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HDFC Bank Regalia First Credit Card Apply Now
Joining Fee Rs. 1,000 + GST
Rewards and Benefits
Welcome Benefits 1,000 Reward Points on payment of the annual fee.
Rewards Rate For every Rs. 150 spent, you will get 4 Reward Points.
Movie & Dining Special offers at premium restaurants with the Good Food Trail dining program across top cities.
Reward Redemption 1 RP = Re. 0.30 for flight/hotel bookings via SmaryBuy, 1 RP = 0.3 Airmile, 1 RP = Re. 0.25 when redeemed against products and vouchers, 1 RP = Re. 0.15 for redemption against cashback.
Travel N/A
Golf N/A
Domestic Lounge N/A
International Lounge N/A
Insurance Benefits Air accidental cover amounting to Rs 50 lakh, emergency overseas hospitalization cover worth up to Rs 10 lakh, credit liability cover worth up to Rs 5 lakh
Zero Liability Protection No liability against any fraudulent transaction done after the loss or theft of the card is reported to the bank.
Fees & Charges

Renewal Fee Rs. 1,000 + GST
Spend Based Waiver Waived off if an amount exceeding Rs. 1 Lakh is spent using this credit card.
Rewards Redemption Fee Rs. 99
Foreign Currency Markup 2% on all forex transactions
Interest Rates 3.6% monthly (or 43.2% annually)
Fuel Surcharge 1% fuel surcharge waiver on all fuel transactions
Cash Advance Charges 2.5% of the amount withdrawn or Rs. 500, higher of the two.
Add-on Card Fee Nil