The HDFC Bank Regalia Gold Credit Card comes loaded with an array of benefits and features that cater to the diverse needs of its cardholders.

Welcome Benefits

Upon paying the joining fee, new cardholders of the HDFC Bank Regalia Gold Credit Card will receive a welcome voucher worth ₹2,500, which can be redeemed across various partner brands. You will also get complimentary Swiggy One and MMT Black Gold Membership when you spend Rs. 1 lakh and above within 90 days of card issuance.

Other Benefits

The HDFC Bank Regalia Gold Credit Card offers a plethora of other benefits that make it a valuable addition to your wallet:

Airport Lounge Access:

• You are entitled to 12 complimentary domestic airport lounge visits annually, with no quarterly limits.
• For international lounge access, you can take advantage of the Priority Pass membership, which allows up to 6 visits per year for both the primary cardholder and add-on members.

Milestone Benefits:

• On quarterly spends of ₹1.5 lakh, you will receive vouchers worth ₹1,500 from popular brands such as Marriott, Myntra, Marks & Spencer, or Reliance Digital.
• If you spend ₹5 lakh annually, you will be awarded flight vouchers worth ₹5,000.
• On spends of ₹7.5 lakh, you will receive an extra ₹5,000 in vouchers.

Reward Points:

• You can earn 4 reward points for every ₹150 spent on daily and retail purchases, including groceries, apparel, utilities, bill payments, insurance, and school fees.
• You can earn 5X reward points on spends at lifestyle brands such as Myntra, Marks & Spencer, Reliance Digital, and Nykaa, allowing you to accelerate your reward earnings.

Concierge Services:

The card offers round-the-clock concierge services, available 24/7 to cater to your specific needs and requirements.

Insurance Coverage:

The HDFC Bank Regalia Gold Credit Card includes an accidental air death cover of ₹1 crore, emergency overseas hospitalisation coverage of up to ₹15 lakh, and credit liability cover of up to ₹9 lakh, giving you peace of mind while travelling.

Fee Waiver:

As a cardholder, you can enjoy a fee waiver on the renewal fee if you spend more than ₹4 lakhs in an anniversary year, effectively offsetting the annual cost of the card.

Redemption Options:

You can choose from exclusive products in the Gold Catalogue, flights, hotels, and airmiles. The redemption value varies based on the option selected. For instance, 1 reward point is equivalent to ₹0.65 for the Gold Catalogue, while it is worth ₹0.5 for flights and hotels.

Additional Features:

The card also offers a contactless payment facility for fast and convenient transactions, adding to its overall convenience and usability.

The HDFC Bank Regalia Gold Credit Card comes packed with an array of benefits that make it an attractive choice for those who enjoy travelling out, and shopping.

Notable benefits of the Regalia Gold Credit Card include:

• Contactless payments with the Tap to Pay feature for faster transactions
• Concierge services available 24/7 for travel planning, bookings, and other assistance
• Up to 7.5% savings on restaurant bill payments via Swiggy Dineout
• Complimentary Swiggy One and MMT Black Elite membership on spends of ₹1 lakh and above within 90 days of card issuance
• Get complimentary lounge access to over 1,000 lounges globally, including 12 in India and up to 6 outside India using Priority Pass
• Earn flight vouchers of ₹5,000 on spending ₹5 lakh and an additional ₹5,000 on spending ₹7.5 lakh
• Earn reward points of 4 points per ₹150 on retail spends, 20 points at select merchants
• Get travel insurance of accidental air death cover up to ₹1 crore, emergency overseas hospitalisation up to ₹15 lakh, and credit liability cover up to ₹9 lakh

While the Regalia Gold Credit Card offers an impressive array of benefits, it is essential to understand the associated fees and charges to make an informed decision.

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 hdfcbank.com, 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.

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.