MyFinCards
Regalia First Credit Card

Joining Fee

₹1,000

Annual Fee

Rs. 1000 (Reversed on annual spends of Rs. 1 Lakhs)

Forex Markup

2% + GST

INTERNATIONAL
HDFC Bank
Rewards
Lifestyle
Travel
Best For: Frequent diners, Moderate spenders seeking reward points, Those wanting travel insurance benefits, Utility bill payers

Regalia First Credit Card

Rewards Structure

Base Reward Rate

3% on spends

Point Value

1 Point = ₹0.3

Earning Cap

₹25,000 /monthly

Pros

  • Low foreign currency markup of 2%
  • Bonus reward points on milestone spends
  • Comprehensive insurance protection including air accident and overseas hospitalization
  • Dining savings up to 20% via Swiggy Dineout
  • Renewal fee waiver on ₹1 lakh annual spend
  • Fuel surcharge waiver at all fuel stations

Cons

  • New applications currently unavailable
  • Airport lounge access discontinued from December 1, 2023
  • 5% CashBack on utility/tax payments only in first year
  • Reward points capped at 25,000 per statement cycle
  • No reward points on wallet, EMI, and petrol spends (effective September 1, 2024)

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Rent payment and education transactions do not earn reward points (from January 1, 2023)

Grocery reward points capped at 2,000 per month

Travel reward points redemption capped at 50,000 points per month

Flights and hotel redemptions on SmartBuy capped at 70% of booking value via reward points

Fuel surcharge waiver capped at ₹500 per statement cycle

Key Benefits & Features

50 days interest-free credit period.

Pre-approved loans and cash withdrawal facility available.

Eligibility Criteria

Min. Annual Income

₹3.0 Lakhs

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

INCOME Proof

Salary Slips
Form 16

Notable Exclusions

No reward points on wallet transactions.No reward points on EMI transactions.No reward points on petrol/fuel transactions.No reward points on rent payment transactions.No reward points on education-related transactions.Grocery reward points capped at 2,000 per month.

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Regalia First Credit Card

The HDFC Bank Regalia First Credit Card is a rewards and lifestyle-focused card designed for individuals who want to earn meaningful benefits on everyday spending. Cardholders earn 3 Reward Points for every ₹150 spent on retail purchases, with bonus points awarded for higher annual spends — 7,500 bonus points on ₹6 lakh in annual spends and an additional 5,000 bonus points on ₹9 lakh spent within an anniversary year. Reward Points can be redeemed for flight and hotel bookings via SmartBuy, exciting gifts from an exclusive rewards catalogue, or converted into AirMiles with leading domestic and international airlines. Beyond rewards, the card delivers strong lifestyle value through exclusive dining privileges, including up to 20% savings at 20,000+ restaurants via Swiggy Dineout, and a 1% fuel surcharge waiver across fuel stations in India. Utility bill payments through HDFC Bank's SmartPay service offer assured cashback and e-vouchers, making everyday expenses more rewarding. The card also includes comprehensive protection benefits such as accidental air death cover worth ₹50 lakh, emergency overseas hospitalization coverage up to ₹10 lakh, and lost card liability cover of up to ₹5 lakh. With a joining and annual fee of ₹1,000, the renewal fee is waived upon spending ₹1 lakh or more in a year, adding excellent long-term value for moderate to frequent spenders.

Expert Review

Our Verdict

Feature-rich rewards card with bonus points, dining benefits & insurance; new applications currently unavailable.

