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HDFC Launched New Credit Card - HDFC Regalia Gold Credit Card

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Deal Subedar
zenithyadav
HDFC Regalia Gold Credit Card
Joining Fee

Rs. 2,950 including GST

Joining Benefits

1) Giftcard of Rs. 2,500 (not applicable if joining fee waived-off)

2) Club Vistara Silver Tier Membership and MakeMyTrip’s Black Elite Membership on Spending Rs.1 Lac or more in First 30 Days of Card Issuance

Renewal Fee

Rs. 2,950 including GST. Waived-off on Spending Rs.4 Lacs in a Year

Regular Benefits

Reward Points

1) 4 Reward Points on every Rs.150 retail spends including Insurance, Utilities and Education​

2) 20 Reward Points on every Rs.150 Spend on Myntra, Nykaa, Reliance Digital, Marks & Spencers. Extra rewards points capped at 5000 per month.

3) Maximum 2,000 Reward Points per Day on Insurance

4) Maximum 2,000 Reward Points per Month on Grocery

5) No Reward Points on Fuel, Wallet Load, HDFC’s EasyEMI or SmartEMI, Rent, Housing Society Maintenance, Movers & Packers and Government Payments

6) 1% Charge on second rent payment in a month

Reward Redemption

1) Reward Points Validity: 2 Years

2) 1 Reward Point = Rs. 0.65 if Used on Regalia Gold Catalogue on SmartBuy or Rs. 0.50 if used on Flight/Hotel on HDFC SmartBuy Portal or 0.50 Airmile or Rs. 0.20 if want as Cash in Statement

Milestone Benefits

1) Rs.1500 Giftcard (Marriott Experience or Myntra or MMT Hotels or Marks & Spencer or Reliance Digital) on Spend of Rs. 1.5 Lacs in a Calendar Quarter

2) One Flight Voucher of Rs. 5,000 on Spend of Rs. 7.5 Lacs in a Year

Lounge Access

1) Domestic Lounges: 12 access in a year (Delhi, Mumbai, Kolkata Chennai, Bangalore, Hyderabad Pune, Cochin)

2) International Lounge: 6 free visits using Priority Pass for Self and Add-on card holders

Foreign Currency Markup: 2% + GST (= 2.36%)

Annual Spend based benefit

Spend Rs. 4 Lakhs in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year.

Terms & Conditions Apply

More details :

https://www.hdfcbank.com/personal/pay/cards/cre...

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Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.

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51 Comments  |  
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Helpful Helpful
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Too many conditions with very little rewards.

Benevolent Benevolent
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Except Millenia everything else is trash in HDFC

SBI Airvistara 100x better than this with 3600 fee

View 6 more replies
Helpful Helpful
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not much of a diff from Regalia... or is it?

Deal Subedar Deal Subedar
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Better than Regalia in term of below benefits:

  • Better milestone benefits
  • 5X partners
  • Access to the new miles transfer partners like Aeroplan, Accor, LifeMiles etc.
  • Gold catalog products at 65 paisa per RP

Retail Spends: 4 RP per Rs 150 ~1.3% return
Accelerated Spends:
20 RP per Rs 150 ~6.7% return
Accelerated spends partners are Marks & Spencer, Myntra, Reliance Digital and Nykaa. The cap is 5000 RP for the bonus points in this category.
Grocery Spends:
Same reward rate as retail spends with a cap of 2000 RP per calendar month
Insurance Spends:
Same reward rate as retail spends with a cap of 2000 RP per day
The accelerated spends at 20 RP per 150

View 12 more replies
Helpful Helpful
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Any way to upgrade from regalia to regalia gold Marriott gift voucher useful for me 

Analyst Analyst
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Wrong Info..

The 5000 Flight is Twice. One on 5L Spend and Another on 7.5L Spend

Deal Subedar Deal Subedar
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Yes correct 

Rs 5000 flight voucher on Rs 5 Lakhs spend in an anniversary year
Rs 5000 flight voucher on Rs 7.5 Lakhs spend in an anniversary year


    Critic Critic
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    Examples of Gold catalog products?

    Finance Mentor Finance Mentor
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    Unable to login. 

