Know about the Benefits & Eligibility of HDFC Regalia Credit Card
HDFC regalia credit card is a gateway for luxury and comfort lifestyle. It comes with a load of offers and benefits. Therefore, it is ideal for the person looking for a credit card with features, reward points, lounge benefits, fuel surcharge waiver, dining benefits, milestone benefits and many more offers. Anyone who is salaried or self-employed is eligible to apply on passing the minimum eligibility criteria.
Therefore, if you are too looking for a luxurious lifestyle, you can check the benefits and eligibility to apply for the HDFC regalia credit card given down below:
Benefits of HDFC regalia credit card:
∙ You get 12 complimentary Airport Lounge Access per calendar year within India (both domestic and international terminals) using the HDFC Bank Regalia Credit Card. So you can swipe your Regalia credit card at the lounge to avail yourself of complimentary lounge access.
∙ You can apply for a Priority Pass for yourself and add on members on your HDFC Bank Regalia Credit Card.
∙ To be eligible, you need to complete a minimum of 4 retail transactions. ∙ You and your add-on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India.
Fuel surcharge waiver:
∙ You get a 1% fuel surcharge waiver at all fuel stations across India. ∙ To be eligible, you need to make a minimum transaction of ₹400 and a maximum of ₹5000.
You can get exclusive complimentary Dine Out Passport Membership which offers:
∙ Assured flat 25% off at 2000+ premium restaurants
∙ 1+1 on a buffet at 200+ restaurants
∙ Additional 5% off and Zero convenience fee.
∙ Early access to events and festivals
∙ You can earn a Bonus of 10,000 Reward Points when you spend Rs. 5 lakhs in the anniversary year.
∙ Earn additional 5,000 Reward Points when you spend Rs. 8 lakhs spends in the anniversary year
∙ The renewal fee is waived off on the condition that you spent more than 3L in the previous year.
Contactless payment facility:
∙ The HDFC Bank Regalia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. However, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction in India.
∙ To see if your Card is contactless, look for the contactless network symbol on your Card.
Zero lost card liability:
∙ Even if you lose your HDFC Bank Regalia Credit Card, you have zero liability on any fraudulent transactions made on your Credit Card on reporting it immediately to our call centre.
EMI payback option:
∙ The HDFC bank provides you with the option to convert your big spending into EMI after purchase. It helps you to enjoy stress-free repayment. However, this option does attract a specific interest rate.
Cashback and reward points:
∙ You can earn 4 Reward Points on every Rs. 150 spent on all retail spending, including Insurance, Utilities, Education and Rent Pay.
∙ On annual spends of Rs. 5 lakhs, you can earn 10,000 Reward Points. ∙ Earn additional 5,000 Reward Points on annual spends of Rs. 8 lakhs. ∙ Cashback at a value of 1 RP = Rs 0.20
Eligibility to apply for HDFC regalia credit card:
Now that you know about the exciting offers awarded on the HDFC regalia credit card, you should see if you are eligible to apply for the Card or not. The eligibility is given below:
For salaried Individuals:
- Age: the minimum age should be 21 years & Maximum up to 60 Years · The net Monthly Income should be more than Rs 1 Lakh
For Self-employed Individuals:
- Age: the minimum age of the applicant should be 21 years & Maximum up to 65 Years
- ITR should be more than Rs 12 Lakhs per annum
Fees and charges on HDFC regalia credit card:
Joining/ Renewal Membership Fee – the bank charges Rs. 2500/- + Applicable Taxes as the joining and renewal fees.
HDFC bank is one of the most trusted private sector banks in India. The HDFC bank Regalia credit card is quite a beneficial credit card for comfort lovers. After reading this blog, you now know the best credit cards benefits, the eligibility to apply for the Card, and the joining or renewal fee. You can think about getting the Card. However, it would be best to compare the offers and benefits of other credit cards before deciding.