Eligibility Criteria
For Salaried Applicants
For Government Employees
For Self-Employed Applicants
Disclaimer: Terms and conditions apply. Credit Card approvals at the sole discretion of HDFC Bank Limited. Credit Card approvals are subject to documentation and verification as per the Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.
The minimum age to qualify for the HDFC Bank Regalia Gold Credit Card is 21 years for both salaried and self-employed individuals.
The HDFC Bank Regalia Gold Credit Card has a maximum age limit of 60 years for salaried individuals and 65 years for self-employed applicants.
To qualify for the HDFC Bank Regalia Gold Credit Card, salaried individuals must have a net monthly income of at least ₹1 lakh for government employees and ₹1.5 lakh for those working in private organisations. For self-employed individuals, the annual income reflected in their Income Tax Return (ITR) must be at least ₹18 lakh.
While no specific credit score is required, applicants with a history of defaults will not be approved for HDFC Bank Regalia Gold Credit Card.
Common reasons for rejecting an HDFC Bank Regalia Gold Credit Card application include not meeting the required income criteria, having an unsatisfactory credit score, incomplete or inaccurate application details, and insufficient documentation.
If your application for the HDFC Bank Regalia Gold Credit Card is rejected, you can re-apply after a waiting period of six months. This allows time to address any issues that led to the rejection and improve your eligibility.
No, visiting a branch is not mandatory to apply for an HDFC Bank Regalia Gold Credit Card. You can conveniently apply online from the comfort of your home or office by visiting the HDFC Bank website and following the application process.