To qualify for the HDFC Regalia Gold Credit Card, applicants must meet specific age and income requirements, which vary based on employment status:
| Category | Details |
|---|---|
| Eligibility – Salaried | Age: 21-60 yearsIncome: ₹1,00,000+ monthly net income |
| Eligibility – Self-employed | Age: 21-65 yearsIncome: ₹12,00,000+ annual income (ITR) |
| Credit Score | Typically 750+ required |
| Residency | Indian citizen with valid address proof |
| Employment | Salaried with stable job or self-employed with at least 2 years of business history |
| How to Check Eligibility | Online via HDFC website using mobile, PAN, or DOB |
| Application Method | Online application on HDFC site, fill personal and financial details |
| Documents Required | PAN, Aadhaar, Passport or Voter ID (ID Proof)Utility bills or Passport (Address Proof)Salary slips, Form 16 or ITR (Income Proof) |
| Verification | KYC verification by phone/video or physical verification |
| Card Dispatch | After approval, card sent to registered address |
| Activation | Activate via IVR or NetBanking to set PIN |
| Joining Fee | ₹2,500 + taxes (waived on ₹4 lakh spend/year) |
| Reward Points | 4 points per ₹150 spent, 5X points on Myntra, Nykaa, Reliance Digital, Marks & Spencer |
| Lounge Access | Complimentary access to 1000+ airport lounges worldwide |
| Other Benefits | Club Vistara Silver Tier, Good Food Trail discounts, insurance coverage |
For Salaried Individuals:
- Age: Between 21 and 60 years.
- Income: A net monthly income exceeding ₹1,00,000.
For Self-Employed Individuals:
- Age: Between 21 and 65 years.
- Income: An annual Income Tax Return (ITR) showing earnings above ₹12,00,000.
Additional Eligibility Factors:
- Credit Score: A good credit score (typically 750 or above) is advantageous.
- Residency: Applicants must be Indian citizens with valid address proof.
- Employment: Salaried individuals should be employed with reputable organizations; self-employed individuals should have a stable business history, preferably over 2 years.
📝 Application Process for HDFC Regalia Gold Credit Card
Applying for the HDFC Regalia Gold Credit Card is a straightforward process. Follow these steps:
Step 1: Check Eligibility
- Online Eligibility Check: Visit the official HDFC Bank website and navigate to the Regalia Gold Credit Card page. Click on the ‘Check Eligibility’ button. You’ll be prompted to enter basic details such as your mobile number, date of birth, or Permanent Account Number (PAN). Based on this information, the system will assess your eligibility.
Step 2: Complete the Application Form
- Online Application: If you meet the eligibility criteria, proceed to fill out the detailed application form. Provide accurate personal, professional, and financial details.
- Document Upload: Upload necessary documents, including:
- Identity Proof: PAN card, Aadhaar card, Passport, or Voter ID.
- Address Proof: Utility bills, Passport, or Voter ID.
- Income Proof: Latest payslips, Form 16, or Income Tax Returns.
Step 3: Verification Process
- KYC Verification: After submitting your application, HDFC Bank may conduct Know Your Customer (KYC) verification. This could involve a physical verification at your address or a video call.
- Approval: Upon successful verification, your application will be processed.
Step 4: Card Dispatch
- Receiving the Card: Once approved, the physical card will be dispatched to your registered address.
- Activation: Follow the instructions provided to activate your card. Typically, this involves setting a Personal Identification Number (PIN) via HDFC’s IVR system or NetBanking.
💳 Key Features of HDFC Regalia Gold Credit Card
- Welcome Benefits: Complimentary Club Vistara Silver Tier and MMT Black Elite Memberships.
- Reward Points: Earn 4 Reward Points for every ₹150 spent.
- Accelerated Rewards: 5X Reward Points on purchases at Myntra, Nykaa, Reliance Digital, and Marks & Spencer.
- Milestone Benefits: Receive ₹1,500 worth of brand gift vouchers on quarterly spends of ₹1.5 lakh. Additionally, earn ₹5,000 flight gift vouchers on annual spends of ₹5 lakh and ₹7.5 lakh.
- Lounge Access: Complimentary access to over 1,000 airport lounges worldwide.
- Dining Benefits: Up to 20% savings at over 20,000 restaurants through the Good Food Trail Program.
- Insurance Coverage: Comprehensive insurance benefits, including coverage for accidental death during air travel and medical emergencies abroad.
📌 Important Notes
- Joining/Renewal Fee: ₹2,500 + applicable taxes. This fee is waived if you spend ₹4 lakh or more in an anniversary year.
- Reward Points Redemption: Points can be redeemed for flights, hotels, gift vouchers, or statement credit. Redemption charges apply.
- Credit Limit: The credit limit is determined based on your income, credit score, and other factors.
📞 Customer Support
For any queries or assistance:
- Customer Care: 1800 266 4332
- Email: [email protected]
- Website: https://www.hdfcbank.com