Welcome Benefits :- After successfully paying joining fees, you will receive a gift voucher worth ₹2500. You will also receive a complimentary MMTBLACK Gold and Swiggy One membership upon spending over ₹1 Lakh within 90 days of getting the credit card issued.​

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Rewards & Benefits :- 

Movie & Dining

20% Discount via Swiggy Dineout

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Rewards Rate

Get 4 Reward Points on every spend of Rs. 150 on retail including utilities, insurance, and education. Get 20 Reward Points on every spend of Rs. 150 on Myntra, Marks and Spencers, Nykaa, and Reliance Digital

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Reward Redemption

Redeem RPs for flight/hotel bookings via the Smartbuy portal at the rate of 1 RP = Rs. 0.50, convert RPs into airmiles through Netbanking at the rate of 1 RP = 0.50 Airmiles, Redeem RPs for products and gift vouchers on the Smartbuy portal at the rate of 1 RP = Rs. 0.35, and Redeem RPs against the Exclusive Gold Catalogue on Smartbuy at the rate of 1 RP = Rs. 0.65

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Travel 

Complimentary Flight Tickets on Reaching Spend Milestones

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Domestic Lounge Access

3 Complimentary Domestic Airport Lounge Access Every Quarter (12 Each Year)

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International Lounge Access

6 complimentary international lounge access

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Fees & Charges :- 

Spend-Based Waiver

Renewal Fee Waiver on Spending Rs. 4 Lakh in a Year

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Rewards Redemption Fee

₹99 + GST

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Foreign Currency Markup

2%

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Interest Rates

3.6%

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Fuel Surcharge

N/A

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Cash Advance Charges

Higher of 2.5% of the amount withdrawn or Rs. 500.

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Product Details :- 

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• Complimentary MMT Black Gold and Swiggy One membership on spending over ₹1 lakh within 90 days of getting the card issued.

• 1500 worth of vouchers from any one of M&S, Myntra, Reliance Digital, or Marriott on spending ₹1.5 Lakhs each quarter

• 5,000 worth of complimentary flight vouchers on spending ₹7.5 Lakhs in the card anniversary year

• 4 Reward Points on every retail spend of ₹150 and 5X accelerated Reward Points on every ₹150 spent on purchases at M&S, Nykaa, Myntra, and Reliance Digital

• 12 complimentary lounge access in India at both international and domestic terminals every year

• Six complimentary lounge access outside India through the Priority Pass

• Air death cover up to ₹1 Crore and ₹9 Lakh lost card liability cover

• Renewal fee waiver on spending ₹4 Lakhs in the card anniversary year

• Low foreign currency markup fee of 2%

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Pros/Cons :-

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Pros

• Enjoy the exclusive 24/7 concierge service that comes with the Regalia Gold Credit Card.

• You can enjoy access to both domestic and international lounges, with 12 and 6 visits per year, respectively.

Cons

• A fee of ₹99 is applicable for reward redemption.

• Card renewal fee waiver is at a high cost of ₹4 lakhs.