HDFC Regalia Gold Credit Card || Review after 5 months of Usage

HDFC Regalia Gold Credit Card || Review after 5 months of Usage
#hdfccreditcard #hdfcregaliagoldcreditcard #hdfcregalia
Let's dive­ into our easy-to-follow guide about the HDFC Re­galia Gold Credit Card! This video will highlight the unique­ perks and awards that this exceptional cre­dit card brings to the table. The HDFC Re­galia Gold Credit Card, brimming with unmatched assets and be­nefits, is an ideal partner for wise­ users. The more you buy, the­ more reward points you rack up, get pampe­red with elite e­xperiences, avail acce­ss to airport lounges, and reap in the ble­nd of lifestyle advantages. In this walkthrough, we­ will break down these impre­ssive assets and how they can guide­ you in an enriched financial path. Don't skip this prospect - ge­t your HDFC Regalia Gold Credit Card today!
Link to view the benefits and apply,
v.hdfcbank.com/regalia-gold/i...
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📌 I am not financial advisor. The content on my KZbin videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research. Always remember to make smart decisions and do your own research.

[@tushar_parab]

good example bro, nobody shows screen and explain they just talk and talk abt benefits. you shared screen and explained the interface and how to use , this is good user experience.

[@SoftwareTraveller]

You're welcome bro, and don't forget to subscribe brother

[@tushar_parab]

@@SoftwareTraveller done

[@abhilashbehera3262]

It's really a content full video. No junk, no spams, straight to the point and everything was clearly explained. Please keep making such videos.

[@SoftwareTraveller]

Thank you

[@singhwalker9879]

4 lac min spend is required to waive off annual fee.. nice video..

[@gyanranjan8458]

Hello, regalia gold provides better return on travel spends ( flights, hotels) compared to Axis Atlas?

[@saidurrahaman6504]

Dear sir your explanation is too good

[@nefertiti434]

really? 080 lounge infinia was not accepted but regalia gold was? i find that hard to believe.

[@PrinjuVaidyan]

@@nefertiti434 yes

[@Pamaran_tech]

Nice video…but best redemption would be for Accor …1 point =0.5 accor points = 0.9 rupees

[@yogabyaakaash]

Great info! Took me a long time to find something like this. I have a Regalia Business and I think I need to upgrade to GOLD. HDFC also have launched the BIZPOWER range which they say has replaced REGALIA. Would this be better or the REGALIA GOLD ?

[@SoftwareTraveller]

havent heard about BIZPOWER, i need to look at that before i cld comment

[@bhanusurender1398]

Can we purchase gold using this card and convert to emi ?? Or do u know any such cards which offers such facility ??

[@user-yw6yj3qh9b]

What is the validity period of the Club Vistara and MMT Black membership after activation through the Regalia Gold Credit Card? Also after getting the card in how many days we need to activate the membership?

[@mrvinitshende]

Nice video bro. I have a question whether rent payment can draw reward points or not with regalia gold?

[@SoftwareTraveller]

someone answered that in this video and i heard it was not

[@insaafkaro009]

Do we get 2500 gift voucher on paying Regalia gold annual or renewal fee from next year

[@raghuv7237]

Excellent video! On the lounge access in Bglr T2 International, I read somewhere that it has to be through Voucher which is obtained after spending 1 lakh in a quarter. Is that correct or can we just swipe the card at lounge to access?

[@mathewsebastian3461]

You can swipe the card. I just did it few days back

[@dilipbhardwaj5391]

How to get this card on Card 2 Card basis??

[@shyamakrishna708]

Thank you brother ..good video One question any expiry for reward points

[@SoftwareTraveller]

So far my points haven't been expired at all but there is definitely some kinda validity for it

[@shyamakrishna708]

@@SoftwareTraveller thank you

[@venkatsatishyadav]

Nice background 👌

[@SoftwareTraveller]

Thank you

[@mrbrown7068]

Hi, Thanks for the video. Do government spends like NPS add against fee reversal limit and milestone spends?

[@SoftwareTraveller]

Nope not that I know of

[@aindrildebroy2437]

Yes, I paid for NPS through this credit card

[@aindrildebroy2437]

For NPS you will not receive any reward points/accelerated reward points, but the amount will be considered for achieving milestone spends

[@mrbrown7068]

@@aindrildebroy2437 thank you

[@SoftwareTraveller]

@@aindrildebroy2437 good to know

[@vratheeshkumar]

If I get an addon card, then can I access them twice in same day use the two different cards?

