By Ankur Mittal
Updated On October 6, 2021

HDFC’s Regalia Credit card range is one of the most sought-after and best credit cards in its lineup. One such offering is Regalia First Credit Card which offers various travel and lifestyle privileges. It offers Reward Points on every purchase whether it is a retail purchase or paying utility bills or rent. Apart from Reward Points, it offers a premium travelling experience allowing the user to access some of the most luxurious Airport lounges every year across the globe using Priority Pass. Not only this, but you can also avail of exciting dining benefits with the Good Food Trail Program.

Moreover, you can earn up to 8,500 bonus reward points every year under the renewal and milestone benefits of the card. It also provides you with an opportunity to get your renewal fee waived off on the basis of your annual spends in the previous year. To know more about this credit card, have a look at its detailed specifications.

Best Suited For

Travel | Shopping |

Joining Fee

Rs. 1,000 (plus applicable taxes)

Reward Type

Reward Points |

Product Details

  • HDFC Bank Regalia First Credit Card comes with a joining fee of Rs. 1,000.
  • 1,000 Reward Points as a welcome bonus.
  • 4 Reward Points on every Rs 150 spent on retail purchases.
  • Complimentary airport lounge access worldwide with complimentary Priority Pass membership.
  • Air accident insurance worth Rs 50 lakhs.
  • Credit Liability cover worth up to Rs 5 lakhs.
  • Fuel surcharge waiver of 1% at all fuel stations across India.
  • 1,000 bonus Reward Points every year on paying the renewal fee.

Rewards and Benefits

Welcome Benefits

1,000 Reward Points on paying the annual membership fee

Movie & Dining

Special offers and discounts of up to 30% at more than 2,000 restaurants across India

Rewards Rate

4 Reward Points on every spend of Rs. 150

Reward Redemption

1 RP = Re. 0.30 for flight/hotel bookings via SmaryBuy, 1 RP = 0.3 Airmile, 1 RP = Re. 0.25 for redemption against products and vouchers, 1 RP = Re. 0.15 for redemption against cashback.

Travel

Complimentary airport lounge access across the globe, Priority Pass membership, up to 5% cashback on travel spends on Smartbuy

Golf

N/A

Domestic Lounge Access

8 complimentary domestic lounge access every year

International Lounge Access

3 complimentary international lounge access every year.

Insurance Benefits

Air accident insurance worth 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

Cardholder not liable for any fraudulent transaction post reporting the loss of card to the bank

Fees & Charges

Joining Fee

Rs. 1,000 (plus applicable taxes)

Renewal Fee

Rs. 1,000 (plus applicable taxes)

Spend based Waiver

Renewal fee waived off on annual spends of Rs 1 Lakh.

Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

Foreign Currency Markup

2% on all foreign currency transactions

Interest Rates

3.6% per month (or 43.2% per annum)

Fuel Surcharge

1% fuel surcharge waiver (maximum waiver of Rs 500 per billing cycle) at all fuel stations across India

Cash Advance Charge

2.5% of the total transaction amount or minimum Rs. 500.

Add-on Card Fee

Nil

HDFC Bank Regalia First Credit Card Welcome Benefits:

HDFC Bank entitles you to 1,000 Reward Points on paying of Annual Membership or joining Fee as a welcome bonus on HDFC Bank Regalia First Credit Card.

Rewards:

  • HDFC Bank Regalia First Credit Card allows you to earn 4 Reward Points on spending Rs 150 on all retail spends which includes Insurance Transactions, Utility bills, Education, and Rent Bills.
  • You can also redeem your reward points against Hotel bookings or air ticket bookings on HDFC’s exclusive Smartbuy portal. On the Smartbuy portal, you can also earn 5% cash back on travel and shopping spends.
  • You don’t earn any reward points on fuel transactions.

Reward Redemption:

Redemption of these reward points can also be done for gifts and vouchers from HDFC’s exclusive Rewards Redemption Catalogue. The Reward Points earned can be redeemed at the following rate:

  • Flights and hotel bookings via Smartbuy (1 RP = Rs 0.30)
  • Airmiles conversion through net banking (1RP = 0.3 Airmile)
  • Products and Vouchers via Netbanking or SmartBuy (1 RP = up to Rs 0.25)
  • Cashback (adjustment against the card’s statement balance); 1 RP = Rs 0.15​​​​​​​ in this case.

