HDFC Regalia

 

 

Features & Benefits

Reward Points

• Earn 4 Reward Points on every Rs.150  retail* spends including Insurance, Utilities and Education​
• Earn 10,000 Reward Points on annual spends of Rs. 5 lakhs.
• Earn additional 5,000 Reward Points on annual spends of Rs. 8 lakhs.
• Reward points are valid for 2 years from accumulations.
  

• For Insurance Payment Reward Points are capped at 2000/day. 
• Reward points will not be accrued for rental pay transactions, property management
  services like rent, maintenance, packers &movers, etc and government transactions  
• Reward points earned on grocery transaction will be capped at 2000 RP per calendar month
• For rent payments made through third-party merchants, a fee of 1% of the total transaction amount will be levied from the second rental transaction of the calendar month. 
• If you conduct a transaction (in-store or online) in Indian currency at an international location or with a merchant located in India but registered overseas, a dynamic & static conversion markup fee of 1% will be charged
  

 Reward Points can be redeemed for:

1 RP Equivalent to
SmartBuy (Flights/Hotels)	Rs. 0.50
Airmiles	0.50 AirMile
Product Catalogue (vouchers/products)	Upto Rs. 0.50
Cash back	Rs. 0.30

•  For flight and hotel bookings, HDFC Bank Diners Club Black card members can redeem upto maximum of 70% of booking value through Reward Points. Rest will have to be paid via Credit Card.
  
• Redemption of Reward Points against statement balance (cashback redemption) will be capped at 50,000 Reward Points per calendar month

Lounge Access

A. Complimentary Airport Lounge Access within India

• 12 complimentary access per calendar year within India (both at domestic and international terminals) using the HDFC Bank Regalia Credit Card
• Swipe your Regalia credit card at the lounge to avail the complimentary lounge access
• Click Here to check the list of lounges​​​​​​​
• Visits exceeding the complimentary quota will be allowed at the discretion of lounge and will also be chargeable by the lounge

B. Priority Pass 

• You can apply for Priority Pass for self and add on members once you complete minimum 4 retail transactions on your HDFC Bank Regalia Credit Card. Click here to apply.
• Using Priority Pass, you and your add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. 
• If you exceed the 6 Complimentary visits, you will be charged at US $27 + GST per visit

Concierge

• Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Regalia Credit Card. Simply call : toll-free on 1860 425 1188 (India) / Email ID:regalia.support@smartbuyoffers.com
•  

Fuel Surcharge Waiver

• 1% fuel surcharge waiver at all fuel stations across India 

( on minimum transaction of ₹400  and maximum transaction of ₹5000 )

Click here for details

Dining Benefit

Exclusive complimentary Dineout Passport Membership which offers:

• Assured flat 25% off at 2000+ premium restaurants
• 1+1 on buffet at 200+ restaurants
• Additional 5% off and Zero convenience fee.
• Early access to events and festivals such as Gourmetlicious*
• To avail this membership one has to spend 75000/ quarter. 
  

Click Here for details.

Insurance/Comprehensive protection & Nominee details for Insurance

• Accidental air death cover worth Rs. 1 Crore
• Emergency overseas hospitalization: up to Rs. 15 lakhs​​​​​​​
• Lost Card Liability Cover : Upto Rs 9 lakhs
  

 Fees

• Joining/ Renewal Membership Fee – Rs. 2500/- + Applicable Taxes.
• Welcome Benefit of 2500 Reward Points and renewal benefit of 2500 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off)
• Most of time Life time free card are provided by HDFC during campaigns. 

Eligibility

For Salaried Indian national

• Age: Min 21 years & Max 60 Years
• Net Monthly Income > Rs 1 Lakh

For Self Employed Indian national

• Age: Min 21 years & Max 65 Years
• ITR > Rs 12 Lakhs per annum

 

What Doesn't Work

• Too many terms and condition with lot of limitations. Its so confusing. Simple cashback cards like  Axis Ace, ICICI Amazon Pay, SBI Cashback cards are much better depending on the usage.
  
• Though the new statement credit which is more informative the rewards availed are not displayed in transparent manner. 
  
• No RP for fuel, wallets loads/prepaid card loads, voucher purchases, govt spends.
• SBI Prime looks better except that Lounge access benefit is limited to Primary Card Holder.

Verdict

HDFC  Regalia is premium life style credit card International Lounge access including for addon card holder is key attraction. Frequent degradation of card value and too may T&C has made it complex and unattractive. May be SBI Prime is better alternative.