Regalia Activ Credit Card

• • Reward Points valid for 2 years from accumulation (standard). Infinia/Diners Black/BizBlack: 3 years. Easy EMI/PhonePe HDFC Bank Ultimo/Uno: 1 year. If card unused 365+ days, points nullified.
• • Redemption fee: ₹99

10,000 Bonus Reward Points on spends of ₹5 lakh, and an additional 5,000 Reward Points on spends of ₹8 lakh in an anniversary year. Earn 10,000 Reward Points on annual spends of ₹5 lakh. Earn additional 5,000 Reward Points on annual spends of ₹8 lakh.

Joining fee

₹2,500/- + Applicable Taxes

Annual / renewal fee

₹2,500/- + Applicable Taxes

Annual fee waiver

Renewal fee waived off if you spend more than ₹3 lakh in the previous year. Annual Membership Fee: Waived on spends of ₹3 lakh or more in an anniversary year.

Interest rate

Enjoy Revolving Credit on your HDFC Bank Regalia Activ Credit Card at nominal interest rate.

Interest-free period

50 days

Cash advance fee

Transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher on ATM withdrawals. Cash withdrawal limit: 40% of credit limit.

Overlimit fee

2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).

Payment dishonour

2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.

Forex markup

3.5% on all foreign currency transactions

DCC markup

3.50%

Reward redemption

₹99 per redemption

Fuel surcharge

1% waiver, on ₹400–₹5000 txns

Income (salaried)

The customer should have a net income of at least ₹25,000/month.

Card management via HDFC Bank.

• What should be the minimum income of the customer?
• Can the staff and the customer know of the Credit Card limit for each customer? If no, when and how will the customer get to know the credit limit?
• How can the approximate credit limit be calculated and communicated to the customer by the home loan staff?
• What is an "anniversary year"?
• If same Credit Card variant is offered to all customers, what will be the differentiating factors for customers of different income range?
• Is the Credit Card completely free of charge (Joining & Renewal) for first 3 years?
• What will be the applicable fees post first 3 years? In which scenario can the CC be free of charge even after first 3 years?
• How can the Credit Card be free for customers whose maximum credit limit is less than ₹3L per annum? (Considering ₹3L spends per annum is considered for renewal fee waiver?)
• What type of spends are not considered for redemption of RP?
• What is the RP and cash value ratio?
• What are the insurance benefits included in Regalia Credit Card?
• What is the TAT for activating the Credit Card? From which date is this considered – date of the lead submission or date of receipt of card?
• What benefits/ vouchers does the customer get on activating Credit Card?
• How can the customer activate the Credit Card?
• What will happen if card is blocked due to non-activation? Can it be re-activated or a new lead is to be generated?
• Can customer close credit card after first 3 years? If yes, what is the process for the same?
• Will a customer who was HDFC bank carded earlier be eligible for this exclusive CC offer? What are the factors that will be considered in both cases (yes and no)?
• Where can home loan staff check important features such as RP, redemption, process, applicable merchants, etc?
• How many lounge accesses will be offered to the customer in total per year? Will all be included in the credit card from the date of issue of the card?
• What is a Priority Pass? How and when will customer receive the same? What is the usage of the Priority Pass?
• Can Priority Pass be given to co-applicants? If yes, then how many co-applicants can be considered?
• In case of multiple Priority Passes, how will lounge access be assigned to all respective persons?