HDFC Bank’s Regalia Credit Card is the one of the premium card. This card gives lots of benefits and features to the users. Let us discuss about more details of regalia credit card about benefits and features, charges and how to apply for this regalia credit card. This regalia credit card now called as regalia gold credit card.
Features and Benefits of HDFC Bank Regalia Credit Card:
- For Every Rs.150 spends you will get 4 Reward points.
- Complimentary airport lounge access
- Rs.1,500 worth voucher on quarterly spend of 1.5 Lakhs.
- Rs. 5,ooo worth fight booking vouchers on yearly spends of 5 Lakhs and also additional Rs.5,000 on 7.5 lakhs spends
- 5X Reward Points of spends of Myntra, Nyka, Reliance digital etc.
- Complimentary Membership of Vistara, MMT black elite
Additional Feature of Regalia credit card:
Interest free period: This Regalia credit card gives an interest free period up to 50 days.
EMI Options: Bank gives option of EMI conversion on Retail spends on the card. This EMI option you can choose based on your convenient. Some E-commers transactions like AMAZON, FLIPKART, MYNTRA and Reliance Digital may give the No cost EMI option also based on the product and festival basis.
Zero Cost Liability: In the unfortunate event of loosing regalia credit card , on reporting immediately to the customer support , you have zero liability on fraudulent transactions made on your credit card. Bank will block your credit card and replace the same with new card.
Less Markup fee: On spend of international transactions unlike other credit card, this regalia card will have less currency conversion charges of only 2%. but where as other cards will have 3.5% on international spends.
Contactless Payment option: This credit card will have the option of tap and pay to make the transactions with out entering the PIN number. This Tap & Pay feature can be enable and disable at any time. This option works up to Rs.5000 on the EDC machine.
Free Insurance: Bank provides Complimentary insurance of 1 Cr on accidental air death and Emergency overseas Hospitalization up to 15 Lakhs. And also provides credit liability worth up to 9 Lakhs.
Eligibility for Regalia credit card:
For Salaried resident individuals:
Age: Minimum 21 years and maximum of 60 years
Salary: Monthly Salary of more than 1 Lakh.
For Business Resident individuals:
Age: Minimum age of 21 years and maximum of 65 years
Income: ITR should be more than 12 Lakhs per year
Fees and Charges of Regalia card:
This Regalia card will have charges of Rs. 2500 on joining/renewal fee, But if this charges applicable then bank will give reward points or voucher worth of Rs.2500. This yearly fee waived of when customer uses the threshold spends on annual basis.
How apply regalia credit card:
HDFC Regalia credit card can be applied through HDFC bank website after meeting the eligibility criteria, and also can be applied from any HDFC branch.
*If the credit card is not activated with in 37 days after the receival, then this credit card will close automatically as per the regulations. If you wants to use the card need to apply new card.
