Regalia Gold

Regalia Gold Credit Card: Benefits, Features, and How to Apply

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What is Regalia Gold and Why is it Special?

The Regalia Gold credit card by HDFC Bank is a premium financial product designed for individuals who desire luxury and convenience. Packed with exceptional features, it enhances your travel, dining, and shopping experiences. This card stands out due to its high reward points, milestone benefits, and access to exclusive privileges.

Key Features of Regalia Gold

  • Lounge Access: Complimentary domestic and international airport lounge visits.
  • Reward Points Program: Earn points on every spend, including accelerated rewards at select partner outlets like Nykaa and Reliance Digital.
  • Lifestyle Benefits: Complimentary memberships with Swiggy One and MakeMyTrip Black Gold upon achieving milestones.
  • Insurance Coverage: Comprehensive insurance plans, including air accidental death and travel insurance.
  • Milestone Offers: Spend-based rewards such as gift vouchers worth ₹5,000 to ₹10,000 annually.

This card is tailored for high-spenders looking for exclusive experiences and financial benefits.

Eligibility Criteria for Regalia Gold: Who Can Apply?

To enjoy the premium benefits of the Regalia Gold credit card, applicants need to meet specific eligibility criteria. These criteria are tailored to ensure that cardholders can fully utilize the card’s premium features.

Eligibility for Salaried Individuals

  • Age Range: 21 to 60 years.
  • Income Requirement: A net monthly income of ₹1 lakh or more.

Eligibility for Self-Employed Individuals

  • Age Range: 21 to 65 years.
  • Income Requirement: An annual income of ₹12 lakh or more as reported in your Income Tax Returns (ITR).

Additional Considerations

  • Credit Score: A strong CIBIL score of 750 or above is preferred.
  • Existing HDFC Bank Customers: Maintaining a positive banking relationship may boost your chances of approval.

Meeting these criteria ensures a smooth application process and approval.

How to Apply for Regalia Gold Credit Card: A Step-by-Step Guide

HDFC Bank provides a straightforward application process for Regalia Gold, with both online and offline options available.

Applying Online

  1. Visit the official HDFC Bank website.
  2. Navigate to the credit cards section and choose “Regalia Gold.”
  3. Click “Apply Now” and fill out the application form.
  4. Submit your personal, professional, and financial details.
  5. Upload the required documents, including:
    • Identity proof.
    • Address proof.
    • Income proof.
  6. Submit the form for review.

Applying Offline

  1. Visit the nearest HDFC Bank branch.
  2. Request the Regalia Gold credit card application form.
  3. Complete the form and attach all necessary documents.
  4. Submit it to the branch representative.

Approval and Delivery

Once your application is reviewed and approved, HDFC Bank will dispatch the card to your registered address. This process typically takes 7-10 working days.

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Comprehensive Guide to Regalia Gold Benefits

The Regalia Gold credit card offers a host of benefits tailored to enhance your lifestyle, travel, and shopping experiences. Here’s a detailed breakdown of the key perks.

Travel Benefits

  1. Lounge Access:
    Enjoy up to 12 complimentary domestic lounge visits annually, providing comfort and convenience during travel. Additionally, you get 6 international lounge visits through the Priority Pass program.
  2. Travel Insurance:
    Benefit from overseas travel insurance worth ₹15 lakh, covering medical emergencies during your trips abroad.
  3. Accidental Air Death Cover:
    The card offers an air accidental death cover of ₹1 crore, ensuring financial security for your loved ones.

Lifestyle Privileges

  1. Complimentary Memberships:
    Earn Swiggy One and MakeMyTrip Black Gold memberships by spending ₹1 lakh within 90 days of card issuance.
  2. Dining Discounts:
    Save up to 7.5% on dining at over 20,000 restaurants in partnership with Swiggy Dineout.
  3. Milestone Rewards:
    Unlock gift vouchers worth ₹1,500 to ₹5,000 from leading brands like Marks & Spencer, Myntra, and Reliance Digital upon achieving spending milestones.

Understanding Regalia Gold Reward Points and Redemption Options

The Regalia Gold credit card features a lucrative rewards program that helps you earn points for almost every transaction.

Earning Reward Points

  1. Retail Transactions:
    Earn 4 reward points for every ₹150 spent on retail purchases, including insurance, utilities, and education.
  2. Accelerated Rewards:
    Get 5X reward points on select partner outlets like Nykaa, Myntra, Marks & Spencer, and Reliance Digital.
  3. Milestone Rewards:
    Bonus reward points and vouchers are credited upon meeting quarterly or yearly spending thresholds.

Redeeming Reward Points

  1. Travel Bookings:
    Redeem your points for flight tickets, hotel stays, or holiday packages through the HDFC Regalia rewards portal.
  2. Gift Vouchers:
    Exchange points for vouchers from leading brands such as Amazon, Flipkart, and lifestyle stores.
  3. Cashback Conversion:
    Use reward points to offset your outstanding credit card bill.

Lounge Access with Regalia Gold: A Premium Travel Experience

Frequent travelers will find immense value in the complimentary lounge access provided by the Regalia Gold credit card. Here’s what you need to know about this feature.

Domestic Lounge Access

The card offers 12 complimentary visits to domestic airport lounges per year. These lounges are equipped with Wi-Fi, charging stations, comfortable seating, and complimentary snacks, ensuring a relaxing experience before your flight.

International Lounge Access

With the Priority Pass membership, cardholders can enjoy up to 6 free visits to international lounges annually. This perk is available for both primary and add-on cardholders, making it a great benefit for family travelers.

