HDFC Bank Regalia Gold Credit Card: Features and Eligibility 

The Regalia Gold Credit Card by HDFC Bank is one of the premium credit cards that the bank offers for individuals who enjoy a luxurious lifestyle and want added privileges with their spending. From complimentary airport lounge access and a Priority Pass membership to exclusive offers for add-on cardholders, it aims to enhance your overall experience. Explore its features and eligibility criteria below to see how it fits your lifestyle and financial goals.

Features of Regalia Gold Credit Card

Here are the features of the HDFC Regalia Gold Credit Card:

• You will get a complimentary Swiggy One and Make My Trip Black Gold membership as a welcome gift.
• If you spend ₹1.5 lakh per quarter, you will get ₹1,500 worth of vouchers.
• In case you spend ₹5 lakh in a year, you will get flight vouchers worth ₹5,000 and additional vouchers of ₹5,000 if you spend ₹7.5 lakh.
• As a cardholder, you can avail complimentary lounge access at more than 1,000 airports.
• If your card is lost and you report it within 24 hours, you have zero lost card liability on fraudulent transactions.
• You have a 2% foreign currency markup.

Rewards on Regalia Gold Credit Card

Here are the rewards for using the Regalia Gold Credit Card offered by the HDFC Bank:

• You can earn 4 reward points for every ₹150 spent using the card.
• As a cardholder, you can earn 20 reward points for every ₹150 spent at Myntra, Nykaa, Reliance Digital and Marks and Spencer.

You can redeem your reward points using HDFC Bank net banking portal at applicable rates.

Eligibility Criteria for Regalia Gold Credit Card

To be eligible for the HDFC Regalia Gold Credit Card, you need to meet the following criteria:

Insurance Coverage on HDFC Regalia Gold Credit Card

HDFC Regalia Gold card offers the following insurance coverage:

• Air Accident Coverage: For air accidents, there is a coverage of ₹1 crore in case of unprecedented bodily injury resulting in death within 12 months.
• Emergency Medical Expense: For international travel, there is a medical insurance cover of up to ₹15 lakh in case of sudden sickness or bodily injury.
• Card Liability Cover: In case of losing a card and card liability, there is up to ₹9 lakh insurance coverage. 

Fees and Charges of Regalia Gold Credit Card

The joining fee for the Regalia Gold Credit Card of HDFC Bank is ₹2,500 in addition to taxes. This card further has the same amount of renewal fee annually. However, this fee is subject to changes at the bank’s discretion. Ensure you check the fee before you apply for the card. 

How to Apply for HDFC Regalia Gold Credit Card Activation?

You can activate your card in the following way:

• Through IVR: Call 18602660333, provide your card number, validate using OTP and set your 4-digit PIN.
• Through HDFC Bank Net Banking: Log in to HDFC Bank Net Banking using valid credentials, choose 'Change PIN' and set your new PIN.

To enable your online and international transactions followed by contactless transactions, go through the processes below:

• Through Mycards: Login to HDFC Bank ‘Mycards’ using OTP, link your credit card and under the ‘Card Control’ section, activate contactless and international transactions.
• Using WhatsApp Banking: Activate your facilities by sending a message to 7070022222 by typing 'Manage My Credit Card'.
• Using Eva: Eva is an online chatbot where you can interact and activate your card.

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