HDFC Bank Regalia Credit Card
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If you are someone who loves traveling, then the HDFC Bank Regalia Credit Card is for you. It's designed for people who fly frequently, both within India and overseas.
This card is not for those who want rewards on everyday shopping; it's more than that.
Features of HDFC Bank Regalia Credit Card
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Perks for Airport Lovers
a. It provides airport lounge access: 12 domestic lounges (3 visits per quarter) and 6 international lounges every year.
b. You can take one person with you to international lounges, making it a great deal if you are traveling with someone.
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Rewards for Travelers
a. You earn 4 reward points for every ₹150 spent. 100 points are equivalent to ₹20. The more you spend, the more reward points you can accumulate.
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Cashback Offers
a. It offers 5% cashback on bill payments (electricity, tax payments, telephone, internet). The maximum cashback per statement is ₹500.
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Other Benefits
a. There is a 1% waiver on fuel surcharges for spending between ₹400 and ₹5,000.
b. Enjoy an extra 10% off on dining bills at over 30,000 restaurants.
c. There are Milestone Benefits as well; earn a bonus of 10,000 reward points on spending ₹5 lakhs in the first year.
d. With your Business Regalia Credit Card, you can easily access pre-approved instant loans and cash withdrawal facilities.
Annual Fees and Charges
- The HDFC Regalia Credit Card has a joining and renewal fee of ₹2,500 plus applicable taxes.
- There is a 2% charge on international transaction amounts.
- There are also charges for late payments and over-limit transactions.
- There are no insurance benefits associated with the HDFC Business Regalia Credit Card.
Eligibility Criteria
- The applicant should be self-employed, with an annual Income Tax Return (ITR) above ₹12 lakhs.
- Age must be between 21 and 65 years.
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