So, I set up all my utility payments through HDFC SmartPay on my Regalia card immediately after receiving the card. However, my RM told me to register for smart bill pay within 90 days of card issue date and it will become Free. How does it affect the validity of my reward points after transfer? 8 lakhs spends in an anniversary year. Basic MC/ Platinum MC/ World MC? I got a lifetime free upgrade option for Regalia first which I missed to apply last Aug. 4) Got offer via net-banking. Axis for example takes Rs. Shall I escalate the issue further for LTF or agree for 70% waiver of annual fee siting the reason 90 days condition not informed to the customer , expecting valuable suggestions regarding this. NR Regalia card can be lifetime free if you sign up for one assist and smartpay. How are these reward points calculated? Don’t know why he is saying that. Should we go for it? HDFC Regalia Credit card vs HDFC Business Regalia Credit Card, I have found 2 points … I confirm same with 2 of my colleagues. Didn’t get the upgrade. Earn 4 Reward Points on every Rs.150 spent, 12 complimentary access per calendar year within India (both at domestic and international terminals) using the HDFC Bank Regalia Credit Card, Swipe your Regalia credit card at the lounge to avail the complimentary lounge access, To check eligible Lounges for Visa Customers please visit, Visits exceeding the complimentary quota will be allowed at the discretion of lounge and will also be chargeable by the lounge. I never defaulted my payment in 10 years. HDFC Regalia first HDFC Infinia Credit Card HDFC Regalia Credit Card; Welcome Offers - Get a Free One-Year Membership of Club Marriot. Advertising Policy, India's #1 Source for Unbiased Credit Card Reviews, HDFC Bank Regalia Credit Card Review (2020). Yes. That’s when I noticed that I haven’t earned much points although there are plenty transactions and many being under 150. It’s a Lifetime Free card if the annual fee mentioned on the offer page is zero, Hi Sid, I think on spending 8L, you will earn 2.2% (~21000 regular spend based points + 15000 milestone points). If that is the case, then we may enjoy additional 1.3% cash back along with the usual 5%. Note that this is the only HDFC credit card that gives rewards for wallet loads at the moment, which is good. Hey Jet Priveledge = 6pts for 150 spend. Better use eligible Master or Visa cards for domestic lounges. Waiting for @Sid for guidance. An acquaintance has got HDFC solitaire credit card with 8 Lakh limit on a 12 Lakh ITR under Preferred Programme with high NRV and HDFC is still refusing to upgrade her to Regalia! 5% Cashback on other HDFC Bank Debit, Credit Cards. credit card application process delivery in june 2020 from hdfc ????? How to redeem? What you suggest now ? This is assuming 10X points on smartbuy for flight tickets for eg. Or should I take Regalia offer first and later after 6 months apply for Diners Black ? There is one update on add on card. Also, i notice my friends Regalia cards been upgrade to Infinia in recent past once after their credit limit enhanced. Now when you are charged at the year end for renewal, write to the customer care with the screenshot “SHOWING REGISTRATION DATE”. What do you suggest? Would happy to discuss n talk if @Sid share ur email with me, of course with ur permission. I also received LE offer in my 2 family members card and in 1 friend’s card. Apply only when the bank offers you the card. Please guide. ( I am not a Citibank Account holder and only use the credit card) . @Praveen – I was reading you are now planning to upgrade to DCB? 150 spent on bookings made through Credit card loyalty program for HDFC Bank premium customers and … That’s why I wrote to Nodal officer and did not send form to Chennai because I was certain they will reject it. Unleash the power points like never before on https://offers.smartbuy.hdfcbank.com/regalia , an exclusive portal for Regalia First credit cardholders. How much more do you expect to spend in a year? What about the cross sell products like add-on card? You will need your four-digit Credit Card PIN to complete the registration process. Query 2: My parents are flying from Delhi to Europe next month. 1. I am a preferred customer and my wife’s saving/FD is attached to my preferred status. Hi Rayhaan, For regalia card I was using HDFC jet platinum card for last 3-4 years and now I have recently got a call from HDFC chennai team to get an upgrade to Regalia or DCB. 1. I too faced the similar issue and raised with customer care. I got upgraded from Regalia first around 6 months back but have a low limit of 4.5 lacs only. Moreover, Citibank would never waive off the annual fee of Rs.3000 even if you spend a lot. HDFC ergo and HDFC life for insurance, home loan with HDFC ltd etc. What qualifies as “Retail Spends”? Thanks in advance. Total TAT was 5-7 days. However, it lost its name & fame as it went through series of devaluation in recent times but now HDFC has added new set of benefits to make it shine again as it always used to be. This was for Diners, but I think both regalia and diners are powered by the same service provider ie. Straight away apply for Diners Club Black. And what was your spending pattern like with regalia first? I know they run some promotions which gives cashback on LIC payments but regular rewards are missing. 