How to Use Lounge Access

  • Present your Regalia Gold credit card at the lounge reception.
  • Lounge access is linked to the card, so there’s no need for additional membership cards.
  • Some lounges may require boarding passes for verification.

Milestone Offers and Spending Rewards with Regalia Gold

The Regalia Gold credit card rewards you for consistent spending by offering milestone benefits that enhance its value proposition.

Quarterly Milestone Benefits

Earn ₹1,500 worth of vouchers from top brands like Marriott, Myntra, Marks & Spencer, or Reliance Digital by spending ₹1.5 lakh in a calendar quarter. These vouchers can be used for shopping, dining, or travel, adding value to your everyday expenses.

Annual Milestone Rewards

Achieve ₹5 lakh in annual spending to receive ₹5,000 worth of flight vouchers. For an additional ₹7.5 lakh in spending, you unlock another ₹5,000 in vouchers, making a total of ₹10,000 worth of rewards annually.

How to Maximize Milestone Benefits

  • Use your card for high-value purchases like travel bookings, electronics, or luxury goods.
  • Set up auto-pay for recurring bills and expenses.
  • Consolidate spending across your family members by opting for add-on cards.

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Insurance Benefits of Regalia Gold Credit Card

The Regalia Gold credit card ensures peace of mind with its comprehensive insurance coverage. Here’s what you can expect.

Air Accidental Death Cover

Enjoy a cover of ₹1 crore in case of accidental air death. This feature offers financial security for your loved ones during unforeseen circumstances.

Overseas Medical Insurance

Travel worry-free with ₹15 lakh coverage for overseas hospitalization expenses. This benefit is particularly useful for frequent international travelers.

Credit Liability Cover

If your card is lost or stolen, the credit liability cover of up to ₹9 lakh ensures you’re protected against fraudulent transactions made before reporting the loss.

How to Claim Insurance

  1. Contact the HDFC Bank customer care immediately.
  2. Submit the required documents, such as FIR, insurance forms, and medical reports (if applicable).
  3. Follow the bank’s instructions for processing the claim.

Regalia Gold vs Regalia: Which is Better for You?

The Regalia Gold and Regalia cards share similarities but are tailored for different user profiles. Here’s a comparison to help you decide.

Key Differences

  • Reward Points: Regalia Gold offers accelerated rewards at partner outlets, while the standard Regalia has a fixed rewards rate.
  • Lounge Access: Regalia Gold includes more complimentary lounge visits, especially for international lounges.
  • Membership Benefits: Regalia Gold includes complimentary Swiggy One and MakeMyTrip Black Gold memberships, which the standard Regalia does not.

Costs and Fees

  • Annual Fee: Regalia Gold’s fee is higher at ₹2,500, compared to ₹1,000 for the standard Regalia.
  • Fee Waiver: Regalia Gold offers an annual fee waiver on spending ₹4 lakh, while Regalia requires only ₹3 lakh in spending for the waiver.

Who Should Choose Which?

  • Regalia Gold: Ideal for frequent travelers, high spenders, and those seeking premium lifestyle benefits.
  • Regalia: Suited for individuals with moderate spending who still want rewards and essential perks.

How to Waive Off the Regalia Gold Annual Fee

The Regalia Gold credit card comes with an annual fee of ₹2,500, but it can be waived off under certain conditions.

Spending Threshold for Fee Waiver

To waive off the annual fee, you need to spend ₹4 lakh in the anniversary year. This includes all retail transactions, bill payments, and partner outlet purchases.

Strategies to Achieve the Spending Target

  1. Use the card for all your expenses, including groceries, utilities, and fuel.
  2. Pay for large purchases, such as electronics, home appliances, or travel bookings.
  3. Opt for add-on cards to consolidate family spending under one account.

Benefits of Waiving the Fee

By meeting the spending target, you save ₹2,500 annually and still enjoy all the premium features of the card. This enhances the overall value of Regalia Gold.

Is Regalia Gold Worth It? An Honest Review

The Regalia Gold credit card is a value-packed option for those who can utilize its premium benefits. However, it’s essential to evaluate whether it aligns with your spending habits and lifestyle.

Pros of Regalia Gold

  1. Generous reward points on retail spending.
  2. Access to premium lounges domestically and internationally.
  3. Comprehensive insurance coverage for peace of mind.
  4. Valuable milestone rewards for high-spenders.

Cons of Regalia Gold

  1. High annual fee compared to basic credit cards.
  2. Best suited for individuals with significant spending capacity.
  3. International lounge visits are limited to 6 annually.

Who Should Get Regalia Gold?

  • Frequent travelers who benefit from lounge access and travel insurance.
  • High-spending individuals who can unlock milestone rewards.
  • Users who prefer premium dining and lifestyle privileges.

FAQs

Is Regalia Gold better than Regalia?
Yes, Regalia Gold offers more premium features, including better reward rates, additional lounge visits, and exclusive memberships, making it superior for high-spending individuals.

Can I get Regalia Gold lifetime free?
Currently, the Regalia Gold credit card is not available as a lifetime free option. However, you can waive the annual fee by meeting the spending criteria of ₹4 lakh annually.

What is the minimum income for Regalia?
For salaried individuals, the minimum income requirement is ₹1 lakh per month. For self-employed individuals, the annual income requirement is ₹12 lakh.

Is Regalia forex card worth it?
Yes, the Regalia forex feature offers a low 2% foreign currency markup, making it an excellent choice for international travelers.

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