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HDFC Regalia Credit Card

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4

)

Beginner

Best For: Shopping

From

6E – Rewards Indigo HDFC Bank Credit Card

Approval Rate:

Elementor Single Post #221

Powered By

AU Bank Zenith+ Credit Card

  • Renewal Benefits: 12500 RP on paying AF
  • Golf Privileges (unlimited)
  • Global Concierge Services
  • Complimentary Club Marriott Membership for first year*
  • Complimentary nights & buffet at participating ITC hotels*
  • Zero Lost card liability
  • Insurance/Comprehensive protection cover

Apply Now

Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Shopping

Reward %

1.33% - 13%

Joining Fees

₹

2500

Renewal Fees

2500

APR

45%

Welcome Benefit

Pay your Joining Membership Fee and get Gift Voucher equivalent to Fee Amount  = Rs.2,500 Complimentary Swiggy One and MMT Black Gold Membership when you spend Rs. 1 Lakhs and above within 90 days of card issuance. (w.e.f 1st Nov'24 Swiggy One replaces Club Vistara Silver Tier)

Renewal Benefits

2,500 reward points are credited upon paying the annual fee.

USP's:

Zero Lost card liability, Concierge, Good Food Trail Program,

Fees & Charges

Joining & Renewal Fees

Rs. 2500, Rs.2500

Interest & Charges

Late Payment Fees:
₹100 for amounts up to ₹500
₹750 for amounts between ₹5,001 and ₹10,000
Higher charges for larger outstanding balances

Additional Charges

Reward Redemption Charges:
₹99 for Reward Points Redemption
₹50 for Cash Redemption against statement

Rewards

Regular Rewards On Eligible Spends

Smartbuy – Flipkart

Smartbuy – Amazon/Apple Imagine/Redbus

Smartbuy – Hotels and Bus Bookings

Milestone Benefits

Yearly : Spend 3 Lakhs < Renewal Fee Waived Off.Yearly : Spend 5 Lakhs < Bonus 10000 RPsYearly : Spend 8 Lakhs < Bonus 50000 RPs

Exclusions

EMI, Fuel

Rewards capping

Rewards Validity

2 Years

Redemption modes

Catalouge Products
Airline Transfer
Travel Booking
Cashback

Additional Features

travel-3d

Lounge Benefits

  • Domestic : 6 per year
  • International : 8 per year
cashback-3d

Insurance Benefits

  • None
3902003

Other Perks

  • Swiggy Dineout Upto 20% Off

Eligibility Criteria

Age

18Y

Min

60Y

Max

Credit Score

725

Ex Min

Other: Card-to-card eligibility requirements.

Pros

Earn 4 reward points per ₹150 spent on retail purchases, including insurance, utilities, and education.
Accelerated 20 reward points per ₹150 spent at select merchants like Nykaa, Myntra, Marks & Spencer, and Reliance Digital.
Complimentary access to 12 domestic and 6 international airport lounges annually.
Milestone benefits include vouchers up to ₹16,000 each year.

Cons

High annual fee of ₹2,500 plus applicable taxes.
Reward points capped at 2,000 per month for grocery transactions and 2,000 per day for insurance payments.
No reward points on fuel, EasyEMI, wallet loads, rent, and government-related transactions.
Annual fee waiver requires spending ₹4 lakh in a year, which may be high for some users.

Terms and Conditions *

HDFC Regalia Gold Credit Card

HDFC Regalia Gold Credit Card

★★★★★
(3.9)
Best For: Travel / Shopping Bank: HDFC Bank Ltd Network: MasterCard
View Details Apply Now
Category of Card Reward % Joining Fees Welcome Benefits Renewal Fees Renewal Benefits Best For USP's
Travel 1.33% - 13.3% ₹2500

Gift Voucher Worth ₹2,500. Complimentary MMTBLACK GOLD and Swiggy One Membership on Spending O...

 ₹2500

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

 Travel / Shopping

HDFC Marriott Bonvoy Credit Card

HDFC Marriott Bonvoy Credit Card

★★★★★
(3.7)
Best For: Travel / Shopping Bank: HDFC Bank Ltd Network: MasterCard
View Details Apply Now
Category of Card Reward % Joining Fees Welcome Benefits Renewal Fees Renewal Benefits Best For USP's
Travel 0.2 - 0.65 % ₹3000

Gift Voucher Worth ₹2,500. Complimentary MMTBLACK GOLD and Swiggy One Membership on Spending O...

 ₹3000

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

 Travel / Shopping

Insurance/Comprehensive protection & Nominee details for Insurance, Zero Lost card liabili...