    Deal Newbie Deal Newbie
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    Card ka photo nahi dia, so not apply 

    Generous Generous
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    Millenia is way better .

    Finance Mentor Finance Mentor
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    Nahin chahiye... PERIOD.

    Post Emperor Post Emperor
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    Means more marketing call...
    Deal Newbie Deal Newbie
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    Everything that glitters is not gold
    Deal Cadet Deal Cadet
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    Is this card available on Rupay platform as well? Any idea?

    Deal Cadet Deal Cadet
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    Regalia is good CC

    Deal Cadet Deal Cadet
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    Good

    Deal Cadet Deal Cadet
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    Joke by hdfc to me. They have offered a paid upgrade from ltf regalia to paid regalia with new name.   Current card - visa emv sign regalia crd dom.    Upgrade to- vis sign regalia bus dec.

    Is there any difference

    Deal Newbie Deal Newbie
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    Millennia is better than this too....

    Generous Generous
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    Got regalia ltf and happy with uber vouchers @ 0.39/Rp

    Helpful Helpful
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    All my points keep getting expired every month as I rarely used HDFC cc in last 6mth. 2900 points down to 300 I checked today pensive

    Direct statement credit by Axis is much better - zero hassle, nothing to remember

    Like Magnet Like Magnet
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    What is the minimum credit limit for this card?

    Deal Subedar Deal Subedar
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    I am getting second card option in my netbanking for HDFC Regila Gold ltf, currently have Millenia and tata neu should I go for that?

    Deal Cadet Deal Cadet
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    Its not really LTF for me. Says 4L spend for "LTF" which is just waiver
    Deal Cadet Deal Cadet
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    Pls tell how to set pin for hdfc add on credit card. 

    Finance Mentor Finance Mentor
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    Do it on ATM , carry primary holder phone , OTP may come.

    Deal Subedar Deal Subedar
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    Showing this for me as 2nd card option have DCB

    Deal Subedar Deal Subedar
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    I  am also getting as second card But it seems it is not  LTF


    Annual Fees / Renewal Fees₹ 0 ₹ 2500

    Lucky You !!!The fees gets waived off for annual spends above ₹4,00,000
    Deal's Advocate Deal's Advocate
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    Happy with my existing Regalia LTF card. sunglasses

    Deal Newbie Deal Newbie
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    Now CRM is being assigned if you have a corporate account or business account with HDFC , they offered me this card as LTF . You can reach out to them

    Deal's Advocate Deal's Advocate
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    None of the cards in the past many years I have found that can be bought on a C2C basis. Still struggling to get one credit card on C2C basis with no income details required. Is there any card that is LTF and is issued on the basis of your civil score and previous CC report? If any then pls share the exact link so that I can apply and get it without any hassle.
    PS: I have an excellent cibil score and my HDFC CC is 3 yrs old too.

    Deal Cadet Deal Cadet
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    IMO, the reward structure of Regalia Gold is pretty good, if you can spend till the highest milestone of 7.5 Lacs it gives you a reward rate of around 3-3.5%

    .
    Here's the calculation of Reward Rate :

    4 RP / ₹150 Spend (Base Value)
    .

    Assuming redemption value of ₹0.50

    Total Spends : 7,50,000

    RP Earned  : 20,000

    INR Value : ₹10,000

    Milestone Earnings

    • Quarterly Milestone

    ₹1500 Voucher on 1.5L Spends

    Total 1500 x 4 = ₹6000

    • Annual Milestone¹ of 5 Lacs

    Flight Voucher worth ₹5000

    • Annual Milestone² of 7.5 Lacs

    Flight Voucher worth ₹5000

    Total Earnings :


    • ₹10,000 [Reward Points]

    • ₹16,000 [Vouchers]


    ₹26,000 on Spends of  ₹7,50,000
    +
    Bonus : ₹2950 [Joining Fee Waiver]

    Note : Only Basic RP value is considered, you can get more if spend is done on 5x Merchants / Accelerated Reward Partners (SmartBuy, etc)

    Deal Newbie Deal Newbie
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    How to redeem points " ) 1 Reward Point = Rs. 0.65 if Used on Regalia Gold Catalogue on SmartBuy" this category

    replyuser
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