Synopsis: With the HDFC Regalia Gold Credit Card, one can earn upto 15.7% rewards on the everyday spending. This article breaks down the benefits and the exact steps to maximize returns.
Need an Mid-Tier credit card with excellent rewards, travel benefits and easy redemption? The HDFC Regalia Gold credit card is a decent all-rounder that tries to offer the most benefits of spending without imposing high-rate premiums. Shop online, book flights, or travel a lot, this card will be accelerating rewards and earn valuable milestone benefits.
How to Earn Rewards Fast
1. Base Rewards
- Earn 4 reward points (RP) on each ₹150 spent.
- 1 RP is worth about ₹0.5
- That is a minimum of 1.3 percent of back reward.
- Other blocks are fuel, rent and government payment.
2. SmartBuy Accelerated Rewards
- Increase your profits by 3 to 10 fold rewards through the SmartBuy portal.
- Examples: 10 times hotel reservations, pharmacy expenses and some brands.
- There are popular brands such as Myntra, Nykaa, Reliance Digital and Marks and Spencer.
- There are limits: 2,000 RPs/day and 4,000 RPs/month in SmartBuy; 5,000 RPs/month in 5x brands.
3. Milestone Bonuses
- On ₹.5 lakh expended, 1,500 vouchers every quarter.
- 5,000 flight voucher on ₹5 lakh annual expenditure.
- Additional ₹5000 flight voucher on ₹7.5 lakh annual expenditure.
By combining all these rewards, you will earn up to 15.7 percent back on accelerated spending, which is a very nice rate on a mid-range card!
Also read: HDFC Regalia Gold Tops the List of Best Travel Credit Cards; Check Out Its Competitors
How to Easily Redeem Your Points
- Redeem flights and hotels through SmartBuy at ₹0.50/RP (up to 70% of the price)
- Premium items at ₹0.65/RP are purchased using the points on the Gold Catalogue.
- Claim statement credit at ₹0.20/RP to lower your bill on your card.
- Airline and hotel loyalty program transfers (50,000 RPs per month)
Additional Features
- Top Airmile Partners
- 2:1 exchange ratio with airlines such as Air Asia, SpiceJet, Turkish Airlines and hotels such as Accor and ITC.
- 1:3 to such airlines as British Airways, Qatar, Air India, and Etihad.
- Trick: It is a good idea to move the points to Accor, prior to upgrading cards – 1 lakh Regalia points translates to 50,000 Accor points worth more than ₹1 lakh. The values of points reduce by half after upgrading.
- Lounge Access and Fees
- 12 free visits to airport lounges in a year at both domestic and international airports in India.
- 6 free international lounges through priority pass.
- Annual Fee: ₹2,500 + GST (Fee is waived provided to spend ₹4 lakh every year)
- Income Eligibility:
- Salaried: ₹1.5 lakh and above monthly salary.
- Self-employed: ₹18 lakh plus/year earnings.
- Government workers: ₹1 lakh or more per month income.
Why Choose Regalia Gold?
- Massive travel benefits at no premium prices.
- Additional real value milestone vouchers.
- Rewards are their passion and Accelerated rewards through SmartBuy ensure that all their spending is rewarding.
- Lounge facilities to rest as you wait.
- Powerful air mile transfer policies to address all large airlines and hotels.
Advice for maximum benefits
- Hotel and flight bookings with SmartBuy are eligible to earn 10x rewards.
- Get 5x rewards on shop on brands such as Myntra and Nykaa.
- Meet spending targets quarterly and annually to get additional vouchers.
- Earn free points to Accor and then upgrade your card to its fullest.
- Enjoy lounge access privileges to make travelling easier.
Conclusion
In case you are looking for a credit card that is full of features and which is affordable and yet provides benefits of a premium style, HDFC Regalia Gold may be considered. It is particularly handy when you are not ready to use such premium cards as DCB or Infinia but you want to get decent rewards and travel benefits. Are you prepared to receive faster rewards and travel perks? The HDFC Regalia Gold card is a blend of value, convenience and flexibility that can easily fit in your lifestyle.
Written By Jayanth R Pai