6. I have also spent more than 6L in 6 months on my RF card, but not received any upgrade offer. Does someone know if we will get 5% Cashback on GV on someone else’s smartbuy account too? I need advise from you, what will happen to my all these credit cards after my status becomes NRI? Currently there is 10x rewards going in the hdfc smartbuy website. I have applied and got this card after reading your review. credit conversion ratio is similar to that of the shopping vouchers that we usually get with HDFC. I don’t see this statement written anywhere. I am having HDFC regalia first credit card and using the benefits of smartbuy for online shopping on Amazon and Flipkart. Notify me of followup comments via e-mail. Just past 1 year. I have savings a/c with hdfc and classic member. So if Spends are 300 then 6/8/10 points depending on card variant Have heard about this recently from a RM in bank when i wanted to upgarde my wife’s regalia to diners black. Is the pin for all the add on cards same as the primary card? How much was your annual spends on Regalia First ? Rhidhima download the card upgrade form from the hdfc website and send to the chennai office and then follow up on email with them. Hey PM, if it’s LTF, I don’t see why you shouldn’t go for it. Hello, They generally send the PP card after you have completed 4 billed transaction. Still anniversary year not completed for me. But i need Regalia as well due to its benefit for addon card. Used to. 9,00,000        Click Here to update your nominee details.Click Here for details. If neither of those are true, stick to threshold cards. Hi all, Download the Rewards Catalogue. Upgrade Classic account to Preferred account :p. Hi, Tho i am hdfc account holder but many do not hold. Only have a credit card login). 5 lakhs. My Annual spend is 20 lakhs So I assume they either deactivate the old one or make it’s free visits zero. Ultimate does not provide for add on in domestic and for international also 1 has to spend 20k on each card for lounge access. Yes First Exclusive While the Regalia with decent reward rate is good at its current position, it could be much better if the default reward rate is pushed a little more. Says they also have the three options only. With an average 50-70k per month spend on this card, i am still deprived of insta loans, jumbo loans facility. How does one verify if transactions on amazon/flipkart via the smartbuy page have materialized into the 10x/5x reward points. Now this is where the Regalia credit card shines. 4. i have mailed the application form for the upgrade to chennai office. I have been offered for a card upgrade from regalia first to regalia and that’s why I landed here when I was trying to find about the benefits. after how long can i request for an upgrade? Different cards follow different ‘minimum block’ for rewards. In about 3-4 week’s time they will come back and say that they have reversed and made it LTF. You can also subscribe without commenting. i hung up after 20 mins of “your call is important for us” Regalia/Regalia First– Both on MC World/ Visa Signature platform. Hope to see 10X back soon. 5% is nothing as I already have Amazon Pay card + Amex MRCC which gives me >=5% anyway on most online spends. HDFC Regalia : 4 rps per 150= 1.33%= Only Flight/ Hotel booking is worth the value. I am trying to upgrade from regalia first. Is it anybody received credit card upgrade delivery or of covid 19 condition and i don’t have RM. Will it work that way? PS: Recently got upgraded to business regalia from business regalia first. 5. my credit limit was 3,52,000 and same limit has been given for Regalia. I was thinking about upgrading to Diners Black. Now i will be requesting hdfc to issue a Priority pass for all of us (4 PP). 10x offers have been reduced substantially on Regalia. As your ITR is 12 lacs they will easily give regalia. You can only book the class which is mentioned on that site. I and my Add on members have been using it. Primary + Add-on cannot visit same domestic lounge at same time because you will notice that the card number is basically the same, Got my card upgrade option in netbanking today from RF to Regalia. Regalia- 0.5 per point That may help u apart from Amex which I confirm that it gives reward on minimum Rs. 1. BM/ RM tried his best for DCB but unsuccessful. I have just been offered an upgrade from Regalia First to Regalia and have decided to take it up. @Abby Regalia was one of the first premium credit card offerings in Indian market and hence was most sought after at one time. Something negative on my profile ? Thank you all for the updates and additional details. Can you please answer some questions regarding it if you are okay with it . Both have even the same reward rate. For the extra reward points on spending Rs 5L and 8L it mentions all retail spends to be considered. (which will easily cover the interest on the EMIs). Just got an sms and email after 5 days informing me of the change, How much old limit and how much get new limit and itr value. (I have not seen it as i am still out of station and my family have received it) Thanks and regards AMEX takes Rs. Her annual CTC is greater than 12. If yes, then what is the conversion ratio and how to do it? That’s what my RM told me. There is emi for 12 month which ll be done in another 3 months. ?while regalia hai .50 redemption value . i have a hdfc-jet platinum card IMHO it’s better to go through hdfc bank directly. If I would have read your blog in 2017, my spending would be around ~40lakhs in my personal CC(Each trip expense is around ~7-8 lakhs excluding Air fare). Always keep good credit behavior. They do offer it even without meeting salary conditions in many cases. Login to HDFC Netbanking portal Your gateway to luxury & indulgence. Hoping to get