HDFC Bank Regalia First Credit Card

HDFC’s Regalia Credit Card range is among the most sought-after and best in its lineup. One such offering is the Regalia First Credit Card, which offers various travel benefits and lifestyle privileges. It offers Reward Points on every purchase, whether it is a retail purchase, paying utility bills, or rent. Not only this, but you can also avail of exciting dining benefits with the Good Food Trail Program. Bonus rewards of up to 12,500 points can be earned each year through the card’s renewal and milestone benefits. Also, the credit card’s annual fee is eligible for a waiver if your spending exceeds ₹1 lakh in a card anniversary year. To learn more about this credit card, see the detailed specifications below.

Product Details

• 1,000 Reward Points as a welcome bonus.
• For every ₹200 spent on retail purchases, you will get 3 Reward Points.
• Air accident insurance worth ₹50 lakhs.
• Credit liability cover worth up to ₹5 lakhs.
• 1% fuel surcharge waiver on fuel transactions.
• On payment of the renewal fee, you will get 1,000 bonus reward points.

HDFC Bank Regalia First Credit Card Features & Benefits

The HDFC Regalia First Credit Card is among the most popular basic credit cards issued by the HDFC Bank and comes with several exciting advantages. From welcome benefits to reward programs to travel privileges, this card allows its customers to make their experiences more rewarding. The following are detailed features and benefits of the HDFC Regalia First Credit Card:

Welcome Benefits

HDFC Bank entitles you to a welcome bonus of 1,000 Reward Points on successful realization of the joining fee of the HDFC Regalia First Card.

Milestone Benefits

• 7,500 Reward Points on annual spends of ₹6,00,000 or more every anniversary year.
• An additional 5,000 Reward Points on annual spends of ₹9,00,000 or more every anniversary year.

Insurance Benefits

Following are the complimentary insurance benefits that come along with HDFC Bank Regalia First Credit Card.

Renewal Benefits

With the HDFC Regalia First Card, one can earn renewal benefits:

• Once you pay the renewal fee on the credit card, you will earn 1,000 reward points as a renewal bonus.
• You will not get the annual bonus in case the renewal fee is waived.

Fuel Surcharge Waiver

A waiver of 1% on all fuel transactions between ₹400 and ₹5,000 at all fuel stations in India. The waiver amount is capped at ₹500 per billing cycle.

Spend Based Renewal Fee Waiver

If the cardholder spends an amount exceeding ₹1 Lakh using his credit card in the anniversary year, the renewal fee of Rs. 1,000 will be waived off.

Regalia First Credit Card Reward Earning

• HDFC Regalia First Card allows you to earn 3 Reward Points on spending ₹200 on all retail spends.
• 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% cashback on travel and shopping spends.
• You don’t earn any reward points on fuel transactions.

Reward Points Redemption:

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

• Flights and hotel bookings via Smartbuy (1 RP = ₹0.30)
• Airmiles conversion through net banking (1RP = 0.30 Airmiles)
• Products and Vouchers via Netbanking or SmartBuy (1 RP = up to ₹0.25)
• Cashback (adjustment against the card’s statement balance); 1 RP = ₹0.10​​ in this case.

Cardholders can redeem up to 70% of the booking value for flights and hotel bookings, and the rest must be paid with the credit card.

HDFC Regalia First Credit Card Fees and Charge

Being aware of all the terms & conditions, features, and charges of a credit card is really essential before you proceed further to apply for it. The following are the important fees and charges of the HDFC Regalia First Credit Card:

• The HDFC Bank Regalia Credit Card comes with an annual fee of ₹1,000.
• The cardholders will have to pay an interest rate of 3.75% per month on the overdue amount. This interest rate comes out to be 45% annually.
• The cash advance fee on this credit card is 2.5% of the transaction amount, subject to a minimum of ₹500. This fee will be charged if you withdraw cash using your Regalia First Credit Card.

HDFC Regalia First Credit Card Limit

With the HDFC Bank Regalia First Credit Card, customers generally get a credit limit of Rs. 1 lakh or higher. However, the credit limit you get with this card depends on your past payment behavior and your credit score. Some people get higher credit limits than others. But what you need to do is use your credit card wisely and make timely payments so your card issuer can offer you a higher limit. If you are not satisfied with the credit limit you have with the Regalia First Credit Card, you can request a credit limit increase by contacting customer care or by visiting the branch.

HDFC Bank Customer Care

The following are a few basic details that you can use to contact the HDFC Regalia First Credit Card customer care:

• In order to get any assistance related to your credit card, you can contact customer care via call at their 24*7 helping number, which is 1800 266 4332.
• If you prefer writing emails over calling, you can write and send your queries/complaints to customerservices.cards@hdfcbank.com.

Cards Similar To HDFC Regalia First Credit Card

The following are some cards that are very comparable to the Regalia First Credit Card issued by HDFC Bank. If you think Regalia First is not exactly what you are looking for, you can check the features of the other cards mentioned below in the table:

HDFC Regalia First Credit Card Review

HDFC Bank Regalia First Credit Card keeps up to its promise by providing lifestyle privileges like dining offers and Reward Points for various spends to name a few. Besides the above-said privileges, it also offers other benefits like fuel surcharge waiver, insurance covers, cashback, etc.

The 12,500 bonus reward points 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 travelling around the globe and wants added privileges to make the journey luxurious can consider this credit card.