Query regarding HDFC Regalia gold credit card
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Is this real? Or some tnc ? If someone has applied and got share some views.
Also is this card beneficial, i have sbi simplyclick credit card.
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Check the terms. FYF + spend based fee waiver can still be marketed as LTF card.
Make sure its LTF no conditions
Tnc are there. It's mentioned on that photo you just shared. Read, understand and apply accordingly
OP, your post seems to suggest that you don't have an HDFC card. In that case, I suggest go for it. An HDFC card is a must-have in a credit card portfolio along with ICICI and SBI. The reward points structure is better than SBI's too. Once you get the card, make yourself familiar with their SmartBuy portal - https://offers.smartbuy.hdfcbank.com/v1/...ou
Refer to this page specifically to understand the places you must use your HDFC CC - https://offers.smartbuy.hdfcbank.com/offer_deta...
Only thing I'll ask you to watch out for is when applying for the card, see if there is a T&C that says "Spend Rs X lakhs per year to waive off annual fees". HDFC and other banks have been known to disguise spend-based annual fees waivers as LTF.
Yes thats correct, here it shoes No annual charges, no renewal fees but when i go to link and choose the card, 1st year was free, joining fee was free but for next year they say spend 4L to waive the fees
Seems genuine.
If you don't have 4L spends, or if you have better rewarding cards, don't get this card. Get any other hdfc card with low fees if you want for online hdfc offers like neu.
If you want to get infinia etc in future, then get this.