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Features of HDFC Regalia Gold Credit Card

  • 1. Welcome and Joining Benefits:
    • Joining Fee: ₹2,500 + GST, offset by a ₹2,500 gift voucher upon fee payment (redeemable on brands like Marriott, Myntra, or Reliance Digital).
    • Welcome Benefits: On spending ₹1 lakh within 90 days of card issuance:
      • Swiggy One Membership: Complimentary 3-month membership (worth ~₹1,200)
      • MMT Black Gold Membership: Complimentary 1-year membership (worth ~₹1,500)
    • Practical Tip: Spend ₹1 lakh strategically within 90 days (e.g., on big-ticket purchases like electronics or travel bookings) to unlock these benefits without straining your budget.
    • More Content: The welcome benefits are tailored for lifestyle and travel enthusiasts. For example, Swiggy One is ideal for frequent food delivery users (saving ~₹50–100 per order), while MMT Black Gold suits those booking domestic or international hotels frequently.
    • Note: Earlier versions included Club Vistara Silver Tier membership, which has been replaced by Swiggy One for new cardholders.
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    • Reward Points Program:
      • Base Rate: 4 Reward Points (RP) per ₹150 spent on retail transactions.
      • Bonus Rate: 5X Reward Points (20 RP per ₹150) on spends at select partner merchants (Marks & Spencer, Myntra, Nykaa, Reliance Digital).
      • Cap: 5,000 bonus points per month.
      • Validity: Points expire after 2 years.
    • Redemption Options:
      • Gold Catalogue: 1 RP = ₹0.65 (highest value), redeemable for premium products (e.g., iPhones, Bose speakers, Samsung TVs) or vouchers at brands like Tanishq, Croma, or Apple.
      • Flights/Hotels via SmartBuy: 1 RP = ₹0.50 (book travel on HDFC’s SmartBuy portal).
      • Airmiles Transfer:Convert points to airline miles with partners like Accor, LifeMiles, Aeroplan, Singapore Airlines, or Club Vistara (ratio varies, typically 1:1 or 1:0.5).
      • Milestone Benefits:
        • Quarterly: Spend ₹1.5 lakh in a calendar quarter and receive a ₹1,500 gift voucher (choose from Marriott, Myntra, Marks & Spencer, or Reliance Digital). Max 4 vouchers/year (₹6,000).
        • Annual: Spend ₹5 lakh to get ₹5,000 flight voucher; spend ₹7.5 lakh to get additional ₹5,000 (total ₹10,000) via SmartBuy.
        • Tip: Combine large purchases and SmartBuy bookings to maximize benefits. Vouchers often offset the annual fee multiple times.
      • Lounge Access:
        • Domestic: 12 complimentary visits per year (3 per quarter). Includes add-on cardholders. No minimum spend required. Available at major airports.
        • International: 6 complimentary visits/year via Priority Pass. Add-on cardholders get separate passes after 4 retail transactions in 90 days. Guest visits may incur ~$27–$32 charges.
        • Example: Family of 4 can utilize 12 domestic visits/year and 6 international visits (3 round trips) at no cost.
      • Travel Benefits:
        • Airport Pick/Drop Vouchers: Up to 2 per quarter when flights are booked via SmartBuy (worth ₹500–₹1,000 each).
        • SmartBuy: Book flights/hotels/holidays with up to 10X rewards (40 RP/₹150). Monthly cap: 4,000 RP.
        • Foreign Currency Markup Fee: 2% + GST (lower than average cards).
        • Concierge Services: 24/7 assistance for travel, dining, or gifting.
        • Example: Use airport vouchers for round-trip cab savings (~₹2,000) and SmartBuy for extra rewards.
      • Insurance Benefits:
        • Accidental Air Death Cover: ₹1 crore (for primary cardholder).
        • Emergency Overseas Hospitalization: ₹15 lakh (covers major foreign medical expenses).
        • Credit Liability Cover: ₹9 lakh (protects from fraud if card is reported lost).
        • Tip: Keep customer care numbers handy during travel.
      • Lifestyle and Dining Benefits:
        • Swiggy Dineout: Up to 7.5% savings on premium restaurant bills via the Dineout platform.
        • 5X Rewards: On spends at lifestyle brands (Marks & Spencer, Myntra, Nykaa, Reliance Digital). Earn 20 RP/₹150 (e.g., ₹10,000 = ~₹866 in Gold Catalogue).
        • Example: Great for urban dining and lifestyle shopping (AirPods, cosmetics, etc.).
      • Other Features:
        • Annual Fee: ₹2,500 + GST; waived on annual spend of ₹4 lakh.
        • Fuel Surcharge Waiver: 1% waiver on ₹400–₹5,000 fuel transactions (max ₹250/month).
        • Contactless Payments: Tap-to-pay for amounts up to ₹5,000 without PIN.
        • Revolving Credit: Carry forward dues at ~3.6% monthly interest.
        • Add-On Cards: Lifetime free for family, with separate Priority Pass after 4 transactions.
        • Global Value Program: Optional 1% cashback on international spends.
        • Tip: Great value when used by the family to pool rewards and benefits.
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Benefits of HDFC Regalia Gold Credit Card

