Question: Is HDFC Regalia Credit Card Free?

Is Regalia first card free?

HDFC Bank has been very successful with their premium offering Regalia Credit Card, so much so that everyone wants it….Joining Fees & Charges.Joining FeeRs.1,000 (Easy to get First year free)Renewal Fee WaiverRs.

1 Lakh Annual SpendPayment NetworkVisa SignatureMinimum LimitRs.1 Lakhs1 more row•Jun 1, 2020.

Which credit card is better than HDFC regalia?

Comparison of the Fee – HDFC Infinia vs HDFC RegaliaBasis of DifferenceHDFC InfiniaHDFC RegaliaRenewal Fees Waiving Off CriteriaSpend more than ₹8 Lacs in a year and waive off the Renewal Fees.Spend more than 3 Lacs within 3 Months and waive off the Renewal Fees.2 more rows

How do I upgrade regalia to Regalia first?

Log in to netbanking, go to cards, check upgrade, if you are eligible it will show, just press the button and u will get the card in 5–6 days. or visit nearest branch, fill up form for upgradation and attach your income documents.

How can I get an HDFC regalia credit card for free for a lifetime?

HDFC Regalia Credit Card. HDFC Regalia First Credit Card….The mandatory documents required for applying an HDFC lifetime-free credit card are:A copy of the PAN card.A copy of the ID proof.A copy of the address proof.A copy of the salary slips for the last 6 months.A copy of Form 16.A passport-size photograph.

Which bank credit card is best?

Best Shopping & Lifestyle Credit Cards for 2020 in IndiaHDFC Regalia Credit Card. Annual Fee: Rs. 2,500. … American Express Membership Rewards Credit Card. Annual Fee: Rs. 1,000. … SBI Card PRIME. Annual Fee: Rs. 2,999. … Standard Chartered Manhattan Platinum Credit Card. Annual Fee: Rs. … Citi Cashback Credit Card. Annual Fee: Rs.

What is maximum credit card limit?

Total Credit Limit is the maximum limit you can avail on your credit card. Ongoing beyond this limit, the bank will levy a penalty in the form of an over-limit fee. Available Credit Limit is the credit amount that is available for purchases as on the specified date.

Is there any charges for HDFC credit card?

The credit card charges that pinch you the most are finance charges that you incur if you revolve your credit or pay only the minimum payment due. In most HDFC Bank credit cards, the monthly percentage rate charged is Rs 3.49 per month, which comes to an annual interest rate of as high as 41.88 per annum.

What are the benefits of HDFC regalia credit card?

A. Complimentary Airport Lounge Access within India12 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.More items…

Which HDFC Credit Card gives free lounge?

Best Credit Cards in India for Airport Lounge Access 2020Best Airport Lounge Credit CardsBest OverallJetPrivilege HDFC Diners ClubHigh SpendHDFC Diners Club BlackTravel PerksCiti PrestigeICICI Sapphiro Amex4 more rows•Feb 20, 2020

Which is best credit card of HDFC?

Top 10 HDFC Credit Cards in India for 2020Credit CardAnnual Fee (in Rs.)Best Suited ForHDFC Regalia Credit Card2,500Shopping & TravelHDFC MoneyBack Credit Card500Rewards & ShoppingHDFC Millennia Credit Card1,000CashbackHDFC Titanium Times Credit Card500Movies & Dining6 more rows•Oct 19, 2020

What happens if we dont pay HDFC credit card bill?

If you fail to pay even the minimum amount due on your HDFC credit card, you will be charged a late payment fee that would be added to your next statement. … If you don’t make the payment even after all of these, the bank may suspend the facility on your credit card.

Can I have 2 HDFC credit card?

Getting approved for Multiple HDFC bank credit Cards: So having 5 Lakh or more limit on a single card increases your chances of holding multiple credit cards from HDFC, usually limited to maximum of 2 cards per person.

How can I get free airport lounge?

Use credit cards that give free lounge access. … Buy a third-party lounge pass. … Buy one-time access to a lounge for as low as $23. … Find free access with the LoungeBuddy app. … Get free access as an active military member. … Get an airline or alliance lounge membership. … Gain entry with elite points status.More items…•

What is the maximum limit of HDFC regalia credit card?

Rs.2 LakhsHDFC Regalia Credit Card Limit: Rs. 2 Lakhs – Rs. 5 Lakhs. HDFC Diners Club Rewardz Credit Card Limit: Rs.

Is Neft free in HDFC?

Private lender HDFC Bank has made online transactions through RTGS and NEFT free of cost, with an aim to promote a digital economy. … For NEFT transactions of over Rs 2 lakh, there was a fee of Rs 25. However, any NEFT or RTGS transaction carried out at the bank branch will be payable.

Which bank gives highest credit limit?

Some of the highest credit card limits right now are:Chase Sapphire Reserve: $10,000+. … Chase Sapphire Preferred: $5,000+. … Capital One Venture: $5,000+. … Discover it for Students: $500+. … Wells Fargo Secured: up to $10,000. … Amex Platinum: No Pre-Set Spending Limit. … Amex Gold: No Pre-Set Spending Limit.

Which is the most premium HDFC credit card?

Best Premium Card: HDFC Diners Club Black Card 2,100,000 to be considered. Its excellent bonuses nicely cancel out the card’s annual fees. On all retail spend (excluding fuel), you’ll earn a top-of-market 3.33% back (5 points per Rs.

Which is better regalia or regalia first?

HDFC Bank Regalia Credit Card has been most popular and successful product from HDFC Bank….HDFC Regalia vs Regalia First Credit Card.RegaliaRegalia FirstEligibilityMonthly Income > Rs. 1,20,000Monthly Income > Rs. 40,000Annual FeeRs. 2,500Rs. 1,000Welcome BenefitZomato Gold Membership-Reward Rate1.3%0.8%6 more rows•Oct 7, 2019

Is Regalia first a good card?

For consumers that frequently spend on the SmartBuy platform, the HDFC Bank Regalia First Credit Card is an excellent card to have. For instance, the card earns a great 8% rewards rate (40 points per Rs 150 spent, 1 points = Rs. … 150, 1 point = Rs. 0.3).

Can I convert HDFC Regalia reward points to cash?

Yes, you can convert your HDFC Bank credit card reward points to cash, but it is not available on all cards. … The amount will be added to your credit card account, which can be used to pay the outstanding principal. You must also remember that for each redemption, the bank charges a fee of Rs. 99.

Is everything free in airport lounges?

As a general rule of thumb, most things in an airline lounge are complimentary. … At U.S. lounges most food and drinks are complimentary, with the exception of premium alcohol and the meals for purchase. In international business and first class class lounges, all food and drinks should be free.