[@SoftwareTraveller]

Same day yes, same time no

[@hkds1449]

Good explanation. I saw this card allows one primary card holder with One guest to access lounge. Is it possible ? And let me know how to get this If I'm NRI

[@SoftwareTraveller]

not sure about NRI, need to check

[@hkds1449]

@SoftwareTraveller is add on guest allowed with this card.

[@hkds1449]

@SoftwareTraveller how to get access with my spouse

[@shubhamkamath]

How many add on cards I can get? Also can Priority Pass be applied on add on cards? Will the lounge entry be free? Also I want to get this as a backup card as I spend mostly on Amex. Planning to spend on this card after 4L milestone is completed on Platinum Travel.

[@SoftwareTraveller]

You can get upto 2 add on cards and yes PP can he applied as well but there are lots of terms and conditions

[@shubhamkamath]

@@SoftwareTraveller Thanks a lot!

[@raqibhasankhan8877]

@SoftwareTraveller ... I am using a Regalia plain card and intend for an upgrade to Gold. Right now, I have an add-on Regalia plain card and a PP alongwith an add-on PP that i had applied with my Regalia plain card. Do I only have to apply add-on regalia gold post upgrade or should i re-apply for PP and add-on PP as well, kindly suggest.

[@SoftwareTraveller]

I did the same 6 months back, no need to pay anything, regalia gold is much more better card in terms of lounge etc, only thing is u need to pay annual fee which can be waived off upon spending

[@raqibhasankhan8877]

Thank you so much for a quick response, highly appreciated !!

[@Srikanth-nv3qz]

@@raqibhasankhan8877 What do you mean PP , please explain and did you got your Regalia gold card bro?

[@vignesha6816]

Thanks for this informative video bro. But Diners-club privilege card has better lounge access 8-domestic and 8 - international. No need for Priority Pass also. If possible can you make a comparison between Regalia Gold vs Diners Club Privilege.

[@SoftwareTraveller]

Sure, il try to make one

[@TheMaddysri]

Do the add on card holders get the benefit of international lounge access??

[@SoftwareTraveller]

Yes

[@varunkumar-ou4vs]

What is your suggestion in hddc marriot dinner club card. They give you 12 international lounge access?

[@SoftwareTraveller]

I really haven’t looked at it, will certainly have a look thanks

[@Shahul512]

Great video! Can you explain where to spend on this credit card to get the maximum points?

[@SoftwareTraveller]

Through smart buy website like i have shown!

[@sriramjagadeesan5475]

Brother, I am planning to get Regalia Gold card. I am planning to get an Add-on card for my wife as well. Will she be given free lounge access for owning an add-on card?

[@SoftwareTraveller]

In general no, but if you guys are using at the same time it won't help, but if she's using it separately then it's worth it especially for domestic

[@bsaivamsi]

Am using LTF Millinis card now HDFC offering Regalia card LTF. Is it worth upgrading?

[@SoftwareTraveller]

@@bsaivamsi millinis card is something I haven't done much of looking into!

[@preetisoni9663]

I have hdfc regalia card. My RM said that markup charge is 2% for international payment. I thought of buying hdfc forex card but she told both have same markup. Can you confirm?

[@SoftwareTraveller]

Firstly I don't recommend to buy any forex card, having been to over 16 countries cash is the best transaction, and if at all you wanna but a forex card go for niyo global it's good

[@manojlilhare9962]

Hi, can we get free pick up or drop coupon for ola or uber cabs in certain conditions?

[@SoftwareTraveller]

Yes that is also there in this credit card but I'm not sure if it's ola uber or private vendors

[@VikasKottari]

@@SoftwareTraveller i think it’s Uber. I got a Uber voucher for booking the flight.

[@paulalbin9468]

Bro is there any limit of lounge access per quarter? The card says 12 complement domestic lounge so is there any cap or i can avail them all together

[@SoftwareTraveller]

No, u can use 12 in 12 days, or within one year

[@paulalbin9468]

@@SoftwareTraveller that's great 👍

[@lakshmananr6431]

I have millennia card as LTF... Now i have an option to upgrade to Regalia gold with 2500rs fee.. is it worth it?

[@SoftwareTraveller]

Absolutely worth it if you travel a lot

[@manasanagaraj9103]

Wanted to know how do you increase these points? I mean which kind of transactions would lead to higher points cumulation

[@SoftwareTraveller]

Booking in smart buy would gradually increase points

[@deepthip292]

I upgraded my card and now got to know that all This is applicable only if I spend 1.5 lakhs each quarter.

