If you’re looking for a credit card that offers a balance of luxury perks and everyday value, the HDFC Regalia Gold credit card might be the perfect fit. Whether you’re a frequent traveller, an online shopper, or someone who enjoys dining out, this is one of the best credit cards for women. In this HDFC Regalia Gold credit card review, you’ll discover the features, benefits, fees, and eligibility criteria to help you determine if it’s the right fit for you.
HDFC Regalia Gold Credit Card Review: Quick Overview
| Feature | Details |
|---|---|
| Card Issuer | HDFC Bank |
| Annual Fee | ₹2,500 + GST (₹2,950 approx.) |
| Welcome Bonus | Complimentary Swiggy One and MMT Black Gold membership |
| Best For | Frequent travellers, online shoppers, dining enthusiasts |
HDFC Regalia Gold Credit Card Review: Key Benefits
Cashback/Rewards
The HDFC Regalia Gold Credit Card offers a rewarding experience with its points system:
- 4 Reward Points for every ₹150 spent on general purchases.
- 5X Reward Points on spends at partner brands like Marks & Spencer, Myntra, Nykaa, and Reliance Digital when transacted through the SmartBuy portal.
This structure ensures that your everyday expenses and special purchases earn you valuable rewards.
Travel Benefits
For those who travel frequently, the Regalia Gold Credit Card provides:
- Complimentary Lounge Access: Enjoy access to over 1,000 domestic and international airport lounges, enhancing your travel experience.
- Flight Vouchers: Earn ₹5,000 worth of flight vouchers on annual spends of ₹5 lakh, with an additional ₹5,000 voucher on spends of ₹7.5 lakh.
These perks make your journeys more comfortable and cost-effective.
Shopping/Partner Offers
The HDFC Regalia Gold credit card enhances your shopping experience with:
- Quarterly Milestone Benefits: Receive ₹1,500 worth of vouchers on quarterly spends of ₹1.5 lakh, redeemable at partner brands like Myntra, Nykaa, and Reliance Digital.
- Welcome Benefits: Upon paying the joining fee, get a gift voucher equivalent to ₹2,500, which can be redeemed at various partner outlets.
These offers add significant value to your shopping habits.
EMI/Big Spend Perks
For larger purchases, the HDFC Regalia Gold Credit Card offers:
- EMI Facility: Convert big-ticket purchases into easy monthly instalments.
- Milestone Rewards: Achieve spending milestones to unlock additional benefits, such as flight vouchers and shopping vouchers.
These features provide flexibility and rewards for your spending.
HDFC Regalia Gold Credit Card Review: Fees and Charges
Understanding the costs associated with the HDFC Regalia Gold Credit Card is crucial:
- Joining/Renewal Fee: ₹2,500 + GST (₹2,950 approx.)
- Annual Fee Waiver: Waived if you spend ₹4 lakh in a year.
- Interest Rate (APR): 3.75% per month (45% annually)
- Late Payment Fee: Ranges from ₹100 to ₹1,100, depending on the outstanding balance.
- Cash Withdrawal Fee: 2.5% of the amount withdrawn or ₹500, whichever is higher.
It’s important to manage your spending to maximize the benefits and avoid unnecessary charges.
HDFC Regalia Gold Credit Card Review: Pros and Cons
Pros:
- Comprehensive travel and shopping benefits.
- Rewarding points system with high earning potential.
- Waiver of annual fee with a reasonable spending threshold.
- Access to premium airport lounges.
Cons:
- High interest rates if the balance is not paid in full.
- Annual fee applies if spending threshold is not met.
- Some benefits require specific spending patterns to unlock.
Who Should Apply for HDFC Regalia Gold Credit Card?
Best For:
- Frequent Travellers: The extensive lounge access and flight vouchers enhance travel experiences.
- Online Shoppers: The 5X reward points on partner brands make online shopping more rewarding.
- Dining Enthusiasts: The card’s benefits extend to dining experiences, adding value to your meals.
Not Ideal For:
- Casual Spenders: If your monthly spending is low, the benefits may not justify the annual fee.
- Individuals Seeking Fuel Benefits: The card does not offer specific fuel-related perks.
How to Apply for HDFC Regalia Gold Credit Card
Eligibility Criteria:
- Salaried Individuals:
- Age: 21 to 60 years
- Net Monthly Income: ₹1,00,000 and above
- Self-Employed Individuals:
- Age: 21 to 65 years
- Income: ITR of ₹18 lakh and above per annum
Documents Required:
- Proof of Identity: Aadhaar card, PAN card, passport, etc.
- Proof of Address: Utility bills, bank statements, passport, etc.
- Proof of Income: Latest salary slip, Form 16, or bank statements for the last 3 months
Application Process:
Visit the HDFC Bank Regalia Gold Credit Card page to check your eligibility and apply online.
HDFC Regalia Gold Credit Card Review: FAQs
1. How can I waive the annual fee?
The annual fee is waived if you spend ₹4 lakh within a year on the card.
2. What are the welcome benefits?
Upon paying the joining fee, you receive a gift voucher worth ₹2,500, redeemable at various partner outlets.
3. How do I earn 5X reward points?
Make purchases at partner brands like Myntra, Nykaa, and Reliance Digital through the SmartBuy portal to earn 5X reward points.
4. Is there a foreign currency markup fee?
Yes, the card charges a foreign currency markup fee of 2% on international transactions.
HDFC Regalia Gold Credit Card Review: Verdict
This HDFC Regalia Gold credit card offers a blend of luxury and practicality, making it a strong contender in the premium credit card segment. With its comprehensive travel and shopping benefits, rewarding points system, and reasonable annual fee, it provides excellent value for those who can leverage its features effectively.
If you travel frequently, shop online often, or enjoy dining out, this card can enhance your lifestyle while offering tangible rewards. However, if your spending habits don’t align with the card’s benefits, you might want to consider other options.