  • Welcome and Joining Benefits:
    • Joining Fee Offset: Pay ₹2,500 + GST and receive ₹2,500 gift voucher
    • Welcome Benefits:
      • Swiggy One Membership: 3-month complimentary membership
      • MMT Black Gold Membership: 1-year complimentary membership
    • Total Value: ~₹5,200 in welcome benefits
    • 10X Reward Points on purchases via the SmartBuy portal (capped at 7,500 bonus points/month and 2,500/day), offering up to 33% value-back on travel bookings.
    • 2X Reward Points on dining at standalone restaurants during weekends (capped at 1,000 points/day, not applicable to Swiggy/Zomato).
    • Reward Points Program:
    • Earning: Earn 4 Reward Points (RP) per ₹150 on retail spends (e.g., grocery, apparel, utilities, insurance, dining, travel).
    • Redemption: Up to ₹0.65 per RP in Gold Catalogue
    • Annual Value: ~₹31,200 for ₹10 lakh spend
    • Quarterly: Spend ₹1.5 lakh in a calendar quarter (Jan–Mar, Apr–Jun, etc.). Reward: ₹1,500 gift voucher (Marriott, Myntra, Marks & Spencer, or Reliance Digital). Max: 4 vouchers per year (₹6,000 total).
    • Annual:Spend ₹5 lakh in a year: Get a ₹5,000 flight voucher (redeemable via SmartBuy for domestic/international flights). Spend ₹7.5 lakh in a year: Get an additional ₹5,000 flight voucher (total ₹10,000).
    • Total Value: Up to ₹16,000/year
  • Travel Benefits: Lounge Access: 12 domestic + 6 international visits/year. Airport Transfers: Up to 2 vouchers per quarter. Low Forex Markup: 2% + GST.
  • Lifestyle Benefits: Dining:Up to 7.5% savings via Swiggy Dineout. Shopping: 5X rewards at select merchants.
  • Insurance Coverage: Travel: ₹1 crore air accident cover. Medical: ₹15 lakh overseas hospitalization.
  • Financial Flexibility: Fee Waiver: On ₹4 lakh annual spend. Add-On Cards: Free for family members. Contactless Payments: Secure tap-to-pay.
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Steps to Apply for HDFC Regalia Gold Credit Card

  • 1. Online Application:
    • Step 1: Visit HDFC Bank Website
      Navigate to the official HDFC website.
    • Step 2: Check Eligibility
      Click on “Apply Now” or “Check Eligibility.” Enter name, mobile number, income, employment type, and city.
    • Step 3: Fill Application Form
      Provide personal (name, DOB, address), income, and employment details. Upload required documents like PAN and income proof.
    • Step 4: Submit Application
      Review and submit. You’ll receive an application reference number for tracking.
    • Step 5: Verification
      HDFC may contact you for KYC or further documentation. Pre-existing customers may have faster processing.
    • Step 6: Approval and Card Delivery
      Once approved, the card will be delivered within 7–21 working days.
  • 2. Offline Application:
    • Step 1: Visit an HDFC Bank Branch
      Go to your nearest branch during business hours.
    • Step 2: Request Application Form
      Ask for the Regalia Gold Credit Card application or speak with a bank representative.
    • Step 3: Submit Documents
      Submit the filled form with ID, address, and income proofs.
    • Step 4: Verification
      HDFC will verify your documents and may reach out for further information.
    • Step 5: Approval and Card Delivery
      After approval, the card will be delivered within 7–21 working days.
  • 3. Through NetBanking (Existing Customers):
    • Log in to HDFC NetBanking.
    • Go to the “Cards” section and select “Apply for Credit Card.”
    • Choose Regalia Gold Credit Card and follow the on-screen instructions.
    • Details may be pre-filled for existing customers for faster processing.
  • 4. Through HDFC SmartBuy Portal:
    • Visit martbuy.hdfcbank.com.
    • Log in or register to the portal.
    • Select Regalia Gold Credit Card under the credit card section.
    • Complete and submit the application.

