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HDFC Bank

HDFC Bank Regalia Gold Credit Card

HDFC Bank Regalia Gold Credit Card

  • Joining Fee :

    Rs. 2,500 + GST

  • Renewal Fee :

    Rs. 2,500 + GST

  • Reward Type :

    Reward Points

Welcome Benefits

Welcome benefit of complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over Rs. 1 Lakh inside 90 days of getting the card issued

Best suited for

Shopping

Product Details

  • Complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over ₹1 lakh within 90 days of getting the card issued.

  • 1500 worth of vouchers from any one of M&S, Myntra, Reliance Digital, or Marriott on spending Rs. 1.5 Lakhs each quarter

  • 5,000 worth of complimentary flight vouchers on spending Rs. 7.5 Lakhs in the card anniversary year

  • 4 Reward Points on every retail spend of Rs. 150 and 5X accelerated Reward Points on every Rs. 150 spent on purchases at M&S, Nykaa, Myntra, and Reliance Digital

  • 12 complimentary lounge access in India at both international and domestic terminals every year

  • 6 complimentary lounge access outside India through the Priority Pass

  • Air death cover up to Rs. 1 Crore and Rs. 9 Lakh lost card liability cover

  • Renewal fee waiver on spending Rs. 4 Lakhs in the card anniversary year

  • Low foreign currency markup fee of 2%

Rewards & Benefits

  • Movie & Dining

  • 20% Discount via Swiggy Dineout

  • Rewards Rate

  • Get 4 Reward Points on every spend of Rs. 150 on retail including utilities, insurance, and education. Get 20 Reward Points on every spend of Rs. 150 on Myntra, Marks and Spencers, Nykaa, and Reliance Digital

  • Reward Redemption

  • Redeem RPs for flight/hotel bookings via the Smartbuy portal at the rate of 1 RP = Rs. 0.50, convert RPs into airmiles through Netbanking at the rate of 1 RP = 0.50 Airmiles, Redeem RPs for products and gift vouchers on the Smartbuy portal at the rate of 1 RP = Rs. 0.35, and Redeem RPs against the Exclusive Gold Catalogue on Smartbuy at the rate of 1 RP = Rs. 0.65

  • Travel

  • Complimentary Flight Tickets on Reaching Spend Milestones

  • Golf

  • NA

  • Domestic Lounge Access

  • 3 Complimentary Domestic Airport Lounge Access Every Quarter (12 Each Year)

  • International Lounge Access

  • 6 complimentary international lounge access

  • Insurance Benefits

  • Accidental air death cover up to ₹1 crore, emergency overseas hospitalisation cover worth ₹15 lakhs, credit liability cover up to ₹ 9 lakhs

  • Zero Liability Protection

  • Cardholder will not be liable for fraudulent transactions made with the credit card if he reports about the loss in a timely manner

Fees & Charges

  • Spend Based Waiver

  • Renewal Fee Waiver on Spending Rs. 4 Lakh in a Year

  • Rewards Redemption Fee

  • Rs. 99

  • Rewards Redemption Fee

  • Rs. 99

  • Foreign Currency Markup

  • 2% on all forex transactions

  • Interest Rates

  • 3.6%

  • Fuel Surcharge

  • N/A

  • Cash Advance Charges

  • 2.5% of total amount or Rs. 500, the higher one

  • Add-on Card Fee

  • Nil

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