequent travelers and high spenders. we will delve into the eligibility criteria, fees, charges, and the wide range of features and benefits this credit card has to offer.
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Eligibility Criteria for HDFC Bank Regalia Gold Credit Card
Before applying for the HDFC Bank Regalia Gold Credit Card, it’s essential to ensure you meet the eligibility criteria. Here are the key requirements:
For Salaried (Non-Government Employees)
- Age: Minimum 21 years and Maximum 60 years
- Net Monthly Income: Greater than ₹1,50,000
For Self-Employed (Non-Government Employees)
- Age: Minimum 21 years and Maximum 65 years
- Income: ITR greater than ₹18 Lakhs per annum
For Salaried (Government Employees)
- Age: Minimum 21 years and Maximum 60 years
- Net Monthly Income: Greater than ₹1,00,000
These eligibility parameters ensure that the HDFC Regalia Gold Credit Card is available to individuals with stable financial standing and the ability to manage high-value credit responsibly.
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Fees and Charges of HDFC Bank Regalia Gold Credit Card
The HDFC Bank Regalia Gold Credit Card comes with a joining and renewal fee as follows:
- Joining/Renewal Fee: ₹2,500 + applicable taxes
Additionally, there may be other charges for various transactions and services, so it’s important to familiarize yourself with the complete fee structure before applying. For a detailed list, please visit the official HDFC website.
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Key Features of HDFC Bank Regalia Gold Credit Card
The HDFC Bank Regalia Gold Credit Card is packed with several exciting features designed to elevate your lifestyle and shopping experience. Here’s a rundown of its most attractive benefits:
1. Welcome Benefits
- Complimentary Swiggy One and MMT Black Gold Membership as welcome benefits. (Starting November 2024, Swiggy One replaces Club Vistara Silver Tier).
2. Reward Points
- Earn 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa, and Reliance Digital.
- 4 Reward Points for every ₹150 spent on retail purchases (excluding certain spends like fuel).
- Get ₹1,500 worth vouchers for spending ₹1.5 lakh quarterly.
- ₹5,000 flight vouchers on annual spends of ₹5 lakh, with an additional ₹5,000 voucher for spending ₹7.5 lakh.
3. Complimentary Airport Lounge Access
- 12 complimentary lounge accesses within India (both domestic and international terminals).
- Priority Pass membership for international lounges, offering 6 complimentary visits per calendar year.
4. Dining Benefits
- Avail flat 10% extra off on dining bills at over 35,000 restaurants across India with the Good Food Trail Program.
5. Smart EMI Facility
- Convert high-value purchases into easy EMIs with flexible repayment options.
6. Concierge Services
- Enjoy 24/7 Concierge Services to assist you with various lifestyle services.
7. Travel and Protection
- Accidental Air Death Cover of ₹1 crore (USD 125,000).
- Emergency Overseas Hospitalization cover up to ₹15 lakh.
- Credit Liability Cover up to ₹9 lakh.
8. Zero Lost Card Liability
- Report a lost card and you will have zero liability on any fraudulent transactions.
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Milestone and Annual Spend Benefits
To maximize your benefits, the HDFC Regalia Gold Credit Card rewards you for your spending:
- Milestone Benefits:
- ₹1,500 worth vouchers for spending ₹1.5 lakh in a quarter.
- ₹5,000 worth flight vouchers for spending ₹5 lakh annually, with an additional ₹5,000 for ₹7.5 lakh.
- Renewal Fee Waiver:
- Spend ₹4 lakh in an anniversary year, and you can enjoy a waiver of the renewal fee for the next year.
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International Benefits
For those who love to travel internationally, the HDFC Bank Regalia Gold Credit Card comes with several perks:
- Foreign Currency Markup: 2% on all foreign currency spends.
- Priority Pass: Enjoy complimentary lounge access at over 1,000 airports worldwide.
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How to Apply for HDFC Bank Regalia Gold Credit Card
To apply for the HDFC Bank Regalia Gold Credit Card, you can follow these simple steps:
- Visit the Official HDFC Bank Website: Go to the credit card section and choose the Regalia Gold Card.
- Fill in the Application Form: Provide your personal, professional, and financial details.
- Submit Documents: Upload required documents such as proof of income, address proof, and identification.
- Wait for Approval: Once your application is processed, you will be notified of approval.
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Conclusion
The HDFC Bank Regalia Gold Credit Card is a premium credit card offering a wide range of benefits designed for high-income earners. With its fantastic rewards program, travel-related benefits, and exclusive lifestyle perks, this card is perfect for individuals who want to elevate their shopping and travel experiences. Whether you are looking for lounge access, dining discounts, or travel insurance, this credit card covers it all.
Ensure that you meet the eligibility requirements before applying, and take full advantage of the various benefits it offers. With attractive rewards, milestone benefits, and comprehensive protection, the HDFC Bank Regalia Gold Credit Card could be the perfect addition to your wallet.
For more details on the fees, charges, and application process, visit the official HDFC Bank website.