approval for Diners Black. I registered my postpaid bill via smart pay in Oct 2019 and Expected card has converted to LTF, and spend <3L till 15 feb2020. Like many enthusiast I also use to check my netbanking page every day. If there is a delay, you can write to them. Ans to query1: yes u will be able to use both priority passes at the same time. One of my friend using hdfc bank solitaire credit card with credit limit of rs. Acceptance issues if you travel a lot to North America and Japan and buy from wholesale shops there. I hold a HDFC Regalia CC for last 6-7 years with CL of about 8 lac. Do the add-on cardholder need to apply for a separate priority pass for international lounge access? I’ve accumulated about 15k points, but seeing the low points value, I want to upgrade to Regalia. Also Regalia First Credit Card has been discontinued. Siddharth How is Yes Better in this as they have .25 redemption value for RP. Is it still worth it to go for the card, even if free? Siddharth do you think I should ask them for Black after 6 months ? How do I apply for an add on regalia card and pp for my wife. The most bizarre part is when I call up customer care they are unable to find my information in their system HDFC Regalia card can fetch 2000 rewards points (3.5 – 5% returns based on redemption type) on 5X offer this month 2. HDFC is great at identifying the CLV and making a decision. Also,why i am not getting invite from bank for upgrade? Check out the respective article on DCB on the blog. Later sent email as well as Facebook but nothing fruitful. - Enjoy a 20% Discount on staying Dining across Aisa Pacific in this membership. So if Spends are 460 then 9/12/15 points depending on card variant, SBI too follow same system Just need to use it wisely . Thanks for all your responses. balance, at least 30% must be charged to the card. (Free lounge access +PP). I have never come across any place where VISA is not accepted till you are talking of a Regional area with restrictions like Iran or some regional merchants with exclusive MC or AMEX partnership! Hi, See the Difference Between ICICI Coral Credit Card HDFC Regalia Credit Card on the basis of their offers. Anyways I would love to pay again and again it we keep getting LE and better cards. Applied online and got the card in 1 week. Will try again for DCB after 6 months. Update: I got them without completing the anniversary year. current limit is 3lakhs. After chasing HDFC for last 6 months, recently got LE (now Limit is 5.42L) and today got offer to upgrade from Money Back to Regalia on Netbanking with Fee of Rs. Still they wont issue regalia. Upgrade from Regalia First seems a bit difficult to get. So if i spend Rs 5,00,000 I would be eligible for 13,333 points (5,00,000/150*4) immediately but with 10x reward points I would be eligible for an additional 119,997 reward points (133,330-13,333). 500,000/6 = Rs83,333 EMI= 83333/150X40 = 22222 points per month x 6 = 133333 points. 3. HDFC follows integer system & no points are awarded for transactions for value less then 150 Cards I have right now, This should give me free lifetime membership. from home to metro station, it is suitable for me. *****************. 150 spent for dining and 4 reward points for all other spends; Avail Complimentary Priority Pass Membership and get free access to 600 airports around the world. Getting rejected means, getting struck with Moneyback for another 3-6months. preffered account with high NRV may help. 3. To know more Click Here, (Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. IF I buy 5k GV from someone else’s smartbuy account do I get 5%? Well I am a doctor in a government hospital in delhi[ AIIMS] so I get around 130000 pm. Also, different perks. Folks, I need some feedback regarding an offer my RM is making. Don’t cancel the card right away. My spends would have been approx 2 to 2.5 lakhs. Unboxing I sent an email to the hdfc customer care. I also have SC Manhattan and Yes Bank prosperity edge credit cards. I used to stay in different Marriot Properties(JW, AC, Westin, Sheraton, Courtyard, Aloft…) and and collected ~1.5lakhs Marriott rewards(Platinum member). Currently i hold HDFC moneyback credit card from past 3 years (CL 9 lac). Arrow has much loved I recently completed spending 5 lacs but 10,000 reward points haven’t been added yet. 3. Still i am not getting option in NetBanking to upgrade the card. Thanks a lot for the info. Hi Sid on 2 January I recharge my mobile with payzapp with my linked retail regalia card for 99 rs and before this txn my rewards points are 2581 and after three days when this txn is posted in net banking the current points is 2701 and I have not done any other txn after this txn and to check again I loaded my FreeCharge wallet using payzapp virtual card with 150₹ on 5 January after adding money to payzapp with regalia and today my rewards points … 4. Any idea why AMEX is not rewarding for insurance transactions while all the others do. I go for business travel to SFO/SEA/China every 3-4 months and stick to Singapore airlines whenever possible and last year alone I have collected ~1.3 lakh Krisflyer(which is equal to 3 round trip MAA-SIN economy tickets & Krisflyer Gold membership). And can one use all the associated priority pass cards on a single day at the same international lounge? I am planning to upgrade from Regalia to Diners Black. Currently holding YES bank first preferred card with the credit limit of 5Lacs. You will be able to use all PP cards at the same time in a lounge.

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