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HDFC Bank Regalia Gold Credit Card – Features & Benefits

The new Regalia Gold card by HDFC Bank is loaded with exclusive travel and shopping benefits. It offers a great reward rate on all retail spends and 5X reward points on purchasing from partner brands and merchants. Let’s know more about the features and benefits of this newly launched credit card in detail.

Welcome Benefits

After successfully paying joining fees, you will receive a gift voucher worth ₹2500. You will also receive a complimentary MMTBLACK Gold and Swiggy One membership upon spending over ₹1 Lakh within 90 days of getting the credit card issued. The welcome benefits must be claimed within 60 days from the benefit end date, and the complimentary memberships are valid for one year.

Swiggy One Membership-

• Unlimited free delivery
• Member-only discount
• No surge charges
• Discount on Swiggy Genie

MMTBLACK Gold Membership –

• 10% extra discount on selected hotels
• Early check-ins, free room upgrades, discounts on beverages, food, etc., at specific hotels
• Make travel spends on MakeMyTrip and get My Cash. You can use the My Cash for a booking.

Milestone Benefits

• You get complimentary flight tickets and gift vouchers for achieving annual and quarterly spend-based milestones.
• On spending ₹1.5 Lakhs in a calendar quarter, you get ₹1500 worth of vouchers from M&S, Myntra, Marriott, and Reliance Digital. You can redeem just one voucher from any merchant per quarter.
• If you spend ₹5 Lakhs, you will get ₹5,000 worth of flight vouchers.
• Spending ₹7.5 Lakhs in the card anniversary year earns you additional flight vouchers worth ₹5000.

Domestic Lounge Access

• Get 12 complimentary domestic lounge access at Indian airports every year for both international and domestic terminals.
• Use your Regalia Gold card to get complimentary lounge access—the airport lounge charges for all visits after the complimentary quota is reached.

International Lounge Access

• Get six complimentary international lounge access every year through the Priority Pass for both the primary and add-on cardholders.
• After you complete at least four transactions with your Regalia Gold credit card, you can apply for Priority Pass membership. After you finish the complimentary quota, all visits cost USD 27 plus GST.

Annual Spend-Based Waiver

You can get the card renewal fee waived on spending ₹4 Lakh in the card anniversary year.

Insurance Benefits

• You get an accidental air death cover up to ₹1 Crore
• You can get an emergency hospitalization cover up to ₹15 Lakhs
• Get credit liability cover worth ₹9 Lakhs

HDFC Bank Regalia Gold Credit Card Reward Structure

• Get 4 Reward Points on every spend of ₹150 on retail, including utilities, insurance, and education, with a maximum cap of 2000 RPs per month on grocery transactions and 2000 RPs per day on insurance transactions.
• Get 20 Reward Points on every spend of ₹150 on Myntra, Marks and Spencers, Nykaa, and Reliance Digital with a maximum cap of 5000 RPs across all brands.

Reward Points Redemption

• You can redeem RPs for flight/hotel bookings via the Smartbuy portal at the rate of 1 RP = ₹0.50
• You can 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 = ₹0.35
• Redeem RPs against the Exclusive Gold Catalogue on Smartbuy at the rate of 1 RP = ₹0.65
• You can also redeem the RPs as cashback against your card statement balance at the rate of 1 RP = ₹0.20. The maximum cashback redemption cap is 50,000 RPs per month.

HDFC Bank Regalia Gold Credit Card Eligibility

You should thoroughly review the eligibility requirements of any credit card before applying for it. The following are the age and income requirements for the Regalia Gold credit card.

In addition to these requirements, you must have a good credit score and credit history to be approved for the credit card.

Who Should Apply for the Credit Card?

This is one of the best HDFC Bank credit cards in the rewards and travel categories. It suits high-spenders who use their credit card for most of their spending. This allows them to make the most of the reward points earned, which can be redeemed against various options like products/vouchers, converted to air miles, and against the Exclusive Gold Catalog.

You should get the card if you plan to spend a lot of money with it and collect reward points. The rewards can be redeemed for premium brands, travel, etc. Also, as a milestone benefit, the card offers travel vouchers instead of bonus points, and you should definitely go for the card if you travel frequently.

HDFC Bank Regalia Gold Credit Card Review

The HDFC Regalia range of cards is one of the most popular by HDFC Bank, and you get some of the best lifestyle and travel benefits with the Regalia Gold credit card. You get exciting welcome and milestone benefits with this card and reward points on every retail spend.

There are partner merchants on which you can earn accelerated reward points and redeem your points against cashback, flight/hotel bookings, Airmiles, or products from the Exclusive Gold Catalogue. For frequent travelers, the card also offers flight vouchers on reaching spend milestones and complimentary domestic and international airport lounge access.

If you are a responsible credit card user, the Regalia Gold credit card is worth getting because of its excellent benefits and reward program. In the comments, let us know your thoughts about the new Regalia Gold credit card and whether you are willing to get it.