What are the Advantages Of Using HDFC Bank Regalia Gold Credit Card
20 September, 2023
HDFC Bank Regalia Gold Credit Card is a variant aimed at individuals whose monthly income is in the range of several lakhs. The card offers greater rewards when you shop online or at merchant stores. This card also offers exclusive features and benefits when it comes to travel-related purchases. Both, salaried and self-employed individuals can apply for the HDFC Bank Regalia Gold Credit Card, and get a lifetime free Add-on Credit Card. The following are the top benefits of the HDFC Bank Regalia Gold Credit Card.
Advantages of HDFC Bank Regalia Gold Credit Card
The following are reasons why you should get a HDFC Bank Regalia Gold Credit Card:
Travel benefits
The HDFC Bank Regalia Gold Credit Card offers complimentary membership to reward programs across travel and hotel bookings. You can receive up to ₹5,000 worth of a flight voucher if you spend ₹5 lakh using the Credit Card. For annual spends of ₹7.5 lakh, you will receive a complimentary flight ticket worth ₹5,000. Additionally, HDFC Bank Regalia Gold Credit Card gives you access to complimentary lounges at over 1000 airports, both domestically and internationally.Contactless payments
With HDFC Bank Regalia Gold Credit Card’s Tap to Pay feature, you can avail of faster transactions when shopping in stores. This feature allows contactless payments wherein you simply have to tap the card on the point-of-sale (POS) machine. The payment will be processed without the need for a transaction PIN. Note that per Reserve Bank of India (RBI) guidelines, if the purchase amount for in-store shopping exceeds ₹5,000, the transaction must be validated with the PIN.Reward points
One of the most important advantages of using a HDFC Bank Regalia Gold Credit Card is its reward points offerings for online and offline spends. For every ₹150 retail spends, you can earn four reward points. You can earn five times the reward points (i.e., 20 reward points) when you shop at select merchants. You can redeem your accumulated reward points in the form of cash against your statement balance. Alternately, you can convert your reward points into vouchers or make purchases against them via SmartBuy or NetBanking. Besides earning reward points, your spends can facilitate renewal fee waiver if the total spends in a year exceed ₹4 lakh.Insurance benefit
With the HDFC Bank Regalia Gold Credit Card, cardholders can avail of an air accidental death cover of up to ₹1 crore if they sustain bodily injuries due to an air accident that results in death. Additionally, if you’re hospitalised outside India while travelling, you can get up to ₹15 lakh cover under emergency overseas hospitalisation. Also, in case of the cardholder’s death, the card liability cover helps settle the pending debts of up to ₹9 lakh.
Final Note: A Credit Card is a convenient tool which offers you the benefit of buying now and paying later. What’s more, you can earn reward points for both, online and offline spends, which can be subsequently converted into cash or product or service vouchers. Ensure that you pay your Credit Card bills on time and utilise your reward points before they expire.
Enjoy unparalleled travel offers with the HDFC Bank Regalia Gold Credit Card.
*Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Credit Card approvals at the sole discretion of HDFC Bank Limited. Credit Card approvals is subject to documentation and verification as per Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.