[@SoftwareTraveller]

that is regalia not for gold, annual fee is there but no spend criteria, im using this from 8 months

[@rlakshman85]

Hi, I need one information. I have HDFC Regalia card and have close to 25000 points. I just opted for HDFC Regalia Gold. Will the 25000 points be transferred or will I lose out on something? Please let me know and thank-you in advance.

[@SoftwareTraveller]

Points will be transferred I had 60k points which was transferred

[@vigneshrajendran5242]

Great information.. After apply Priority pass how long it will take to receive the Card?

[@SoftwareTraveller]

max 1 week

[@vigneshrajendran5242]

@@SoftwareTraveller Great. For add on card can we use the priority pass or needs to apply for a new one?

[@asamitsingh94]

For international transaction are you getting points?

[@SoftwareTraveller]

Never checked it, will let u know

[@asamitsingh94]

@@SoftwareTraveller please because it will null the forex markup fees if we are getting points on international transaction

[@nandus3095]

Hi, You said there is 6 international lounge acess,so if i am the primary card holder,can my spouse also awail the facility if i have an add on card.

[@nandus3095]

Any update?

[@SoftwareTraveller]

I wouldn't recommend doing that

[@preetisoni9663]

​@SoftwareTraveller any reason?

[@JOhnyJUnior008]

Any Spend Requirements for Airport Lounge Access ??

[@SoftwareTraveller]

for regalia gold, NO

[@hajar4367]

Can you tell difference between hdfc regalia vs infinia??

[@meteorgarden836]

Regalia has less joing-annual fees 2.5k + GST and infinia is by invite only. Infinia costs around 12.5k+ GST (joining and annual).

[@karmicirony]

Can you guide me, While migration from HDFC regalia gold to infinia how to safeguard my points, i have close to 1.5 lac points. So if i move form regalia to infinia will i get 1.5 lac points in my infinia account?

[@SoftwareTraveller]

no, so only regalia to regalia gold the points will be transferred not from regalia to infinia, for more info pls check with RM or customer care

[@KSIDDHESH]

I would like to take my family members with me inside lounge, let's say I have to take myself , my wife and my daughter, should I pay extra ? If so how much should I pay per head ?

[@SoftwareTraveller]

One person per card, without card I think 25 USD + tax and also depends on lounge

[@saidurrahaman6504]

Can I apply priority pass after 4 online transaction

[@SoftwareTraveller]

yes u can, no issues, and those 4 can be of 1 rupee also

[@NavigatorAnand]

Do we get pertrol diesel charges waived off

[@SoftwareTraveller]

There is surcharge but not sure what % of it

[@tia9928]

What's the best credit card for someone with over 1lakh salary? Are there better options than Milennia?

[@PhDLaw]

Go for scapia card by federal bank

[@SoftwareTraveller]

Regalia

[@Saurabh.Shrivastava]

Thanks for the information bro.. Today I received my Regalia Gold LTF as a upgrade to my Regalia First. My rewards points have also been to transferred to new gold card. Also, I received PP card alongwith my Gold card. Now I just want to know one thing that there is a mention of free pick up drop for airport facility with card but not much details are there regarding the same. Can You tell me how to use that feature???

[@SoftwareTraveller]

@@Saurabh.Shrivastava I haven't used that yet but planning to use soon will let u know,

[@hitanshuchawda1989]

Hey whats the current ratio for accor on hdfc gold after devaulation recently?

[@SoftwareTraveller]

Din get Ur Question brother

[@hitanshuchawda1989]

@@SoftwareTraveller hey wanted to know the transfer ratio of regalia points to accor and vistara

[@ombag7645]

No major devaluation in this card

[@eswaranadasu802]

Did you try connecting with RELATIONSHIP MANAGER for renewal fee waiver and make it LTF card

[@SoftwareTraveller]

Yes I did it cannot be waived off unless we meet spend criteria

[@eswaranadasu802]

@@SoftwareTraveller Spend criteria is 4 lakhs That is bit more 👍

[@SoftwareTraveller]

@@eswaranadasu802 yes

[@SoftwareTraveller]

@@PhDLaw yes upon a certain spending amount

[@Anshu__SH]

Thanks for sharing. I do have Regalia Plain credit card and that too lifetime free. I have got an offer to upgrade but Regalia Gold has annual fees. How can we make it lifetime free as well? Shall I close the current Regalia and reapply for Regalia gold as fresh application?