Eligibility Criteria for HDFC Regalia Gold Credit Card

  • For Salaried Individuals:
    • Non-Government Employees:
      Age: 21 to 60 years
      Net Monthly Income: Greater than ₹1.5 lakh
    • Government Employees:
      Age: 21 to 60 years
      Net Monthly Income: Greater than ₹1 lakh
  • For Self-Employed Individuals:
    • Age: 21 to 65 years
    • Income: ITR showing income greater than ₹18 lakh per annum
  • Credit Score:
    • A good credit score (preferably 750 or above) improves approval chances
    • Clean repayment history and low credit utilization recommended
  • Nationality:
    • Applicant must be a resident of India
  • Documents Required:
    • Identity Proof: PAN Card, Aadhaar, Passport, Voter’s ID, or other government-approved ID
    • Address Proof: Aadhaar, Passport, Utility Bill, or Rental Agreement
    • Income Proof:
      • Salaried: Recent salary slips and bank statement showing salary credit
      • Self-Employed: Latest ITR documents showing required income
    • Photograph: Recent passport-sized photo (may be required for offline or branch submission)
  • Employment Stability:
    • Minimum 1 year of continuous employment for salaried individuals
    • Minimum 2 years of stable business operation for self-employed
  • Existing HDFC Customer:
    • Having a pre-approved offer or existing relationship with HDFC Bank may ease approval
  • Location of Residence:
    • Card issuance is subject to availability of service in applicant’s city/town
  • Card Usage History:
    • Applicants with strong past credit card usage and timely repayments are preferred
  • Banking Habits:
    • Maintaining a good average monthly balance in HDFC accounts can support approval
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Documents Required for HDFC Regalia Gold Credit Card

  • Identity Proof (Any one of the following):
    PAN Card (mandatory for KYC and tax purposes)
    Aadhaar Card
    Passport
    Voter’s ID
    Driving License
    Any other government-approved photo ID
  • Address Proof (Any one of the following):
    Aadhaar Card (with complete address, if not masked)
    Passport
    Voter’s ID
    Utility Bill (electricity, water, gas) not older than 3 months
    Rental Agreement (registered, if applicable)
    Ration Card
    Any other government-approved address document
  • Income Proof:
    For Salaried Individuals:
    Latest 2–3 months’ salary slips
    Recent bank statement showing salary credit
    Form 16 (optional, if requested)
    For Self-Employed Individuals:
    Latest Income Tax Return (ITR) documents showing income > ₹18 lakh/year
    Financial statements or audited balance sheet (if requested)
  • Photograph:
    Recent passport-sized photograph
    Required for offline applications or branch visits

Factors for HDFC Regalia Gold Credit Card

  • Income Level:
    Salaried (Non-Government): Net monthly income > ₹1.5 lakh.
    Salaried (Government): Net monthly income > ₹1 lakh.
    Self-Employed: ITR > ₹18 lakh per annum.
    Income proof (salary slips, ITR) is essential for eligibility and higher credit limits.
  • Credit Score:
    Preferred credit score: 750+ (CIBIL, Experian, etc.).
    A good credit score enhances approval chances; low scores or defaults may lead to rejection.
  • Age:
    Salaried: 21–60 years.
    Self-Employed: 21–65 years.
    Applicants outside this age range may not be eligible or may undergo stricter scrutiny.
  • Employment Status:
    Salaried: Stable employment with a reputed organization.
    Self-Employed: Consistent income from an established business or professional practice.
    Minimum of 2+ years in current job/business preferred.
  • Existing Relationship with HDFC Bank:
    Holding an HDFC account, FD, loan, or credit card can help.
    Pre-existing relationship may lead to pre-approved offers and faster processing.
  • Debt-to-Income Ratio:
    Preferred ratio: Less than 30–40%.
    Lower monthly obligations compared to income indicate better repayment capacity.

