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    HDFC Regalia Gold Credit Card

    The HDFC Bank Regalia Gold Credit Card is a premium offering designed to cater to the discerning needs of individuals who appreciate a luxurious lifestyle. This card is particularly well-suited for those who frequently indulge in travel, and retail experiences.

    As a significant upgrade within the HDFC Regalia credit card family, especially in light of the recent devaluation of features on other Regalia variants. This card presents a comprehensive set of features that justify the investment for those who can meet the requisite spending thresholds to optimise its benefits.

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    Easily calculate your monthly EMIs for credit card purchases with Airtel Finance.  Enter the amount, tenure, and interest rate to get instant estimates.

    Purchase Amount ₹10,000
    ₹10,000
    ₹1K₹5L
    Interest Rate 13%
    13%
    5%36%
    Tenure 12 Months
    12 Months
    3M36M
    Unlock Your Credit Card Now

    Key Features and Benefits of Credit Cards

    Credit cards offer several valuable features and perks. Some of the key credit card benefits include:

    • 25% cashback* on Airtel Mobile, Broadband, Wi‑Fi, and DTH bill payments made through the Airtel App
    • 10% cashback* on utility bill payments (electricity, gas, water) made via the Airtel App only
    • 10% Value Back* on online transactions at Zomato, Blinkit, and District Movies, with a minimum order value of ₹499
    • 1% cashback* on all other eligible spends

    *T&C apply .

    Fees and Charges of the HDFC Bank Regalia Gold Credit Card


    HDFC Bank Regalia Gold Credit Card, like most premium credit cards, comes with certain fees and charges that cardholders should be aware of before applying.

    Here is a table summarising the key fees and charges associated with the HDFC Bank Regalia Gold Credit Card:

    Fee Type

    Description

    Annual Fee

    ₹2500 + applicable taxes

    Renewal Fee

    Waived if total annual spends exceed ₹4 lakh

    Foreign Currency Markup

    2% on all international transactions

    Interest Rate

    Applicable for revolving credit, check HDFC Bank website for details

    Eligibility of the HDFC Bank Regalia Gold Credit Card

    To apply for the HDFC Bank Regalia Gold Credit Card, interested individuals must meet certain eligibility criteria.

    Criteria

    Description

    Income

    Salaried: More than ₹1,00,000 of net monthly income

    Self-employed: More than ₹12 lakhs ITR per annum

    Age

    Salaried: 21-60

    Self-employed: 21-65

    Nationality

    Indian citizen or resident

    Credit Score

    Good credit history and score (exact score requirement may vary)

    HDFC Bank Regalia Gold Credit Card Activation Process

    Activating your HDFC Bank Regalia Gold Credit Card is a simple process that needs to be completed within a specific timeframe to prevent card closure.

    There are several methods to activate your HDFC Bank Regalia Gold Credit Card:

    • Through Credit Card Usage: Activate your card by using it for at least one online or POS transaction.
    • Setting Credit Card PIN:
      • Through IVR: Call the IVR number 1860 266 0333, input your card number, validate through OTP, and set your preferred PIN.
      • Through Net Banking: Log in to your net banking account, visit the "Cards" section, and change your PIN. This option is available only for customers with savings, salary, or current accounts.
      • Through ATM: Set your PIN at an HDFC Bank ATM using the OTP sent to your registered mobile number.
    • Through MyCards Portal: Visit HDFC Bank website log in through OTP, and link your credit card. Enable online, contactless, and/or international transactions by clicking on the "Card Control" tab.
    • Through WhatsApp Banking: Save the number 7070022222 and send a message saying "Manage My Credit Card" to enable your card.
    • Through Eva: Interact with HDFC Bank's online personal assistant, EVA, on the bank's website to enable your card.
    • SmartPay Registration: Add billers to your credit card and register for SmartPay by giving standing instructions on your credit card.

    According to the Reserve Bank of India's (RBI) guidelines, you must activate your HDFC Bank Regalia Gold Credit Card within 37 days from the card open date. This includes a 30-day period plus a 7-day grace period. If you fail to activate the card within this time frame, the bank will close the card.

    How to Redeem the Points


    The HDFC Bank Regalia Gold Credit Card offers a rewards programme where you can earn points on your transactions. Here's how you can redeem those points:

    • Conversion to Air Miles: You can convert your reward points into air miles on partner airlines.
      • Log in to the HDFC Bank rewards portal.
      • Navigate to the "Rewards" or "Points Redemption" section.
      • Select the option to convert points to air miles.
      • Follow the prompts to complete the redemption.
    • Gift Vouchers: You can redeem your points for gift vouchers from various brands.
      • Log in to the HDFC Bank rewards portal.
      • Select the gift voucher option.
      • Choose the brand and voucher amount.
      • Follow the prompts to complete the redemption.
    • Cash Back: Some programmes allow you to redeem points for cash back, which is credited to your credit card account.
      • Log in to the HDFC Bank rewards portal.
      • Select the cash back option.
      • Follow the prompts to complete the redemption.

    Other Rewards: Points can also be redeemed for other rewards such as merchandise, experiences, or charitable donations, depending on the specific rewards programme offered by HDFC Bank.

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