Are you looking for a credit card that provides you lots of benefits for your shopping, travelling? Then think we have a suggestion for you that you should check out before issuing any credit card for you regarding that purpose? Today in this article, we will discuss a credit card that gives you almost all the perks that we mentioned above. Here we will discuss a credit card launched by India’s one of the most prestigious banks, HDFC bank, and the card name is HDFC Bank Regalia Credit Card.
So, if you are interested to know more regarding this all-rounder credit card, stay with us in the review of this article. After reading the whole article, I can assure you that it can be straightforward for you to decide that should you go for it or not.
Key Features And Highlights
In this article
- This is a card where you get an easy and luxurious lifestyle. Here the company provides you with more than enough discounts, exclusive deals on travelling, shopping, hotel bills, and many more.
- Here you can join the service with an annual fee just of Rs. 2500 and additional GST charges as per the rule of Govt. of India. After joining the service, you get a complimentary Zomato pro membership, which is a welcome offer valid for 1 year.
- The cardholders earn 4 reward points on spending Rs 150 on retailer shop. Here you get 12 free lounge access on the airports across the whole of India. The foreign currency exchange markup fee is also meagre for cardholders, and here only you pay a 2% fee on foreign currency exchange fee. Besides this, you get insurance cover up on air accidents which is up to Rs.1 crore. Here you get a cover of Rs. 15 lakh on overseas emergency hospitalization.
- The cardholders get priority pass membership, additional service on travel concierge etc. many more.
Now, you check the following table from where you get complete knowledge about the key features of this card.
The reward points facility is also a prevalent feature of this card, and that’s why this card is also called a reward credit card. Here you get normal reward points and as well as milestone benefits on this credit card. You can get the solitaire HDFC credit card for more rewards.
When you spend Rs. 150/- then you earn four reward points. On spending of every Rs. 150/- you get the same reward points. There is the spending platform, maybe education, insurance, utilities, rent, whatever it is, you get the same reward points.
Besides this normal reward points system, you also get an additional milestone benefit where you get lots of reward points. If your annual spending is Rs. 5 Lakhs or more, you earn 10,000 reward points as a bonus. And if your annual spending is 8 lakhs or more, you get additional 5,000 reward points under the milestone reward points.
Who Should OPT For This Credit Card?
The most important question that may come to your mind is who should go for this card. So, the answer is if you are looking for a card which gives you a luxurious lifestyle and good reward points, then you should go for this one. Besides this, if you travel nationally or internationally often, this card also gives you too many perks. If you frequently do transactions on foreign currency, you should also issue this card as this card charges only 2% on the foreign currency markup fee.
What Makes This Credit Card Better From Other Credit Cards?
This card is an all-rounder credit card that provides you with a special benefit on travelling and shopping. But the best part is the reward points, and the free airport lounge access provided by the company is too good. Here you get 12 free airport lounge access worldwide over India, which is beneficial for those who travel a lot. And this all features and benefits that you get are too much cheaper than most other credit cards available in the market. You can also get millennia credit card for many similar features .The company only charges you Rs. 2500 as an annual, and here, the card beat almost every card on that available at this price point.
Features And Benefits
You get all the features and benefits after joining the service. The first benefit that you can avail of is a complementary Zomato membership.
i. ZomatoPro Membership
If you spend Rs. 75,000 in the first 90 days, then you get a complimentary pro membership on zomato. But here you only get a discount on the selected hotels.
You can get up to a 40% discount when you order your item from the selected hotels. But the best part is there is no limit to dates. You can access this offer on any day, any time, any week, whenever you earn. Besides this, you get drinks at zero extra cost when you order from the selected restaurant.
ii. Airport Lounge Access
Using this feature, you can access 12 lounge visits in India without paying a single rupee in a year. Besides this, if you are a priority pass member, you get access to more than 1000 Airport lounges worldwide. You can also look for infinia credit card
iii. Travel Concierge Services
Here the company provides their cardholders with travel concierge assistance to provide a next-level travel experience.
iv. Insurance On Air Travel Accident
Here the company provides you with air accidental death insurance, which is up to Rs. 1 crore. Besides this, you get hospitalization cover of Rs. 15 lakhs overseas in the hospitalization.
v. A Waiver On Fuel Surcharge
If you use this card on your fuel transaction, you get a waiver on your fuel transaction bill. If your monthly fuel transaction is between Rs. 400-5000, then you get a maximum of Rs. 500 waived off.
vi. Foreign Currency Markup Fee
This card is charged a meagre amount of charge on the transaction in foreign currency. Here you have to pay only a 2% fee as a foreign currency markup fee.
It is also a significant segment that you can check very carefully before issuing any credit card. Here we talk about all kinds of charges that you have to pay at the joining time or further in the future.
Now, you check the following table to discuss all kinds of charges you have to pay.
Eligibility And Required Documents
The eligibility criteria are fundamental for this card. Here both salaried persons and self-employed are eligible for applying for this card. Here you check the following table where we talk about the eligibility criteria as considered to your profession.
How To Apply For This Credit Card?
The application process is quite simple and as same as the other credit card. If you want to apply for this card, you have to visit the official website of HDFC Bank, and here you find all the guidelines required for this application process. After that, fill up the application form with your necessary information. Then submit the application form, and after that, the bank officials directly contact you via your mobile no. or Email ID.
If you find any difficult to apply online, then you should apply for this card offline. For this, you have to visit the nearest branch of HDFC Bank, where the bank officials will help you regarding the application.
1. How can one earn reward points on this credit card?
When you use this card on your transactions, then you get the reward points. This the simple way by which you can get a lot of reward points from your normal transactions.
2. Is one can earn reward points from the ticket booking of an International flight?
Yes, you earn reward points when you use this card to book your international or domestic flight.
3. If I lost my card, then what can I do?
If you lost your card for any reason, then, first of all, you have to notify the HDFC Bank customer care regarding this. By notifying them, the bank will instantly block your card, and for this, no transaction can be done from your card.
4. Is this card EMV Chip-enabled?
Yes, this card is EMV Chip-enabled. This also a reason why this card is so safe and secure to use.
If you don’t like or afford this card, you have to try these mentioned cards, which is almost the same as beneficial and profitable.
So, these are the complete details and reviews of HDFC bank Regalia credit card. After reading the whole one, I think you should understand all the advantages and disadvantages of this card. If you are looking for a travel reward point credit card, I think this card is perfectly all right. Besides this, this card provides you with many other characteristics that you can use in your daily life to save a decent amount of money without doing any work. You can also have an add on credit card as a secondary credit card for backup features.