Frequently Asked Questions

1. What is the HDFC Regalia Gold Credit Card?
The HDFC Regalia Gold Credit Card is a premium lifestyle credit card offering enhanced travel, shopping, dining, and insurance benefits. It is an upgraded version of the HDFC Regalia Credit Card, with better rewards, milestone benefits, and lounge access.
2. What are the joining and annual fees for the card?
- Joining/Annual Fee: ₹2,500 + applicable taxes.
- Fee Waiver: Waived on ₹4 lakh annual spend.
- Welcome Benefit: ₹2,500 gift voucher on joining.
3. Can I get a Lifetime Free (LTF) Regalia Gold Credit Card?
It’s not offered as LTF by default. However, select HDFC customers may get LTF upgrades based on credit limit or relationship. Check NetBanking or contact your RM.
4. Who is eligible to apply for the Regalia Gold Credit Card?
- Salaried (Private): Age 21–60, Net Monthly Income > ₹1.5 lakh
- Salaried (Govt.): Age 21–60, Income > ₹1 lakh
- Self-Employed: Age 21–65, ITR > ₹18 lakh/year
- Good credit score (750+ preferred) and clean credit history
5. What documents are required to apply?
- Identity: PAN, Aadhaar, Passport, Voter ID
- Address: Aadhaar, Passport, Utility Bill
- Income: Salary slips or ITR
- Photograph: Passport-sized (for offline)
6. What are the welcome benefits of the card?
- ₹2,500 gift voucher on joining
- Swiggy One + MMT Black Elite membership on ₹1 lakh spend in 90 days (replaced Club Vistara Silver)
7. How do I earn Reward Points?
- Base: 4 RP/₹150 on retail (incl. utilities, education)
- Accelerated: 20 RP/₹150 at Myntra, Nykaa, Marks & Spencer, Reliance Digital (up to 5,000 bonus/month)
- SmartBuy: Up to 4,000 bonus/month + 2,000 daily cap
- Extras: 500 RP for first utility bill, 2% cashback on SmartPay (max ₹200), 1% on direct utility (max ₹150)
- No RPs on fuel, rent, or property spends
8. How can I redeem Reward Points?
- Gold Catalogue: 1 RP = up to ₹0.65
- Flights/Hotels: 1 RP = ₹0.50
- Airmiles: 1 RP = 0.5 mile (Accor, LifeMiles, Aeroplan, etc.)
- Vouchers: 1 RP = ₹0.35
- Statement Credit: 1 RP = ₹0.20
- ₹99 redemption fee applicable
9. What are the milestone benefits?
- Quarterly: ₹1,500 vouchers on ₹1.5 lakh spend/quarter
- Annual: ₹5,000 flight voucher on ₹5 lakh, another ₹5,000 on ₹7.5 lakh spend
- International: ₹2,000 Yatra voucher on ₹1.5 lakh international spend/year
10. What travel benefits does the card offer?
- Domestic Lounges: 12 complimentary visits/year (no spend condition)
- International Lounges: Up to 6 visits via Priority Pass (4 retail transactions required)
- Airport Pick/Drop: Up to 2 vouchers/quarter via SmartBuy
- Forex Markup: 2%

List of HDFC Telangana Branches

  • Hyderabad (Abids)
  • Hyderabad (Adibatla)
  • Hyderabad (Allwyn Cross Road Miyapur)
  • Hyderabad (Ameenapur)
  • Hyderabad (Bachpalle)
  • Hyderabad (Begum Bazar)
  • Hyderabad (Balnagar X Road Branch)
  • Hyderabad (Banjara Hills Road No Fourteen)
  • Hyderabad (Banjara Hills Road No VII)
  • Hyderabad (Bank House Banjara Hills)
  • Hyderabad (Botanical Garden Road)
  • Hyderabad (Champapet)
  • Hyderabad (Cyberabad)
  • Hyderabad (Diamond Point Secunderabad)
  • Hyderabad (Dilsukhnagar)
  • Hyderabad (Film Nagar)
  • Hyderabad (Genome Valley)
  • Hyderabad (Gudi Malkapur)
  • Hyderabad (Hasthinapuram)
  • Hyderabad (Himayatnagar)