HDFC Bank Regalia Gold Credit Card

9.1

Expert ScoreRead review

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%

HDFC BANK

Category: Credit Cards Tag: Rewards

Reward Type

Reward Points

Renewal Fee

Rs. 2500 plus taxes

Joining Fee

Rs. 2500 plus taxes

Type of Card

Shopping

Welcome Benefits

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

USP of Card

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%

Fees & Charges

Spend Based Waiver

Interest Rates

3.6% per month

Cash Advance Charges

2% on all forex transactions

Rewards Redemption Fee

Rs. 99 per redemption request

Fuel Surcharge

Foreign Currency Markup

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

Late Payment Fee

Add-on Card Fee

Nil

Rewards & Benifit

Movie & Dining offers

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,

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

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

Travel

Complimentary domestic and international lounge access, complimentary MMT Black Elite and Club Vistara Silver Tier membership, and complimentary flight tickets on reaching spend milestones.

Online Shopping offers

10% extra discount on selected hotels

Insurance Benefits

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

Domestic Lounge Access

12 complimentary domestic lounge access

International Lounge Access

6 complimentary international lounge access

9.1Expert Score

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%

Best values score

9.1

PROS

Zero liability in case of loss of credit card. Simply report it in a timely manner.
Enjoy the exclusive 24/7 concierge service that comes with the Regalia Gold Credit Card.
You can enjoy access to both domestic and international lounges, with 12 and 6 visits per year respectively

CONS

There are no entertainment benefits available for movies or dining.
A fee of ₹99 is applicable for reward redemption.
Card renewal fee waiver is at a high cost of ₹4 lakhs

9.1Expert Score

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%

Best values score

9.1

PROS

Zero liability in case of loss of credit card. Simply report it in a timely manner.
Enjoy the exclusive 24/7 concierge service that comes with the Regalia Gold Credit Card.
You can enjoy access to both domestic and international lounges, with 12 and 6 visits per year respectively

CONS

There are no entertainment benefits available for movies or dining.
A fee of ₹99 is applicable for reward redemption.
Card renewal fee waiver is at a high cost of ₹4 lakhs

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HDFC Bank Regalia Gold Credit Card