How to Get Regalia Gold Credit Card as a Lifetime Free Credit Card
3 May, 2024
Synopsis
Regalia Gold Credit Card offers welcome benefits, rewards on purchases, vouchers and more.
Get a voucher worth ₹2,500 equivalent to the membership fee.
Spend ₹4 lakh or more within a year to waive off your renewal charges.
If you are looking for a Credit Card that offers both opulence and practicality, the Regalia Gold Credit Card is for you. Its array of exclusive benefits and the option to waive renewal fees by meeting annual spending criteria make it more appealing. Let us learn some ways to get a Regalia Gold Credit Card for free while exploring the benefits it offers.
Can You Get The Regalia Gold Credit Card Free For Lifetime?
Note that you cannot get a free Regalia Gold Credit Card for lifetime. You must pay a membership fee of ₹2,500. However, there are ways you can reduce the renewal charges. Here is what you can do:
Annual spend benefits: Aim to spend ₹4 lakhs within an anniversary year, spanning 12 billing cycles. Upon achieving this expenditure milestone, the bank waives the renewal fee for the subsequent renewal year, effectively making your card free for that period.
Get a Lifetime Free Add-On Credit Card: Being a Regalia Gold Credit Card member, you can apply for an Add-On Credit Card that comes with lifetime free validity. You can utilise Add-On cards for your family members including your spouse, children and parents.
Tips to Reach Annual Spends Benefits To Waive Off Renewal Fee
Here are some practical tips to keep your Regalia Gold Credit Card free for lifetime by meeting the annual spends criteria:
Strategic spending: Plan your expenses strategically throughout the year to reach the ₹4 lakh spend threshold. Consider consolidating payments like utility bills, travel expenses, or significant purchases through the card to reach this target.
Track spending: Monitor your expenses regularly to ensure you are on track to meet the required spending amount within the specified period.
Utilise offers and rewards: Leverage the card's benefits, reward programs, and special offers to optimise your spending and accumulate rewards while reaching the spending target.
Benefits of Regalia Gold Credit Card
The Regalia Gold Credit Card offers a host of compelling benefits, making it an attractive choice for users seeking a high-value Bank Card.
Welcome benefits: Upon acquiring the card, individuals enjoy exclusive access to Club Vistara Silver Tier and MMT Black Elite memberships. This offers a spectrum of travel and lifestyle privileges to enhance the overall experience.
Quarterly and annual vouchers: You can earn substantial rewards with quarterly spends of ₹1.5 lakh and receiving vouchers worth ₹1,500 in return. Moreover, for annual spends of ₹5 lakh, you will receive flight vouchers worth ₹5,000, with an additional ₹5,000 voucher on hitting spends of ₹7.5 lakh.
5X Reward Points: Specific retail partners such as Marks & Spencer, Myntra, Nykaa, and Reliance Digital offer an impressive 5X Reward Points on purchases.
4 Reward Points on retail spending: The card provides a consistent earning rate of 4 Reward Points for every ₹150 spent on retail purchases.
Travel privileges: Get access to over 1000 airport lounges at both domestic and international terminals within India for a comfortable and luxurious travel experience.
Eligibility Requirements to Get Regalia Gold Credit Card
To qualify for the HDFC Bank Regalia Gold Credit Card, you need to meet specific eligibility criteria:
For salaried Indian nationals:
Age criteria: Applicants must be at least 21 years old and not older than 60 years.
Net monthly income: Minimum ₹1,00,000
For Self-employed Indian nationals:
Age criteria: The minimum age requirement is 21 years, while the maximum age is 65 years.
Income eligibility: Income Tax Return (ITR) of more than ₹12 lakh per annum
Enjoy Luxury and Savings with Regalia Gold Credit Card
Regalia Gold Credit Card offers an array of benefits, from complimentary memberships to exclusive welcome rewards for cardholders. By leveraging the welcome benefits, and smartly spending to enjoy annual benefits, you can have luxury experiences while ensuring more savings. Plus, as a welcome benefit, you will receive a Gift Voucher equivalent to the fee amount, which can be used for future purchases or payments.
So, apply for the Regalia Gold Credit Card today and elevate your lifestyle and finances.
*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.
