HDFC Bank Regalia Credit Card: Benefits, Eligibility, and Application Process

The HDFC Bank Regalia Credit Card is a premium credit card that offers numerous benefits to its users. It is designed for individuals who want to earn rewards, enjoy travel perks, and have a high credit limit.

To be eligible for the HDFC Bank Regalia Credit Card, you must have a good credit history and a stable income. The bank considers various factors, including your income, credit score, and employment status.

The HDFC Bank Regalia Credit Card application process is straightforward. You can apply online through the bank's website or visit a branch near you.

The HDFC Regalia Credit Card is suitable for individuals who have a high salary or income, with a limit of Rs 1,00,000 per month for salaried individuals and ITR above Rs 12 lakh p.a. for self-employed individuals.

The card has a renewal fee of Rs 2500, but this can be waived off if you spend Rs 3,00,000 in the last year.

Here's a summary of the card's suitability and fees:

The HDFC Regalia Credit Card is a popular choice for those who want to enjoy travel and lifestyle benefits. It's suitable for salaried individuals with a monthly income of Rs 1,00,000 or more.

To be eligible for this card, you'll need to have a salary of Rs 1,00,000 per month if you're salaried, or an annual income of over Rs 12 lakh if you're self-employed, as per the card's terms.

The HDFC Regalia Credit Card has a renewal fee of Rs 2500, but it's waived off if you've spent Rs 3,00,000 or more in the last year.

Here are the key details about the HDFC Regalia Credit Card's eligibility and renewal fee:

The interest free period is a great feature that can save you money on interest charges. You can get up to 50 days of interest free credit.

The minimum amount due is 5 per cent of the total amount due, subject to a minimum of Rs. 200. This means you'll need to pay at least Rs. 200 to avoid any additional charges.

As a general rule, it's best to pay the entire dues well within the due date to avoid any interest charges.

The HDFC Bank Regalia Credit Card is a top-notch offer that comes with a plethora of exclusive benefits. It's one of the bank's best offers, and for good reason.

With this card, you'll get 12 complimentary lounge access per calendar year within India, both at domestic and international terminals. This is a fantastic perk for frequent travelers.

Priority Pass Membership and International Lounge Access are also part of the package. This means you'll have access to a wide range of lounges across the globe.

The card also offers Milestone Rewards, but unfortunately, the details are not specified in the article.

Dining Rewards are another great feature, where you can earn up to 20% savings on all your restaurant bill payments via the Swiggy Dineout.

A 1% fuel levy is waived at all petrol stations in India on transactions between Rs. 400 and Rs. 5,000 made with the HDFC Regalia Card. This is a great benefit for those who drive frequently.

In case your card is lost or stolen, you're protected with Zero Liability Protection. This means you won't be liable for any fraudulent transactions done on a lost card if you notify the bank promptly.

Here are the card's benefits summarized in a table:

The HDFC Regalia Gold Credit Card also comes with Membership fees and welcome gift voucher, where the standard fee required to join or renew the membership is ₹2,500 + Taxes. Upon payment of the membership fee, you'll receive a welcome benefit in the form of a gift voucher equivalent to the fee amount (₹2,500).

The HDFC Regalia Credit Card comes with a joining fee of Rs. 2,500, which is also applicable for renewal. This fee is non-refundable and is charged at the time of renewal.

You'll also have to pay a cash processing fee of Rs. 100 per transaction, which applies to every cash withdrawal or payment made using your card.

If you're making a foreign transaction, be aware that you'll be charged a foreign currency fee of 2% on the transaction amount. This fee is applicable on all international transactions made using your HDFC Regalia Credit Card.

Late payment charges are also applicable if you miss a payment. The charges range from Rs. 100 to Rs. 1,300, depending on the outstanding balance. Here's a breakdown of the late payment charges:

In addition to these charges, you'll also be charged an over-limit fee of 2.5% of the over-the-limit amount, with a minimum of Rs. 550. This fee applies if you exceed your credit limit.

It's worth noting that HDFC Regalia Credit Cardholders get a complimentary Priority Pass Membership for preferential access to over 1000+ airport lounges around the world. However, lounge visits are paid.

To apply for the HDFC Bank Regalia Credit Card, you must meet the eligibility criteria, which vary depending on your occupation and income. The age and income requirements for salaried and self-employed individuals are different, with salaried individuals needing a minimum age of 21 years and a maximum age of 60 years, and a gross monthly income of over Rs 40,000.

You can apply for the card online or offline, and the bank may have internal eligibility criteria that it evaluates when approving or denying your application. Meeting the minimum age and income requirements is not enough; you must also have a strong credit history.

To apply online, visit HDFC Bank's official website, enter your mobile number and date of birth or PAN number to get an OTP, and then enter the OTP and other necessary details. Alternatively, you can apply offline by visiting your nearest branch with all the required documents and filling in a physical application form.

The documents required to apply for the HDFC Regalia credit card include proof of identity, proof of address, and proof of income, such as the latest salary slip, Form 16, or the bank statement for the last 3 months.

Here are the eligibility criteria for the HDFC Regalia Credit Card:

You can also apply for the HDFC Regalia Gold Credit Card, which has the same eligibility criteria as the Regalia Credit Card, with the addition of a net monthly income exceeding Rs 1,00,000 for salaried individuals and an ITR of over Rs 12 lakh for self-employed individuals.

To be eligible for the HDFC Regalia credit card, you'll need to meet certain criteria based on your age and income. The age range for salaried individuals is between 21 to 60 years, while self-employed individuals can be up to 65 years old.

The income requirements also vary between salaried and self-employed individuals. Salaried individuals need to have a gross monthly income of over Rs 40,000, while self-employed individuals need to have an annual income tax return of over Rs 5 lakh.

Here's a table summarizing the eligibility criteria:

Meeting these criteria is essential to ensure your application is not rejected. However, having a strong credit history is also crucial for approval.

You can apply for the HDFC Regalia Credit Card both online and offline. If you prefer to apply offline, simply bring all essential documents to your nearest branch and fill out a physical application form for a card.

To apply online, start by visiting HDFC Bank's official website, which is the first step in the online application process.

You can find the HDFC Regalia Credit Card under the "Lifestyle" category on HDFC Bank's website. This is where you'll find all HDFC credit cards categorized based on their features.

Once you've found the HDFC Regalia Credit Card, select "Apply Now" to begin the application process.

Alternatively, you can also apply online by visiting HDFC Bank's official website, entering your mobile number along with your date of birth or PAN number to get an OTP, and then entering the OTP and other necessary details.

To make the application process smoother, here are the steps you can follow: