Frequently Asked Questions
Features Tab:
How much does an HDFC Bank Regalia credit card holder save annually?
Click here to view Value Chart of Regalia Credit Card.
Lounge Access within India
What is domestic lounge access Program on HDFC Bank Regalia Credit Card?
HDFC Bank Regalia Credit Card cardholders can avail upto 12 lounge access within India in a calendar year using Visa /Mastercard credit card.
What happens if you have exceeded your complimentary lounge visits on your HDFC Bank Regalia Credit Card?
All the visits exceeding the complimentary quota will be allowed at the discretion of lounge and will also be chargeable by the lounge
How do I know the list of lounges providing complimentary domestic lounge access on HDFC Bank Regalia Credit Card?
Pls visit https://www.hdfcbank.com/personal/pay/cards/credit-cards/regalia to know the updated Visa / Mastercard complimentary lounge access list.
Priority Pass - Lounge access outside India
How can HDFC Bank Regalia Credit Card cardholders avail lounge access outside India?
HDFC Bank Regalia Credit Card cardholders can avail upto 6 complimentary international lounge access for self and add-on using Priority pass.
How to avail Priority pass card?
You can apply for Priority Pass for self or /and add on members post doing 4 retail transaction on your HDFC Bank HDFC Bank Regalia Credit Card Credit. Link to apply https://leads.hdfcbank.com/applications/webforms/apply/HDFC_Regalia_Priority_Pass1/Regalia_Priority_Pass.aspx
Can you use Priority pass within India?
Using Priority Pass in India will attract charges on your Credit Card.
https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/Super Premium/Regalia/Priority_Pass_Regalia.pdf
Dineout Passport membership
What is Dineout Passport?
Dineout Passport membership is a dining program that offers:
Minimum 25% off on the bill at 2000+ restaurants in 20 cities across the country
1+1 on Buffet at 200+ restaurants
Additional 5% off using Dineout Pay
Exclusive Access to Dineout Passport Experiences
Early Access to events and festivals such as GIRF, Gourmetlicious, etc.
Who all are eligible for this offer?
All Regalia credit cardholders are eligible for this offer.
How to avail this membership?
Spend Rs. 75,000 and more from your regalia credit card every calendar quarter beginning from 1st Jan,2021 to 31st March, 2021
Spends from which period will be considered for this offer?
Spends using your Regalia credit card beginning from 1st Jan,2021 till 31st March,2021 will be considered and every calendar quarter thereafter.
When will the membership code be sent to all winners?
All winners will receive the promo code within 1 month of spend target achievement.
For eg: If a customer has achieved 75,000 spend on 10th Feb,2021 , he will receive the membership code by 10th March, 2021
Insurance Feature
What is the comprehensive protection feature on HDFC Bank Regalia Credit Card?
HDFC Bank Regalia Credit Card Cardholders enjoy following comprehensive protection on the card:
Rs. 1 crore air accidental death cover: Cover is applicable in case the card holder shall sustain any air accident and suffer bodily injury resulting in death within 12 months of the accident.
Emergency overseas hospitalization up to Rs. 15 Lakhs available to primary card holder: Covers any medical expenses because of any Bodily Injury or sudden unexpected Sickness only for international travel outside India. Medical expenses incurred due to any pre-existing illness will not be covered.
Reward Points Program
How many base Reward Points do HDFC Bank Regalia Credit Card cardholders earn?
You can earn upto 4 RP on retails spends for every Rs 150 spent on the card.
Note - With effect from 1st Jan’23,
- Reward points will not be accrued for rental pay transactions, property management services like rent, maintenance, packers &movers, etc and government transactions
- Reward points earned on grocery transaction will be capped at 2000 RP per calendar month
- Redemption of Reward Points for flights & hotel bookings on Smartbuy portal will be capped at 50,000 Reward Points per calendar month.
- For rent payments made through third-party merchants, a fee of 1% of the total transaction amount will be levied from the second rental transaction of the calendar month.
- If you conduct a transaction (in-store or online) in Indian currency at an international location or with a merchant located in India but registered overseas, a dynamic & static conversion markup fee of 1% will be charged
Spend Aggregation Feature
What is the spend aggregation feature applicable on HDFC Bank Regalia Credit Card?
• Cardholders earn 10,000 Reward Points on achieving annual spends of Rs. 5 lakhs
• Cardholders earn additional 5,000 Reward Points on achieving annual spends of Rs. 8 lakhs in same anniversary year
For Important Terms and Conditions of Annual spends benefit program, Click Here
Rewards Redemption
What are the Reward Points redemption options available for the cardholder?
HDFC Bank Regalia Credit Card cardholders can redeem Reward Points
• For flight and hotel bookings via SmartBuy
https://offers.smartbuy.hdfcbank.com/regalia
• Curated Global experiences,
• Premium vouchers,
• Air Miles
• Cashback.
Unified Portal
What is HDFC Bank Regalia Credit Card Unified Portal & what does it provide?
HDFC Bank Regalia Credit Card unified portal is an exclusive portal for customers for their travel bookings, entertainment bookings & shopping. Customers can do both flight / hotel bookings and also redeem rewards points against travel bookings using their credit card on this portal https://offers.smartbuy.hdfcbank.com/regalia
Do I have to register online in order to use the HDFC Bank Regalia Credit Card Portal?
Registration on the portal https://offers.smartbuy.hdfcbank.com/regalia Bank Regalia Credit Card is optional. You can access all the features and functionalities of the website without registration.
However, all the transactions on the website need to be effected using the HDFC Bank Regalia Credit Card.
As a registered member, you will get the following benefits:
You do not have to provide your details every time you use the portal for bookings. You can view all your revenue and redemption bookings at one place.
Travel Concierge
Does HDFC Bank HDFC Bank Regalia Credit Card Credit Card provide travel assistance?
HDFC Bank Regalia Credit Card cardholders can customize their travel experiences with our 24 X 7 concierge Assistance. Toll free no: 1860 425 1188, Email ID: HDFC Bank Regalia Credit Card.support@smartbuyoffers.co
Fuel Surcharge Waiver
What is the fuel surcharge waiver applicable on HDFC Bank Regalia Credit Card?
HDFC Bank Regalia Credit Card cardholders enjoy a 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5000. No Reward Points are earned on fuel transactions.
Contactless Mode of Payment
Does the HDFC Bank HDFC Bank Regalia Credit Card provides payment option through contactless card?
HDFC Bank Regalia Credit Card Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
Please note that in India, payment through contactless mode is allowed for a maximum of Rs. 5000 for a single transaction where you are not asked to input your Credit Card PIN.
How can a cardmember enable Online, International and Contactless transactions?
Click here for detailed information
Eligibility Tab:
What is the eligibility criteria for availing a Zomato Pro Membership?
HDFC Bank Regalia Credit Card holders both fresh & upgrade onboarded on or after 20th March 2019 Until 10th Jan’21 and have spent 75,000 within first 90 days from card set up date are eligible for this membership.
Are existing HDFC Bank Regalia Credit Card Cardholders also eligible for the membership?
No, existing HDFC Bank Regalia Credit Card cardholders i.e. those sourced before 20th March 2019 will not be eligible for the membership.
What are the Terms and conditions with respect to Reward Point Program?
• Only valid Retail purchases qualify for Reward Points
• Reward Points will not be accrued for fuel transactions
• Reward Points are valid only for 2 years from the date of accumulation e.g.: If you have received Reward Points in the month of April 2019, then same will expire in April 2021.
• EasyEMI and e-wallet loading transactions will not accrue Reward Points.
• Reward Points accrued will be reversed if a retail transaction is converted into SmartEMI.
• If the Credit Card is not used for more than 365 days, Reward Points accrued will be nullified.
• Reward Points accrued for Insurance transactions will have a maximum cap of 2,000 per day.
How can HDFC Bank Regalia Credit Cardholder raise the claim with insurance partner HDFC Ergo?
HDFC Bank Regalia Credit Cardholders can directly raise the claim with HDFC ERGO within 130 days from the date of loss.
HDFC Ergo Contact details:
a. For Emergency Medical Expenses - Toll Free: +800 08250825 (International Toll Free - accessible from outside India) / 01204507250 (Chargeable)
b. Email: bankclaims@hdfcergo.com c. Address: A&H Claims Inward Team, HDFC
What are the Terms & Conditions ?
All the above insurance covers are available to the Primary card holder.
• Liability on lost card will start from the Date of Dispatch of the card upto 30 days, whereas Air Accident/ Emergency Medical Expenses will start from Date of Activation of the card (means first POS transaction/cash withdrawal by the cardholder)
• Liability on lost card covered to an extent of 900,000 for 2 days prior to Date of Block and 30 days post the Date of Block.
• Terrorism is specifically excluded under the policy.
• Travel Insurance provided under the policy shall not be valid for procuring a visa.
• Travel Insurance provided shall be valid for International Travel only. Maximum Trip Duration is restricted to 30 Days.
• Fraudulent transactions done by person known to the cardholder are specifically excluded.
• Insurance covers are not provided by HDFC Bank. Exclusions/Limitations are applicable as per the policies issued by the Insurance Company with whom the Bank has tied up.
Fees and Charges Tab:
Card Fee
What is the Membership fee / renewal annual applicable on HDFC Bank Regalia Credit Card?
Membership fee/ Renewal fee of Rs 2500 /-+ Applicable Taxes is applicable on HDFC Bank Regalia Credit Card.
What is the Spends based condition for membership fee reversal on HDFC Bank Regalia Credit Card?
Membership fee will be waived of on spends of Rs 3 lakh in anniversary year
What happens if you have exceeded your complimentary visits via Priority Pass?
HDFC Bank Regalia Credit Card cardholders exceeding 6 complimentary visits will be charged at US $27 + GST per visit.
Foreign Currency Transactions
What is the FCY mark-up fee on HDFC Bank Regalia Credit Card?
HDFC Bank Regalia Credit Card has a 2% FCY mark-up on any credit card transactions made outside India.
Interest Rate
What is the interest rate applicable on HDFC Bank Regalia Credit Card?
Interest rate applicable on HDFC Bank Regalia Credit Card is 3.49 % per month.
