Finance

Mastering Rewards: The Final Evaluation of HDFC Regalia First Credit score Card


HDFC Financial institution has a premium assortment of bank cards for middle-class or elite prospects. It affords a variety of bank cards that present many advantages within the type of rewards, cashback, journey advantages, eating advantages, and so on. There are various different advantages obtainable on the HDFC Financial institution Credit score Playing cards together with reductions on film tickets, reductions on gas surcharges, and lots of others. A few of the HDFC Financial institution playing cards are HDFC Infinia Credit score Card, HDFC IndianOil Credit Card, HDFC MoneyBack Credit score Card, HDFC Millennia Credit score Card, and lots of extra.

On this article, we’re going to focus on the HDFC Regalia First Credit score Card. Earlier, HDFC used to problem AllMiles Credit score Playing cards for individuals who are usually not eligible for the Regalia. Afterward, HDFC stopped issuing Allmiles playing cards, because it was run by a unique loyalty companion. Due to this motive, this card got here into existence as a very good alternative for AllMiles Credit score Card.

Options and Advantages

Talked about below are the options and advantages of the HDFC Regalia First Credit score Card:

Welcome Advantages

Get a welcome bonus of 1,000 Reward Factors on profitable realization of the becoming a member of price of the HDFC Regalia First Card.

Milestone Advantages

  • Get 5,000 Reward Factors on annual spending of INR 3,00,000 or extra each anniversary yr.
  • Get an extra 2,500 Reward Factors on annual spending of INR 6,00,000 or extra each anniversary yr.

Eating Advantages

  • Get an opportunity to expertise The Good Meals Path program at prime eating places in prime cities.

Airport Lounge Entry

  • Get 8 complimentary entry yearly to the HDFC Regalia Lounge Access on the airport inside India.
  • Get a complimentary Precedence Move membership (after 4 profitable retail transactions on this bank card) with complimentary entry to worldwide lounges as much as 3 occasions a yr.
  • Get lounge entry inside India utilizing the Precedence Move shall be charged at US $27 per particular person per go to.
  • Getting worldwide lounge entry after the three complimentary visits may also be chargeable.

Insurance coverage Advantages

Following are the complimentary insurance coverage advantages that come together with HDFC Financial institution Regalia First Credit score Card.

Class Insurance coverage Protection
Accidental air loss of life INR 50 lakhs
Medical emergency cowl As much as INR 10 lakhs
Credit score Legal responsibility INR 5 lakhs

Renewal Advantages

With the HDFC Regalia First Card, one can earn renewal advantages:

  • When you pay the renewal price on the bank card, you’ll earn 1,000 reward factors as a renewal bonus.
  • You’ll not get the annual bonus in case the renewal price is waived.

Gas Surcharge Waiver

A waiver of 1% on all gas transactions between INR 400 and INR 5,000 in any respect gas stations in India. The waiver quantity is capped at INR 500 per billing cycle.

Spend-Primarily based Renewal Charge Waiver

If the cardholder spends an quantity exceeding INR 1 Lakh utilizing his bank card within the anniversary yr, the renewal price of INR 1,000 shall be waived.

Zero Legal responsibility Safety

The HDFC Financial institution gives its credit score cardholders with zero legal responsibility safety against a misplaced or stolen card. In accordance with this, you’ll not be answerable for any fraudulent transactions made in your misplaced/stolen card put up you’ve got reported this to the financial institution.

Eligibility Standards

Talked about below are the eligibility standards to use for the HDFC Regalia First Credit score Card:

  • The age of the first applicant ought to be no less than 21 years.
  • The minimal revenue of the applicant ought to be INR 30,000 monthly.
  • An applicant ought to have an honest credit score rating.

Paperwork Required

Talked about below is the listing of paperwork required to use for HDFC Regalia First Credit score Card:

  • Proof of Address: Voter ID Card, Aadhar Card, Utility payments within the identify of the particular person requesting the bank card, Driver’s License, and Passport.
  • Aadhar Card, Driving License, PAN Card (Type 16 for those who don’t have a PAN Card), and Voter ID Card are all acceptable types of identification.
  • Pay stubs for the final three months or a financial institution assertion for the final three months are acceptable types of proof of revenue. As proof of revenue, ITR or Type 16 will also be equipped.

Charges and Prices

Talked about below are the charges to use for an HDFC Regalia Credit score Card:

Particulars Particulars
Annual Charge INR 1,000 + taxes
Finance Prices 3.6% monthly i.e. 43.2% yearly
Late Fee Prices Lower than INR 100: NIL
INR 100 to INR 500: INR 100
INR 501 to INR 5,000: INR 500
INR 5,001 to INR 10,000: INR 600
INR 10,001 to INR 25,000: INR 800
INR 25,001 to INR 50,000: INR 1,100
Greater than INR 50,000: INR 1,300

Apply?

Talked about below are the steps to use for an HDFC Regalia Credit score Card:

Step 1: Open the official web site of HDFC Financial institution.

Step 2: Beneath “Borrow”, click on on “Credit Cards”.

Step 3: Select HDFC Regalia First Credit score Card from the listing of bank cards.

Step 4: Click on on “Apply Now”.

Step 5: Enter the cellular quantity for verification functions.

Step 6: Proceed additional to finish the web software course of.

Activate a Card or Generate a PIN?

Talked about below are the totally different strategies to activate a bank card or generate a PIN:

Methodology 1: Go to any nearest HDFC Financial institution ATM. On the primary menu, press “Generate Credit Card PIN”. With the assistance of a registered cellular quantity, generate your bank card PIN or change it.

Methodology 2: Log in to your HDFC Credit score Card web banking account. Beneath “Manage your Card”, change or generate the bank card PIN.

HDFC Regalia First Credit score Card Invoice Fee

Talked about below are the totally different strategies to make HDFC Regalia First Credit score Card invoice cost:

  • Login to the HDFC Web Banking account. Beneath the choice “Credit Card”, click on on “Credit Card Payment” after which enter all required particulars.
  • Go to the HDFC BillDesk web page, agree to the phrases and situations, after which click on on “Pay”. Enter the small print required like card quantity, electronic mail ID, and quantity to be paid to make the cost.
  • The invoice will also be paid through the HDFC cellular app. Beneath the choice “Pay”, click on on “Pay your Credit Card Bill”
  • Additionally, cellular wallet-based apps like Paytm, PhonePe, and so on. can be utilized to make invoice funds on a bank card.
  • If the funds are to be produced from an account apart from HDFC, NEFT can be utilized, the place a bank card quantity can be utilized because the account quantity.
  • One can even go to the HDFC Financial institution to make bank card invoice funds through cheque or money.

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