If you love travelling the world, it means you will spend a lot on tickets, rentals, tours, and so much more. This also means you need a reliable credit card that supports your travel and lifestyle needs with huge benefits on every transaction. The HDFC Bank Regalia Credit Card is great for beginners who want luxurious rewards.

With an annual charge of Rs2,500, you get reward points of about 2,500 as a welcome bonus. However, HDFC runs FYF (First Year Free) or LTF (Life Time Free) offers often based on bank relationship or spending criteria. There are a lot of advantages when using this card which cuts across various categories like travel, dining, lifestyle, and so on. Regalia has been HDFC’s go-to point credit card for a beginners to mid spend users for a very long time.

But it remains the cheapest and most sorted out card than all the other premium cards with all the benefits other bank cards offer. Regalia credit card is ideal for you to carry out your online shopping and dining. Travelers get free access to Airport Lounges within and also outside India. The HDFC Regalia Credit Card truly provides luxurious benefits as you travel in style. Other benefits include up to 4 points on every Rs. 150 spent while using the card, 24/7 concierge services, and fast points payout. We have reviewed the benefits of the HDFC Regalia credit card below.

HDFC Regalia Credit Card – Main Highlights

Purpose	Travel & Lifestyle
Joining/ Renewal Fee	Rs. 2500 + GST
Eligibility	Salary Earners (Indian national) Age: 21 – 60 Years Monthly Net Income: Rs 1 Lakh & above Self-Employed (Indian national) Age: 21 – 65 Years Income Tax Returns: More than Rs 12 Lakh yearly Relationship with HDFC Bank You might get preapproved card offer without any documents need if you have good relationship with HDFC Bank.
Credit Card Type	Reward Points
Benefits	2,500 bonus reward points 4 reward points on every Rs. 150 spent on All purchases. 10,000 Bonus points on completing milestone of Rs. 5 lakh, and an extra 5,000 bonus reward points on Milestone of Rs. 8 lakhs in an anniversary year. Complimentary 12 Domestic Airport Lounge Access and 6 International airport lounges.

Features and Benefits of HDFC Regalia Credit Card

Every time the HDFC Regalia Credit Card is used for online, web, or POS transactions, users get rewarded with bonus points which makes the card very valuable to carry along. Its functionality and benefit are reason enough to make this your primary credit card for all your travel spending needs. Some of the features and benefits include the following:

Regalia Credit Card Reward Points

You earn 4 Reward points on every Rs. 150 spent on all online and offline transactions including Utilities, Insurance, and Education. However, you will not any reward points on Fuel, EasyEMI, and wallet-loading transactions.
You can accelerate reward points by spending on travel and shopping via the SmartBuy platform which offers 5x Reward Points on hotels and bus ticket bookings and 3x RPs on Rail tickets and Flipkart shopping. You can only get a maximum of 4,000 accelerated reward points per month with your regalia card. However, there is no capping on your regular spends.
Insurance transaction points are subject to 2,000 per day while grocery is capped at 2,000 reward points monthly.
Reward points are not acquired on property management, government, and rental spending.
From the date of accumulation, Reward points are valid for 2 years.
If you do not use your card for a year, all your reward points earned will be invalidated.
For any transaction converted to EMI, any reward points earned will be reversed.

Joining fees:

To get the Regalia Credit Card, you have to pay a joining fee which is Rs. 2,500 + GST. You will get 2,500 reward points as welcome benefits after paying the annual charge and each point is worth 50 paisa if used for Flight booking using Smartbuy and 20 Paisa if used for cash redemption.

Eligibility:

You must be at least between ages 21-60 years for salary earners with a monthly net income of Rs 1 Lakh. For self-employed, you have to be between 21-65 years with an Income Tax Return of more than Rs 12 Lakhs per annum.

Annual Fee Waiver:

Anyone who spends at least 3 lakhs the previous year gets a waiver on the annual fee charge for card renewal. This means you get a free card for second year if you spend that high, it is great for people who would use the card for daily use.

Airport Lounge Pass:

With the HDFC Regalia card, you get free access to about 12 airport lounges within India in a year, this includes both domestic and international terminals in the country. You also get additional access to 6 airport lounges outside India using Priority Pass. Therefore, with this car, you get to explore 6 lounge visits outside India with your partner. Visits after the complimentary visits are chargeable at US $27 per person per visit.

Great Dining Benefits:

One amazing feature all premium credit cards offer is fine dining in style. With the HDFC credit card, be sure to enjoy the awesome “Good Food Trail program” which offers users up to 20% discounts on all restaurant bill payments using “Swiggy Dineout”. To enjoy these discounts, cardholders must pay bills with their credit card via the dine-out Swiggy app which spans more than 20,000 member restaurants in 20 cities within India. Be sure to check if the city you plan on visiting has Dineout member restaurants where you can use your card.

Required Documents

The following documents are required during the application process and they include proof of address, valid means of identification, and proof of income for the bank to evaluate. These documents include the following:

Proof of Identity– Voter’s Id, Aadhar Card, Passport, Driving License, PAN Card, etc.
Proof of Address–Aadhar Card, Driving License, Utility Bills, Passport, Ration Card, etc.
Proof of Income– latest ITR, latest bank statement, Latest salary slips etc.

Additional Features of HDFC Regalia Credit Card

Zero Liability: If you lose your Regalia credit card and you report the incident immediately through the 24/7 call center, you get zero liability on any illegal transactions on the credit card as it is covered by insurance.
The markup on Foreign Currency: Compared to other premium credit cards out there that charge up to 3.5%, HDFC Regalia offers a 2% charge on payments in foreign currency using the card.
Revolving Credit: This is an interest accrued on all cash advances on the card from the date of withdrawal until full repayment is made. The rate is pegged at 3.60% monthly or 43.2% annually and it is subject to change based on the terms of HDFC Bank.
Concierge: You can enjoy concierge services for free and someone is always available (24/7) to talk to you via their toll-free on 1860 425 1188 (India) regarding your queries. Or you can send them an email to regalia.support@smartbuyoffers.co.
Surcharge Waiver on Fuel: Card users get to enjoy a 1% surcharge waiver on fuel across all fuel stations in India if they spend a minimum of INR 400 and a maximum of INR 5,000.
Insurance: The Regalia card insurance also covers accidental air death with INR 1 crore, up to INR 15 lakhs on emergency overseas hospitalization, and up to 9 lakhs for lost card liability.

Note: To enjoy your insurance coverage, it is good to have your card with you at all times and also book your travel tickets with your card to avail you of the air accident death and emergency overseas hospitalization cover.

Conclusion

HDFC Bank Regalia Credit Card is an amazing credit card that offers great benefits. It is the best option for beginner to mid spenders who like to spend on things that make their travel easier via credit card. This card offers good reward points as you carry out retail transactions, so make the most out of its benefits and avail yourself of one for your next trip.

It allows you to enjoy priority access at airport lounges within and outside India, gives you low foreign currency markup fees, and access to more than 20,000 dine-out restaurants with dining benefits. It also offers insurance benefits, fuel surcharge, and so much more. Get the HDFC Bank Regalia Credit card and travel the world in luxury.