[@SoftwareTraveller]

There is a spend criteria to get annual fee waived off, upgrading is the best option, I had plain regalia too and that's not good enough IMO

[@Anshu__SH]

@@SoftwareTraveller 100% agree but that also comes with 4lakh rupees spent annually. What if I do not have that much of expenditure annually in that case this has annual charges way too much ☹️

[@SoftwareTraveller]

@@Anshu__SH I know it might be challenging but one hack I do is I spend everything in credit card, even small things like less than 100 rs will be spent on regalia gold so that's something u can make use of

[@rajanjha7696]

@@SoftwareTraveller can I pay my rent using CC and how, any charges I have to pay for that

[@manishpu25]

Make comparison video of Hdfc Regalia gold with Hdfc Diners club privilege specially international airport lounge access, please. Or tell me which one is better and why? In terms of int airport lounge.

[@SoftwareTraveller]

For me regalia gold is good cos I ve been using it not sure about diners

[@manishpu25]

@@SoftwareTraveller thanQ for reply, but try to make a comparison video as I wrote for…

[@SoftwareTraveller]

@@manishpu25 sure il definitely try to consider it

[@shantanuverma100]

@@manishpu25 Diner is a better card, but its more costly than regalia gold

[@manishpu25]

@@shantanuverma100 ThanQ 👍

[@nayankundu8668]

I have a regalia business card limit of 392000/- how I upgrad to gold card

[@SoftwareTraveller]

Through netbanking or call u RM

[@adityasoni7089]

sir ye card 3-4 lakh ki fixed deposit ke basis pe mil sakta hai kya? Bina koi income ke

[@SoftwareTraveller]

I don't think so, lekin u can ask the customer care

[@akshatrajdev7166]

Yes it is available for lifetime free till 31-03-2024 on a minimum FD of 3.5 lakhs.

[@adityasoni7089]

@@akshatrajdev7166 okay thank you. Or agar 31 march ke baad banwana chahe yearly fees lag jaye but Fixed deposit based pe mil sakta hai?

[@SoftwareTraveller]

@@akshatrajdev7166 i don't see any such on official website, can u point to the same ?

[@akshatrajdev7166]

@@SoftwareTraveller i guess its an offline only option.

[@saidurrahaman6504]

I am getting this card against fixed deposit through branch

[@SoftwareTraveller]

This card is good

[@meticulous-analyst]

I am eligibile for this card yet HDFC won't let me apply on their website 😅 RMs are useless, always trying to sell their bogus investment products

[@ajithmannath]

bru is hdfc regalia platinum card same as gold card i have the platinum card could i avail these benefits mentioned?

[@SoftwareTraveller]

No bro, you need to upgrade to gold

[@kumbakonam7176]

Bro my hdfc bank is giving this crefid card free of cost plus one zero balance account no income proof required

[@SoftwareTraveller]

Kindly share me the official link stating what terms and conditions, it will help others

[@kumbakonam7176]

@@SoftwareTraveller no I just spoke to the concerned person he only said bro

[@SoftwareTraveller]

@@kumbakonam7176 no concerned person can change the rules and make fake promises, u can only conclude if there is an official link on it wrt particular criteria

[@kumbakonam7176]

@@SoftwareTraveller no he said wait let me confirm it once I open SB account and get the credit card ok

[@akashsingh87234]

sir i have hdfc max saving account, how can i get hdfc millennia credit card ltf free, i don't have any hdfc bank credit card. i have amazon icici card. how can I Apply card to card basis for this. Is income documents required for card to card basis. do they verification of office and home.

[@SoftwareTraveller]

HFDC account is not needed for credit card, apply on the website and thier representative will call u and discuss

[@akashsingh87234]

@@SoftwareTraveller there is no option c2c apply online..it can be done only offline process. If you apply from website this will be considered as normal application and all the verification and documents will be demanded by bank. but in c2c process is different.

[@SoftwareTraveller]

@@akashsingh87234 Can u send me the official link on c2c?

[@akashsingh87234]

@@SoftwareTraveller which link? I said that there is no way to apply c2c basis online? which link are you asking?

[@SoftwareTraveller]

@@akashsingh87234 as far as i know there is no difference in c2c process from that of online and if there are no official links then its not trustworthy info if you have heard it from someone else FYI

[@rohitjoshi734]

Flight bookings need to be booked using HDFC smartbuy portal when using HDFC Gold Regalia card?

