Monet Growth

@indianccgeek It’s really good card

The Ultimate HDFC Regalia Gold Master Guide 💳✨ The undisputed king of mid-premium travel & lifestyle cards. Here is everything you need to know, summarized. 🧵👇 1️⃣ Summary & Eligibility • Target: Mid-to-high spenders. • Salaried: Net Monthly Income > ₹1.5 Lakh. • Self-Employed: ITR > ₹18 Lakhs/year. 2️⃣ Fees, Waivers & Forex • Annual Fee: ₹2,500 + GST. • Fee Waiver: Spends of ₹4,00,000 or more in the preceding 12 months. • Forex Markup: 2%. • DCC Markup: 1.75% on international txns in INR. • No fuel surcharge waiver. 3️⃣ Welcome Benefits • Fee Reversal: Get a ₹2,500 gift voucher upon paying the ₹2,500 joining fee. • Spend Bonus: Spend ₹1 Lakh in your first 90 days to unlock complimentary annual memberships for MMT Black & Swiggy One! 4️⃣ Reward Structure (Reward Points - RP) • Base Rate: 4 RP per ₹150 on standard retail spends. • 5X Accelerated Retail: Direct spends at Myntra, Nykaa, M&S, and Reliance Digital. (Capped at 5,000 RP/calendar month). • 5X / 10X SmartBuy (Travel): Earn 5X on Flights and 10X on Hotels. (Overall SmartBuy cap is 4,000 Bonus RP/month AND 2,000 RP/day). • 5X SmartBuy (Vouchers): Earn 5X on Brand Vouchers. (Bonus is strictly capped at 3,000 RP/month, which shares the overall 4k SmartBuy cap. Maxes out at ~₹30k spend). • Note: Retail 5X and SmartBuy are separate buckets. You can max out both in the same month! • Max Overall Cap: 50,000 RP per statement cycle. 5️⃣ Milestones & Boarding Edge (NEW) • Quarterly: Spend ₹1.5L = ₹1,500 vouchers (Marriott/Myntra/M&S/Reliance Digital). • Annual: Spend ₹5L = ₹5,000 flight voucher. Spend ₹7.5L = Extra ₹5,000 flight voucher. • Boarding Edge: Upload any flight boarding pass on SmartBuy to unlock 2 free perks/quarter (e.g., Free Uber transfer worth ₹750, Spa access, ITC room upgrade). 6️⃣ Fees on Exclusions • Third-Party Rent: 1% fee. • Fuel: Txns >₹15,000 per txn carry 1% fee. • Utilities: Txns >₹50,000 a month carry 1% fee. • Third-Party Education: Txns >₹50,000 per txn carry 1% fee. 7️⃣ Lounge Access (The 2026 Update) • Domestic: 3 visits/quarter, BUT conditional. You MUST spend ₹60,000 in the previous calendar quarter to unlock access. • International: 6 visits/year via Priority Pass (No spend condition attached!). 8️⃣ Calculations, Exclusions & Caps • 0 RP Categories: Fuel, Rent, Govt txns, EMI, Wallet loads. • Grocery Cap: Capped at 2,000 RP per calendar month. • Insurance Cap: Capped at 2,000 RP per day. • Settlement Matters: Milestone tracking and RP calculation strictly depend on the settlement date, not the transaction date. 9️⃣ Redemption Rules (SmartBuy & Partners) • Travel (Flights/Hotels): 1 RP = ₹0.50 (Can pay max 70% with RP). • Exclusive Gold Catalogue: 1 RP = ₹0.65. • Airmile conversion: 1 RP = up to 0.5 airmile. • Statement Credit (Cashback): 1 RP = ₹0.15-₹0.20 (Avoid!). • Products and Voucher: 1 RP = ₹0.35 (Avoid!). • Accor ALL Transfer (The Best Value): 2 RP = 1 ALL Point (~₹1.10 value per HDFC RP at current conversion rates!). • Validity: Unredeemed RPs expire in 2 years. 🔟 Percentage Returns & Math • Base Spends: Yields ~1.33% on flights, ~1.73% via Gold Catalogue, and an incredible ~2.9% via Accor transfers! • 5X Spends: Yields a massive ~8.6% return via Gold Catalogue, or a staggering ~14.6% return when transferred to Accor! • Milestone Sweet Spot: Hitting exactly ₹7.5 Lakhs annually unlocks ₹16,000 in vouchers, boosting your base return to ~3.5% to 4.5%. ✨ PRO TIPS & HACKS • The 5X Ceiling: Spending exactly ₹37,500/month across the 4 partner brands maxes out the 5,000 bonus RP cap. Anything beyond drops to base rate. • Milestone Stacking: Consolidate your large purchases. Hitting the ₹1.5L quarterly target for the voucher simultaneously knocks out your ₹60k domestic lounge spend requirement! • Transfer to Accor: Always evaluate Accor hotels for travel. It is the absolute highest value you can extract from this card compared to booking directly on SmartBuy. Did you find this breakdown helpful? 🔁 Retweet to share with your friends, 🔖 Save this thread for your next statement audit, and ✅ Follow for more deep-dives into maximizing your credit card rewards!

If you use Swiggy frequently, there's a good chance you'll receive a Lifetime Free (LTF) offer. Instead of applying right away, it's worth waiting until you get the LTF offer.

@HDFCBank_Cares @creditkeeda @HDFC_Bank POV: Dealing with @hdfc 🤡 Post ➜ "Please DM us."
DM ➜ "Please send an email."
Email ➜ "Request rejected."
Back to post ➜ Tag @hdfc again. Achievement unlocked: Infinite Customer Support Loop. 🔄😂

@creditkeeda Hi, please DM us your registered contact details for further assistance. -Kushal, Service Manager x.com/messages/compo… Please note that HDFC Bank will only respond from either @HDFCBank_Cares or @HDFC_Bank, each marked with a verified blue tick on X.

