Zaheer and Anam were a dynamic duo. They were on a quest to find a credit card that not only met their everyday needs but also provided them with various benefits. Little did they know that the HDFC Regalia credit card would soon become their trusted companion in this journey.
Importance of HDFC Regalia credit card
One sunny afternoon, Zaheer and Anam decided to meet over coffee to discuss their financial strategies. Zaheer had heard about the HDFC Regalia credit card from a friend and was eager to share its importance with Anam. As they sipped their cappuccinos, Zaheer explained that the HDFC credit card was not just any card; it was a gateway to a world of privileges and convenience.
Card type
Zaheer went on to describe the card’s features, starting with its type. The HDFC Regalia credit card was a gold standard in the world of credit cards, offering a plethora of benefits tailored to their lifestyle.
Reward points
One of the card’s standout features was the generous reward points system. Every purchase they made with their HDFC Regalia credit card earned them 4 Reward Points for every Rs. 150 spent. What’s more, they could earn 20 Reward Points for every Rs. 150 spent at select premium retailers like Marks & Spencer, Myntra, Reliance Digital, and Nykaa.
Key features
Anam’s eyes lit up when she heard about the key features of the card –
Complimentary Club Vistara Silver Tier and MMT Black Elite membershipÂ
As Zaheer and Anam delved into the details, they discovered that as a welcome benefit, spending Rs. 1 lakh or more within 90 days of receiving their HDFC Regalia credit card would elevate their travel experiences. They’d receive a complimentary Club Vistara Silver Tier membership, which meant they could enjoy exclusive privileges when flying with Vistara, one of India’s premier airlines. This included priority check-in, extra baggage allowance, and access to Vistara’s premium lounge.
Additionally, they would also be bestowed with MMT (MakeMyTrip) Black Elite Membership, a gateway to a world of travel perks. This meant they could unlock special deals and discounts on flights, hotels, and holiday packages through MakeMyTrip, making their vacations more affordable and enjoyable.
Lounge access
Anam was fascinated by the prospect of lounge access. Zaheer explained that their HDFC Regalia credit card would grant them complimentary access to airport lounges within India. This meant no more crowded and uncomfortable airport terminals. Instead, they could relax in style, enjoying comfortable seating, refreshments, and a peaceful atmosphere before their flights.
Moreover, through Priority Pass, they could access lounges outside India as well. This made their international travel experiences even more luxurious and stress-free.
Milestone benefits
Zaheer and Anam learned that the HDFC Regalia credit card rewarded their loyalty. Spending Rs. 1.5 lakhs in every calendar quarter would earn them vouchers worth Rs. 1,500. These vouchers could be redeemed at top-notch brands like Marriott, Myntra, Marks & Spencer, or Reliance Digital. This meant that their regular expenses could translate into tangible rewards, making their shopping experiences even more delightful.
If they managed to reach annual spending of Rs. 5 lakhs or Rs. 7.5 lakhs, they would receive additional flight vouchers. These flight vouchers would open the skies for them, making travel more accessible and affordable.
Zero lost card liability
Zaheer emphasised the importance of security. In case their HDFC Regalia credit card got lost or stolen, they had zero liability for fraudulent transactions, provided they reported the loss immediately. This security feature gave them peace of mind and ensured their finances remained protected.
Revolving credit
Zaheer highlighted that they could enjoy revolving credit on their HDFC Regalia credit card at a nominal interest rate. This feature allowed them to manage their finances flexibly and conveniently.
Foreign currency markup
The modest 2% markup on foreign currency spending meant that when they travelled abroad, they wouldn’t incur hefty charges when using their HDFC Regalia credit card. It made international transactions more cost-effective and convenient.
Concierge services
With a twinkle in his eye, Zaheer spoke of the exclusive 24/7 concierge services that came with their HDFC Regalia credit card. This was like having a personal assistant at their beck and call. From booking reservations at their favourite restaurants to arranging travel assistance, the concierge was there to make their lives easier and more enjoyable.
Good food trail program
“For foodies like us,” Zaheer said, “there’s the Good Food Trail program.” It offered up to 20% savings on restaurant bills via Swiggy Dineout at over 20,000 restaurants. This meant they could indulge in their culinary adventures without worrying about the bill.
Welcome benefits
Upon joining, they would receive a gift voucher equivalent to the membership fee they paid. This was a warm welcome gesture from HDFC, and it was like getting a little bonus just for becoming a cardholder. Plus, the complimentary Club Vistara Silver Tier and MMT Black Elite Membership added an extra layer of prestige to their new card.
Annual spend-based benefits
Zaheer shared another exciting perk. If they spent Rs. 4 lakhs in an anniversary year (12 billing cycles), their renewal fee for the next year would be waived. This was like being rewarded for their loyalty to the HDFC Regalia credit card.
Insurance and nominee details
The card came with comprehensive insurance coverage, including accidental air death cover worth Rs. 1 crore, emergency overseas hospitalisation coverage up to Rs. 15 lakhs, and credit liability cover up to Rs. 9 lakhs. Plus, they could easily update their nominee details, ensuring their loved ones were protected.
Smart EMI and contactless payment
Their HDFC Regalia credit card was not just about spending; it was also about managing finances. They could convert big spends into EMIs with Smart EMI, making larger purchases more manageable. Plus, the contactless payment feature made transactions fast and secure, adding a layer of convenience to their everyday purchases.
Reward points redemption
Finally, Zaheer explained how they could use their accumulated Reward Points. They could redeem them for a variety of benefits, including exclusive Gold Catalogue items, flights, hotel bookings, products, vouchers, and even air miles conversion. This made their HDFC Regalia credit card even more rewarding.
As Zaheer and Anam delved into these benefits, they realised that their HDFC Regalia credit card was not just a piece of plastic; it was a key to convenience, rewards, and financial security. They could not wait to start using it and unlock all these incredible privileges.