एचडीएफसी रेगलिया गोल्ड क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: HDFC Bank Ltd.
Flagship premium travel and lifestyle credit card with 12 domestic & 6 international lounge visits, 2.0% forex markup, and ₹10,000 in milestone flight vouchers.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
HDFC Regalia Gold is the refreshed flagship premium travel and lifestyle credit card replacing the legacy Regalia. Engineered for affluent frequent flyers and corporate managers, it couples 12 domestic and 6 international lounge accesses with a low 2.00% forex markup and ₹10,000 in milestone flight vouchers.
Gift voucher worth ₹2,500 from Marks & Spencer, Myntra, Nykaa, or Reliance Digital, plus complimentary Club Vistara Silver Tier and MMTBLACK Gold membership upon spending ₹1 Lakh in 90 days.
12 complimentary domestic airport lounge visits per calendar year (applicable at both domestic and international terminals within India). 6 complimentary international lounge visits per calendar year via Priority Pass for primary and add-on cardholders.
1% fuel surcharge waiver at all petrol pumps across India on transactions between ₹400 and ₹5,000 (maximum waiver of ₹450 per statement cycle).
Flight voucher worth ₹5,000 on spending ₹5,00,000 in an anniversary year; an additional ₹5,000 flight voucher on spending ₹7,50,000 (up to ₹10,000 in flight vouchers annually).
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian nationals aged 21 to 60 years with minimum gross monthly income of ₹1,00,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹12,00,000.
न्यूनतम वार्षिक आय आवश्यकता
₹1,00,000/month (Salaried) / ₹12,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with Form 16 (Salaried) OR Audited ITR acknowledgment for last 2 years (Self-Employed) 4. Passport-sized photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Annual fee waiver threshold is steep at ₹4 Lakhs. International lounge access beyond 6 visits incurs Priority Pass standard guest fee. Air miles transfer ratio is 1:0.5 to 1:0.35, requiring high spend volumes to accumulate award flights.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit hdfcbank.com/regaliagold or check pre-approved card offers on HDFC NetBanking. Step 2: Enter PAN and registered mobile number for eligibility verification. Step 3: Complete digital application form with salary, employer, and residence details. Step 4: Upload identity, residence, and income verification documents. Step 5: Undertake scheduled Video KYC verification with HDFC credit underwriting desk. Step 6: Card is generated virtually in PayZapp and physical metal-look card dispatched within 3 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on HDFC Regalia Gold Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving credit balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on HDFC Regalia Gold Credit Card into EMI?
Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on HDFC Regalia Gold Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = up to ₹0.50 for flight and hotel bookings via SmartBuy, or ₹0.35 on air miles conversion (Singapore Airlines KrisFlyer, British Airways Avios, Club Vistara). Please note: Reward points expire 3 years (36 months) from the date of accrual.
What is the interest-free grace period on HDFC Regalia Gold Credit Card and how does it work?
The interest-free period on HDFC Regalia Gold Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving credit balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.