[@SoftwareTraveller]

Not necessarily but if you book you get 5x points so il always do here only

[@rohitjoshi734]

@@SoftwareTraveller Thanks. Can you share the link plz from where you book ticket using hdfc gold card? Thanks

[@SoftwareTraveller]

@@rohitjoshi734 jus Google smart buy regalia gold

[@VikasKottari]

Only bad part of this card for an international traveler is it has got 2% forex markup fee.

[@SoftwareTraveller]

thats actually less when compared to other cards in Axis and ICICI

[@VikasKottari]

@@SoftwareTraveller IDFC First Wow card (FD backed) offers 0% forex markup fee.

[@AnythinEverythings]

If u have millennia card and try to redeem your points u would get 1rs = 1points, u would have 73k

[@gn22689]

Reward earn rate is different for millennia

[@AnythinEverythings]

@@gn22689 yea!! If i spend 1L i would receive 1000points if i redeem it i would get 1k rupees!! How much will you get??

[@SoftwareTraveller]

Regalia gold is easily available to recieve not much of criteria and gold is the best for international travel

[@abhisheksingh6358]

How did you get the card for free?

[@SoftwareTraveller]

Free? I upgraded from regalia to regalia gold

[@eswaranadasu802]

Hey bro I also want to apply add-on for regalia gold from my mom primary card When I tried it asked me for customer id Which I don’t have I don’t have hdfc bank savings account But I own a HDFC TATA NEU CREDIT CARD already Will I get the add-on card ? How should I do it ? Did anyone tried to apply PRIORITY PASS card for hdfc ADD-on CREDIT CARD ?

[@gn22689]

I am getting a lifetime free offer with a limit of 4.8 Lacs. Now I feel like I should take it. Thanks for the explanation!!

[@SoftwareTraveller]

Gold?

[@gn22689]

Yes Gold. I did accept it today and got a virtual copy issued instantly.

[@Newspikey]

How did you get the offer of life time free? I have Regalia First and it about to expire. I want to upgrade it to regalia gold with LTF offer. Can you suggest?

[@gn22689]

@@Newspikey Bro I opened a premium salary account in hdfc few months ago and also booked a FD and RD recently. I started getting this offer since last month. I am not sure how it works but one reason could be the salary bracket and hdfc has a corporate banking tie up with my company. You might check your pre-existing CC upgrade offer in the banking app. If its not there, you might contact the customer care or visit your branch to negotiate further.

[@Newspikey]

​@@gn22689thanks brother 👍

[@thisisthebestid]

HDFC infinia credit card is accepted on all lounges world wide

[@SoftwareTraveller]

It's not accepted in Bangalore t2 international terminal, only gold is accepted

[@saidurrahaman6504]

I got this card life time free fd based

[@SoftwareTraveller]

Ok cool, can u send the official page where it's mentioned free ?

[@saidurrahaman6504]

Mention in Fd credit card form

[@SoftwareTraveller]

@@saidurrahaman6504 no that's information that's half baked, you need to give me details so it'll help others, officiall link is what I'm expecting

[@mdrejaul8262]

If anyone promoted this card, it wouldn't have done as well as you did. Card promotion for free😂😂😂

[@SoftwareTraveller]

It's not promoting, it's suggesting as I use it, yeah indeed promotion would have been nice but I'm not a big youtuber yet, hopefully one day

[@msbhq]

its an overrated card for the fees u have to pay. this Is clearly a promotional video. HDFC is push marketing to get regalia customers.

[@SoftwareTraveller]

Lol who's gonna pay me? I'm using this card from a while now and it's out of my recommendation only

[@msbhq]

@@SoftwareTraveller then you know very well it’s a card for a very small niche audience. Otherwise extremely overrated.

[@SoftwareTraveller]

@@msbhq even I thought the same but it's reached quiet a big audience compared to my other videos and also this card I have recommended as a travel card only if you see my thumbnail

[@msbhq]

@@SoftwareTraveller yes. It’s also not the best travel card.

[@SoftwareTraveller]

@@msbhq it is, compare same with axis it's good.

[@vaibhavgoyal88]

Why suddeny many youtubers have started promoting this card suddenly? Technofino you and many others

[@SoftwareTraveller]

Bro i am not getting 1 rupee also bro 😂 this is not promoting this is my personal opinion that's all, I ve been using this card from 10 years

[@JOhnyJUnior008]

All other cards getting devalued wrt lounge access.

[@dilipbhardwaj5391]

I want to accumulate accor points, suggest me some card which provides maximum returns in accor points?❤​@@SoftwareTraveller