Massive credit limit increase on my HDFC credit card! 🫡

@ccg33k Now Zepto voucher also removed from smartbuy. Why hdfc , you removing all credit card benefits one by one

HDFC is now tracking monthly spends for Infinia, not just annual spends. That's a new addition, groundwork for monthly milestones, perhaps? What do you think, #ccgeeks? Interesting time ahead for Infinia holders. 😉

@YourCardJourney Now Zepto voucher also removed from smartbuy. Why hdfc , you removing all credit card benefits one by one

Received. Warning you again! Don’t every apply HDFC CO-Branded card as your first HDFC Card. MoneyBack+ → Millennia → Regalia Gold → Diners Club Black Metal → Infinia Metal

@jassneetsingha Now Zepto voucher also removed from smartbuy. Why @hdfc , you removing all credit card benefits one by one

This is literally too much, HDFC! You are crossing all limits. First annual target of 18 lakhs, then 3000 RPs voucher limit, and now you are tracking monthly spending as well.

Zepto vouchers removed from @hdfc smartbuy ?

@EvryPaisaMatter Don’t understand @HDFC logic, am spending 60k/month in regalia gold, still stuck in 5lac limit but my friend spend 15k/month only but he got 10lac limit increase offer but mine was rejected many times .

People talking about Banks closing Infinia, meanwhile this happened for ours. PS - Top right is how our original Infinia card looked like.

Don’t upgrade high annual fees paid card until if you spend more than 8lac/year. I ll suggest best free and low annual fees card below 5 lac /year spenders

@SavingsSimpl @amazonIN My parcel also delivered at 10.30pm. I asked delivery guy why late he said got more delivery because of amazon sale. Reason accepted, If delay because of amazon annual sale otherwise ask them to deliver next day

Amazon Delivery at 10:30 PM for a standard order, not fresh , not amazonNow!! 🤯 Just a normal order.. Is @amazonIN extending delivery hours or is this unusual? I refused the delivery and asked to come tomorrow!

@creditcardwalah @PhonePe It was worth it before devaluation. Insurance rewards dropped from ₹2,000 to ₹500. Octania offers better deals, and SBI Cashback gives 5%. Only plus: 1 RP = ₹1. UPI rewards apply only above ₹100.

@monetgrowth @PhonePe I think you have not actually understood this card

🎉 Finally Approved! After closing a bunch of unused unsecured credit cards and reducing my overall card count. I got approved for the SBI PhonePe Select Black RuPay Card. 💳🔥 A reminder that a good credit profile matters just as much as a good credit score. #SBICard #ccgeeks #Cashback #CreditCards

@creditcardwalah @PhonePe Octania card giving more offers compare to PhonePe.

@creditcardwalah @PhonePe I bought smart lock in Amazon worth rs. 13500, for phone pe card got 3500rs offer but bbcl sbi octania got 3950 offer. 450rs extra offers in octania card. Both are sbi cards but offers are different

@iSatishAgarwal @X I bought smart lock in Amazon worth rs. 13500, for phone pe card got 3500rs offer but bbcl sbi octania got 3950 offer. 450rs extra offers in octania card. Both are sbi cards but offers are different

@monetgrowth @X Works in 10% instant discount SBI Card Sale Offers+Phonepe rewards+UPI itself+1st year is almost Free etc.

✈️🏨Not into Travel Spends/Redemptions 🚫 ❌Don't get FOMOed by CCgeeks Posts on @X 🏆1️⃣0️⃣Best Cards (for non-Travelgeeks) 💳SBI Cashback 💳HSBC Live+ 💳Axis Cashback 💳SBI Phonepe Select Black 💳ICICI Amazon Pay 💳Yes Kiwi 💳HDFC Millennia 💳HDFC Swiggy 💳BOB Eterna 💳Jupiter CSB Edge ✅Pick n Choose as per your needs Like ❤️ n Repost ♻️ if useful #CreditCard #CCgeek

@creditcardwalah @Kartikjain054 @PhonePe Not 2k I think it’s 500 only

@Kartikjain054 @PhonePe According to me SBI Cashback is a subset of SBI PhonePe Black Card. Previously SBI Cashback was differentiator because of 5k cashback limit but after recent devaluation both SBI Cashback and PhonePe Black both have 2k limit .

@creditcardwalah They are saying 10% for recharge but service charge also come closer to the 10%. My alternative for recharge amazon pay or payzapp and getting cash back also.

@creditcardwalah Sbi select phone pe always asking service charges for recharge and many. It’s waste. Only benefit for UPI ONLY

🎉 Finally, Rs 1500 PhonePe Voucher ✨ Against the Joining Successfully Delivered ✅ My most used Credit Card Now 😉 #ccgeeks #PhonePe #SBICARD #CreditCard

@iSatishAgarwal @X What’s that

@monetgrowth @X Phonepe Select Black has multiple sweet spots including UPI

@HeyItsMegha Even Scapia card also spend 20k /quatar for lounge

It seems like airport lounge access is getting tougher every year. So I have been using the HDFC Diners Privilege credit card for a while, and today I just noticed the spend requirement has increased to ₹60,000 in a calendar quarter to get the lounge vouchers. That’s a good amount of jump from the earlier criteria. For someone who travels a few times a year, this makes it much harder to qualify. What mid-range credit card are you using for airport lounge access these days? Not looking for premium cards with high annual fees or or spending limit, just something that offers decent value.