HDFC Bank Regalia Credit Card

HDFC Bank Regalia Credit Card is a premium credit card that offers luxurious benefits on travel, such as lounge access and Priority pass membership with notable features.

1. Welcome benefits:- The card offers 2500 reward points as a welcome benefit after joining and payment of the membership fee.

2. Reward points:- This credit card offers reward points plan for online and retail transactions. You can redeem these points in travel, dining, and shopping through Smartbuy and Netbanking. Here are the details:

• 4-reward points on retail transactions of Rs.150 through Smartbuy and net banking.
• Up to 15000 reward points from transactions of 8-lakh in a year.

Here is the valuation of the reward point redemption for various transactions.

• 1-reward point=Rs. 0.20 for flight and hotel booking via Smartbuy.
• 1-reward point=Rs. 0.35 for products and vouchers via Smart and net banking.
• 1-reward point=Rs.0.50 for air miles conversion through net banking.
• 1-reward point=Rs. 0.20 for cashback.

3. Complimentary airport lounge access:- The HDFC Regalia Credit Card offers 12 complimentary access to the lounge at domestic and international airports (6 each) in a year.

4. Priority Pass Membership:- You get a complimentary Priority Pass membership with 6-complimentary lounge access with one add-on member outside India in a calendar year.

5. Dining discounts:- This credit card offers an exclusive 8% off on transactions above Rs.1500 at Dineout pay-enabled restaurants.

6. Zero Lost Card Liability:- The Credit Card comes with a Credit liability cover of 9-lakh on being lost or stolen. You will not be held liable for any fraudulent transactions made.

7. Fuel Surcharge waiver:- The card offers a 1% fuel surcharge waiver on a transaction between Rs.400-4000.

8. Renewal-fee waiver:- The credit card comes with a renewal fee waiver at the transaction of Rs. 3-lakh in the year.

9. Foreign Currency markup fee:- the credit card offers a low foreign exchange markup fee of 2% on the transaction.

10. Add-on cards:- You can get up to four add-on cards for your family members, allowing them to enjoy the benefits of your credit card.

11. Insurance benefits:- The HDFC Regalia Credit Card offers above 1-crore insurance benefits.

• Air accident death cover up to 1 crore.
• Emergency overseas hospitalization covers up to Rs.15-lakh.

12. EMI options:- This credit card offers easy monthly installments (EMIs) at low-interest rates.

13. Cash withdrawal:- You can withdraw cash with an advance fee of 2.5% or Rs.500.

14. Contactless payments:- The HDFC Regalia Credit Card is a chip-based contactless payment option for quick and secure transactions.

Overall the HDFC Regalia Credit Card is a good option for individuals who want luxurious travel benefits and value back on expenses.