How to Increase Credit Limit on HDFC Bank Doctor’s Regalia Credit Card

Are you using HDFC Bank Doctor’s Regalia Credit Card? Want to Increase the credit limit? Then this is the right place. In this post we are going to show you How to Increase Credit Limit on HDFC Bank Doctor’s Regalia Credit Card.

Welcome to coinobear, In this post, we are going to show you How to Increase your Credit Limit on HDFC Bank Doctor’s Regalia Credit Card . HDFC Bank Doctor’s Regalia Credit Card Comes with a lot of exciting offers. Customers can make unlimited purchases at any merchant that accepts credit cards worldwide. HDFC Bank Doctor’s Regalia Credit Card is best fit for Shopping | enthusiast. You get 12 complimentary visits to lounges at all airports across India.

 

HDFC Bank Doctor’s Regalia Credit Card Details

Card Name HDFC Bank Doctor’s Regalia Credit Card
Joining Fee Rs. 2,500 (plus applicable taxes)
Reward Type Reward Points |
Fuel Surcharge Fuel surcharge waiver of 1% on a minimum and maximum spend of Rs. 400 and Rs. 5000 respectively at all the petrol pumps across India
Apply Link Apply Here

 

Fees & Charges

What is the joining fee of HDFC Bank Doctor’s Regalia Credit Card?

Rs. 2,500 (plus applicable taxes)

What are the Welcome Benefits for HDFC Bank Doctor’s Regalia Credit Card?

You get 2,500 Reward Points as a welcome gift

Doctor’s Regalia Credit Card provides you protection worth up to Rs. 20 Lakh against costs arising due to professional negligence.

HDFC Bank Doctor’s Regalia Credit Card Benefits & Rewards

Movie / Dining 

NA

Rewards Rate 

Doctor’s Regalia Credit Card provides you protection worth up to Rs. 20 Lakh against costs arising due to professional negligence.

Reward Redemption

Reward points can easily be redeemed for hotel and flight bookings, premium products and vouchers through https://offers.smartbuy.hdfcbank.com/regalia

Travel Benefits for HDFC Bank Doctor’s Regalia Credit Card

You get to enjoy complementary access to domestic and international lounge using HDFC Bank Doctor’s Regalia Credit Card

 

Airport Lounge Access

Domestic Lounge Access : Complimentary Lounge Access at airports across India – 12 times in a calendar year

International Lounge Access : 6 Complimentary International lounge visits using the Priority Pass Membership

Insurance Cover

Air accident insurance worth Rs. 1 Crore, Emergency overseas hospitalization cover worth up to Rs. 15 Lakhs, Credit liability cover worth up to Rs 9 Lakhs

How to Increase Credit Limit on HDFC Bank Doctor’s Regalia Credit Card

1. Create a budget plan

Before you decide what to purchase with your credit card, you should first create a budget plan. Spend some time doing research on how much money you have to spend each month. Do not forget about other expenses like insurance, utilities, food, and gas. By taking these factors into consideration, you will be able to determine what kind of purchases you want to make with your card. If you do not have enough money left over at the end of the month, you may need to cut down on certain spending categories.

2. Decide which product you want

After you have determined your monthly income, you can then choose what type of products you want to buy using your card. Take note of your personal preferences by looking at reviews online and reading customer opinions. You could even consider buying various samples in order to learn more about them before making a final decision.

3. Make sure you’re not paying interest

If you pay off your balance in full each month, you will avoid paying interest charges. However, if you carry a balance, you will incur additional fees. Always check the terms and conditions of your credit cards to find out what they offer.

4. Keep track of your spending

You should keep track of your spending and use the information to help you stay on top of your finances. Write down everything that you spend money on, including any receipts and items purchased online. Once you have done this, try to reduce unnecessary spending. As soon as you notice yourself starting to overspend, write down the amount you spent and add the item to a list of things you wish to get rid of.

5. Avoid impulse buys

Impulse buys are purchases without prior planning. These are purchases that you cannot wait to make, even if it means having to sacrifice something else. When you are tempted to make an impulsive purchase, take a moment to ask yourself whether this really is necessary. If you still feel compelled to go ahead with your purchase, try delaying the transaction until later.

6. Manage your credit score

If you want to increase your limit on your credit card, you will need to maintain a good credit score. To improve your credit score, start by monitoring your payments. Try to repay all of your bills on time and do not exceed your limits. In addition, look for ways to lower your debt-to-income ratio. Your ratio is calculated by dividing the total amount of debt you owe by your gross annual income. A higher ratio indicates less financial responsibility. Paying down your debts can greatly improve your credit score.

 

Our thoughts

Increasing Card Limit on HDFC Bank Doctor’s Regalia Credit Card totally depends on your previous relationship with your bank, credit history, and payment time.  If we missed anything please let us know in the comment section

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