HDFC Bank offers a wide array of credit cards tailored to meet the diverse needs of its customers. Among these, one card stands out as the most popular choice due to its exceptional features, rewards, and benefits. In this blog, we will dive deep into the features, benefits, and eligibility criteria of the most popular HDFC credit card in 2024.
Most Popular HDFC Credit Card
HDFC Regalia Credit Card
The HDFC Regalia Credit Card is celebrated as the most popular HDFC credit card in 2024. It strikes a perfect balance between luxury and value, making it a preferred choice for many customers. With its comprehensive suite of benefits, the HDFC Regalia Credit Card caters to the needs of frequent travelers, shoppers, and those seeking exclusive privileges.
Key Features
Reward Points: Earn 4 reward points for every INR 150 spent on retail purchases.
Lounge Access: Complimentary access to over 1000 airport lounges globally.
Travel Benefits: Comprehensive travel insurance and exclusive travel offers.
Dining Privileges: Up to 40% discount at select restaurants.
Milestone Benefits: Additional reward points on reaching spending milestones.
Fuel Surcharge Waiver: 1% waiver on fuel transactions.
Reward Points
One of the standout features of the HDFC Regalia Credit Card is its robust rewards program. Cardholders earn 4 reward points for every INR 150 spent on retail purchases. These points can be redeemed for a wide variety of options including flight and hotel bookings, product catalogs, and cashback. Additionally, special rewards are provided for reaching certain spending milestones, encouraging users to maximize their usage and earn more benefits.
Travel Benefits
Frequent travelers will find the HDFC Regalia Credit Card particularly appealing due to its extensive travel benefits. Cardholders enjoy complimentary access to over 1000 airport lounges worldwide, ensuring a comfortable and luxurious travel experience. The card also comes with comprehensive travel insurance that covers flight delays, baggage loss, and medical emergencies abroad. Moreover, exclusive travel offers and discounts are regularly available, making it a valuable companion for those who travel frequently.
Dining Privileges
The HDFC Regalia Credit Card offers significant dining privileges, making it an excellent choice for food enthusiasts. Cardholders can avail up to 40% discount at select restaurants across India. These dining discounts are available at a wide range of fine dining and casual restaurants, ensuring that there is something for every palate. Additionally, special dining events and offers are frequently organized for Regalia cardholders.
Lifestyle Benefits
The HDFC Regalia Credit Card also offers a host of lifestyle benefits designed to cater to the diverse needs of its users. These include access to exclusive golf courses, luxury hotels, and premium events. Cardholders can also avail concierge services for travel bookings, restaurant reservations, and event planning. This card truly enhances the lifestyle of its users by offering them a plethora of exclusive privileges.
Milestone Benefits
To further enhance its value proposition, the HDFC Regalia Credit Card offers milestone benefits. Cardholders receive additional reward points upon reaching specific spending thresholds. This encourages users to use their card more frequently and earn more rewards. These milestone rewards can be significant and add up to substantial savings over time.
Fuel Surcharge Waiver
Another attractive feature of the HDFC Regalia Credit Card is the 1% fuel surcharge waiver on transactions at fuel stations across India. This waiver is applicable on transactions ranging from INR 400 to INR 5000, making it a practical benefit for those who frequently use their card for fuel purchases.
Eligibility Criteria
To apply for the HDFC Regalia Credit Card, applicants need to meet certain eligibility criteria. These include:
Age and Income
Age: The primary cardholder should be between 21 to 60 years old. Add-on cardholders should be over 18 years old.
Income: Salaried applicants need a minimum annual income of INR 12 lakh, while self-employed applicants should have a minimum annual income of INR 15 lakh.
Credit Score
A good credit score is essential for eligibility. HDFC Bank typically requires a credit score of 750 or above for the HDFC Regalia Credit Card. Applicants with a lower credit score may find it challenging to get approval.
Documentation
Applicants need to submit the following documents:
Proof of Identity: PAN card, passport, Aadhaar card, or voter ID.
Proof of Address: Passport, utility bills, or Aadhaar card.
Proof of Income: Latest salary slips, bank statements, or IT returns.
How to Apply
Applying for the HDFC Regalia Credit Card is straightforward. Prospective applicants can apply online through the HDFC Bank website or visit the nearest HDFC Bank branch. The online application process is quick and user-friendly, requiring the submission of necessary documents and personal details. Upon approval, the card is typically dispatched within a few working days.
Also Read: The Most Preferred Credit Card to Use in India
Conclusion
The HDFC Regalia Credit Card stands out as the most popular HDFC credit card in 2024 due to its exceptional features, rewards, and benefits. Whether you are a frequent traveler, a dining enthusiast, or someone looking for comprehensive lifestyle privileges, this card has something to offer. Its extensive range of benefits, combined with HDFC’s robust customer service, makes it an excellent choice for discerning customers. Consider applying for the HDFC Regalia Credit Card today to experience a world of luxury and rewards.