HDFC Bank Regalia Credit Card: The Figure and Hawks, Keep Reading to Know More!

In a society where credit cards have transcended the sole purpose of payment, one can get confused on picking the best-fit card. Out of all the possible options, the HDFC Bank Regalia Credit Card is a favorite as far as premium cards are concerned, this card comes with a lot of perks and it is the ideal card for those who live a luxurious life. With travel perks, lifestyle privileges, and exclusive rewards, the HDFC Bank Regalia Credit Card is meant for people who enjoy upscale benefits and intend to derive maximum value from their purchases.

In this complete guide, we will see a detailed review of the HDFC Bank Regalia Credit Card including its rewards, benefits, fees, eligibility and comparison with other premium credit cards in the market.

What is HDFC Regalia Credit Card?

The HDFC Bank Regalia Credit Card is a premium credit card from HDFC Bank that offers you exclusive rewards, lifestyle and travel benefits. You can rack up generous reward points every time you use this card on every purchase, get a free ticket to the airport lounge, have coverage from insurances, and enjoy special offers and discounts.

Whether you are a globetrotter, a shopper, or simply like eating out at premium diners, HDFC Regalia Credit Card offers features tailored to suit your lifestyle needs.

Salient Highlights of the HDFC Bank Regalia Credit Card

Before we proceed to the advantages, let’s first discuss the most noteworthy highlights of the HDFC Bank Regalia Credit Card which differentiates it from other credit cards:

Joining and Renewal Fees

The joining fee is ₹2,500 plus taxes for the HDFC Bank Regalia Credit Card and the annual renewal fee is also ₹2,500 plus taxes. This is merely a cost of doing business when considering all the premium perks and features that comes with this card.

Also, users will get renewal fee waiver on spends of ₹3 lakh or more in a year, which makes it a lucrative proposition for those who frequently make high-value purchases.

Reward Points System

The rewards scheme of the HDFC Regalia Credit Card is quite good and offers points on all transactions you make. Here are some details on how the reward system works:

• 4 Reward Points per ₹150 on all retail spends.

• 8 Reward Points per ₹150 on dining, departmental store, and grocery store spend.

• 2 Reward Points per ₹150 on all other spends.

You can redeem the points you earn for flights, hotel stays, shopping vouchers, and many other rewards. Alternatively, you can swap the reward points for air miles and use it for flight bookings on a range of airlines.

Airport Lounge Access

The free access to airport lounges is one of the most notable benefits of the HDFC Regalia Credit Card. This card provides you with access to more than 1,000 airport lounges worldwide.

• Domestic Lounge Access: You get 6 free visits to domestic lounges in a year with a max of 2 visits per quarter.

• International Lounge Access: With the card, you’ll receive access to more than 1,000 international airport lounges, thanks to the included complimentary Priority Pass membership.

Whether you’re going on a business trip or a vacation, you can still enjoy luxurious perks such as snacks, drinks, Wi-Fi, and comfortable seating in our domestic and international lounges.

Comprehensive Insurance Coverage

HDFC Regalia Credit Card offers comprehensive insurance, making it an excellent choice for those who like to have their peace of mind insured while they travel. The insurance coverage includes:

• Air Accident Insurance: Covers up to ₹1 crore in case of accidental death while travelling in an aircraft.

• Purchase Protection: Protects eligible purchases made with the card against loss, theft, or damage.

• Medical Emergency Help: Assistance when you are overseas and need emergency medical help.

• Travel Inconvenience Insurance: Protection for delayed, missed connection, delayed baggage and baggage loss.

This strong insurance is a major positive for travelers, offering peace of mind that can cover you if the unexpected happens.

Fuel Surcharge Waiver

The HDFC Regalia Credit Card provides 1% fuel surcharge waiver at all petrol pumps in the country. This is valid on purchase value of ₹400 up to ₹5,000. It’s not a huge benefit, but it adds up for cardholders who consistently use their card for gas purchases.

FlexiPay Facility

The option of FlexiPay enables you to convert your high-value purchases into easy instalments. This benefit is great for individuals that want to take out big-ticket purchases, but do not want to pay for them at once.

Purchases of above ₹2,500 can be converted into EMIs at attractive interest rates. This can be accomplished for a period of up to 36 months, giving you the latitude to pay as per your convenience.

Balance Transfer Facility

The HDFC Regalia Card also comes with a balance transfer feature that lets you transfer any outstanding dues on your other credit cards to your HDFC Regalia credit card at a lower rate of interest. This will lower your total burden of interest and give you the chance to pay out your dues in smaller chunks.

Features of the HDFC Bank Regalia Credit Card

Now that we have discussed the features in brief, let’s move on to the final section of the review – the main pros of the HDFC Bank Regalia credit card which make it ranked at the top for a premium credit cardholder.

Reward Redemption

The reward points that accrue on the popular HDFC Regalia Credit Card can be exchanged to access benefits from the HDFC Rewards Catalogue. From here you can cash out your points and exchange them for rewards like:

• Air Miles: Convert your reward points into air miles with various airline partners.

• Shopping Vouchers: Get shopping vouchers for top brands and retailers.

• Gift Cards: Buy gift cards from your favorite brands including Amazon, Flipkart, and many more.

• Hotel Stay or Flight: You can redeem your points in exchange for booking a hotel stay or flight.

Due to this flexibility with redemption choices, the HDFC Regalia Credit Card is a good choice for travelers and shoppers.

Exclusive Dining Privileges

DinePlus: The HDFC Regalia Credit Card provides exclusive dining offers through its DinePlus programme. Cardholders receive discounts and special offers at over 2,500 partner restaurants anywhere in India.

Whether it’s fine dining at a luxurious restaurant, or a casual meal at home or on the go – the value is here to stay, with this card.

Luxury Lifestyle Benefits

Here are some of the luxury lifestyle benefits that the HDFC Regalia Credit Card offers:

• Spa Coupons: Receive specials on spa services at participating deluxe spas.

• Golf Perks: Golf membership gives you exclusive access to courses, and free rounds of golf.

• Concierge: Have a concierge make it easier to schedule your concert tickets, organise travel, and with your lifestyle services.

These benefits are geared to enrich the lifestyle of the person that has the card and truly elevate their day-to-day life.

HDFC Regalia Credit Card vs Other Premium Credit Cards

Compared to some of the other popular top-of-line credit cards in the market like American Express Platinum Travel Card, HDFC Regalia is a very good alternative with nominal fees and great travel benefits.

Premium credit cards tend to have high annual fees, but the HDFC Regalia Credit Card is an exception, providing similar benefits at an affordable price point.

Although cards such as ICICI Bank Sapphiro Credit Card or Axis Bank Magnus Credit Card offer luxury and travel benefits, HDFC Regalia Credit Card sure does offer a balanced blend of benefits for a varied class with travelers, shoppers and lifestyle freaks.

Final Thoughts

The HDFC Bank Regalia Credit Card is a wonderful card for those who wish to avail of elite benefits, great rewards and best-in-class lifestyle benefits. Ancer the world of benefits – If you love travel or simply a great deal, the Discover it Miles is the one for you.

Price wise, the HDFC Regalia Credit Card is also priced reasonably, thus making it a good card to promote. If you want a frivolous premium credit card that makes your spending more enjoyable, check this one out for sure.