Cardholders can redeem a maximum of up to 70% of the booking value on flights and hotel bookings.

Milestone Benefits

  • 5,000 Reward Points on annual spends of Rs. 3,00,000 or more every anniversary year.
  • Additional 2,500 Reward Points on annual spends of Rs. 6,00,000 or more every anniversary year.

Dining Benefits

  • Have your favorite delicacies without any worries with HDFC Bank Regalia First Credit Card where you get special offers and discounts of up to 30% at more than 2000 restaurants across India at HDFC’s Dineout Portal.
    Also, get a chance to experience The Good Food Trail program with this premium credit card.

Travel

  • You get 8 complimentary access every year to the airport lounges within India.
  • You get complimentary Priority Pass membership (after 4 successful retail transactions on this credit card) with 3 complimentary international lounge access every year.
  • Lounge access within India using the Priority Pass will be charged at the US $27 per person per visit.
  • International lounge access after the 3 complimentary visits will also be chargeable.

Insurance Benefits

Avail complimentary insurance covers with your HDFC Bank Regalia First Credit Card. These covers include:

Category Insurance Coverage
Accidental air death Rs. 50 lakhs
Medical emergency cover Up to Rs. 10 lakhs
Credit Liability Rs. 5 lakhs

Renewal Benefits

With HDFC Bank Regalia First Credit Card, one can earn renewal benefits in two ways:

  1. You can earn 1,000 reward points as a renewal bonus when you pay Annual fees.
  2. You will not get the annual bonus in case the renewal fee is waived off.

Fuel Surcharge Waiver

The 1% fuel surcharge waiver is waived off at all fuel stations for transactions between Rs. 400 and Rs. 5,000 when you pay using your HDFC Bank Regalia First credit card.

Spend Based Renewal Fee Waiver

The renewal fee of Rs. 1,000 is waived off if you spend Rs. 1,00,000 or more in the previous anniversary year.

Eligibility criteria for HDFC Bank Regalia First Credit Card

For the issuance of HDFC Bank Regalia First Credit Card, there are some basic eligibility criteria:

  • The age of the cardholder should be at least 21 Years.
  • Applicants should have a net income of Rs 3.6 Lakhs per annum.
  • One should have a decent credit score or credit history (Preferably above 700).

How to apply for HDFC Bank Regalia First Credit Card?

To apply for HDFC Bank Regalia First Credit Card, you would be needing the following documents:

  • Proof of Address- Aadhar Card, Driving License, Voter ID Card, Passport, Utility bills on the name of the person who wants to issue the credit card.
  • Proof of Identity- Aadhar Card, PAN Card (Form 16 in case you don’t have a PAN Card), Driving License, Voter ID Card.
  • Proof of Income- Salary slips for the last three months (In case the person issuing the card is salaried) or Bank Statement for the last three months. You can also submit ITR or Form 16 as proof.

Bottom Line

HDFC Bank Regalia First Credit Card keeps up to its promise by providing travel and lifestyle privileges like Airport Lounge and Priority Pass Membership, Dining offers, Reward Points of various spends to name a few. Other than the above-said privileges, it also offers other benefits like fuel surcharge waiver, Insurance covers, cashback, etc. The 8,500 bonus reward points (equivalent to up to Rs. 2,550) you get under the milestone & renewal benefits are a big plus for this card and are among its most attractive features. So, anyone who loves to travel around the globe and wants some added privileges to make the journey luxurious can consider this credit card.

FAQs:

Yes, we have to pay the renewal fee every year. It gets waived off in case your Annual Spend is Rs 1 Lakh or above.

You can earn up to 7,500 Bonus Reward Points in a year as a milestone benefit.

You can avail of the Priority Pass after 4 successful transactions on this credit card and get access to International Lounges.

You can avail a cashback of 5% on travel and shopping spends.

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