Frequently Asked QuestionsAbout Regalia First Credit Card

OTHERWhat is the Regalia First Credit Card?
The Regalia First Credit Card is a Credit Card from HDFC Bank that boasts an array of exceptional features and benefits ranging from CashBack and Reward Points to dining experiences and comprehensive insurance protection, among other things. It falls under the Rewards, Lifestyle, and Travel categories, making it suitable for customers who enjoy earning points on everyday spends while enjoying premium lifestyle privileges.
APPLICATIONCan I apply for a new Regalia First Credit Card?
Currently, new applications for the Regalia First Credit Card are not being accepted. However, existing cardholders will continue to enjoy all its features and benefits. If you are looking for a credit card, you can explore a range of other HDFC Bank Credit Cards that may suit your needs by visiting the HDFC Bank credit cards page.
OTHERWhat is the maximum credit limit on the Regalia First Credit Card?
The maximum credit limit of the Regalia First Credit Card is not fixed and varies for each individual. It depends on factors such as your credit score, credit history, account history with HDFC Bank, and other related financial factors. You can check the documents received with your Regalia First Credit Card or contact HDFC Bank customer care to understand your individual credit limit.
BENEFITSDoes the Regalia First Credit Card offer airport lounge access?
The HDFC Bank Regalia First Credit Card previously offered complimentary airport lounge access as part of its travel benefits. However, this benefit has been discontinued effective December 1, 2023. Existing cardholders no longer receive complimentary lounge access. If lounge access is important to you, consider exploring other HDFC Bank premium credit cards that still offer this feature.
FEESHow can I get the Regalia First Credit Card renewal fee waived?
You can get the annual renewal fee of ₹1,000 waived off on the Regalia First Credit Card by spending ₹1 lakh or more in a year before your credit card renewal date. This spend threshold makes the card effectively free for customers who meet the minimum annual spending requirement. The waiver is subject to HDFC Bank's policies and terms and conditions.
FEESWhat are the joining and annual fees for the Regalia First Credit Card?
The Regalia First Credit Card has a joining membership fee of ₹1,000 plus applicable taxes. The membership renewal fee from the second year onwards is also ₹1,000 plus applicable taxes per year. However, the renewal fee can be waived off if you spend ₹1 lakh or more in a year before your credit card renewal date, making it effectively free for high spenders.
REWARDSHow many reward points do I earn on the Regalia First Credit Card?
Effective September 1, 2024, you earn 3 Reward Points on every ₹150 spent on all retail spends, excluding wallet loads, EMI transactions, and petrol spends. Previously, the earn rate was 4 Reward Points per ₹150 spent. Additionally, you earn bonus Reward Points of 7,500 on spending ₹6 lakh and an additional 5,000 Reward Points on spending ₹9 lakh in an anniversary year. The maximum reward points that can be earned per statement cycle is capped at 25,000.
REWARDSHow can I redeem my Reward Points on the Regalia First Credit Card?
You can redeem your Regalia First Credit Card Reward Points in multiple ways: for flight and hotel bookings on SmartBuy (up to 70% of booking value), for exciting gifts from an exclusive rewards catalogue, or convert them into AirMiles of leading domestic and international airlines. Each Reward Point is valued at ₹0.30 for flights/hotels, 0.3 AirMiles for airline conversion, up to ₹0.25 for products and vouchers, and ₹0.10 for cashback redemption.
BENEFITSWhat dining benefits does the Regalia First Credit Card offer?
The Regalia First Credit Card offers exclusive dining privileges through the Good Food Trail program. You can enjoy up to 20% savings on your restaurant bill payments via Swiggy Dineout, which covers 20,000+ restaurants across India. The offer is inclusive of both restaurant and Swiggy discounts. Please note that the offer is valid only on payments made through the Swiggy App. Refer to the Swiggy Dineout terms and conditions for more details.
INTERNATIONALWhat is the foreign currency markup fee on the Regalia First Credit Card?
The Regalia First Credit Card charges a low foreign currency markup of 2% on all international or foreign currency spends. This is one of the notable advantages of the card, as it is lower than the standard 3.5% markup charged by most credit cards in India. This makes it a cost-effective option for cardholders who travel internationally or make purchases in foreign currencies.
BENEFITSWhat insurance and protection benefits does the Regalia First Credit Card offer?
The Regalia First Credit Card provides comprehensive insurance protection including: an accidental air death cover worth ₹50 lakh, emergency overseas hospitalization cover of up to ₹10 lakh, and a lost card liability cover of up to ₹5 lakh. In case of a lost card, you must immediately report it to HDFC Bank's 24-hour call centre, after which you will have zero liability on any fraudulent transactions made on your card.
BENEFITSIs there a fuel surcharge waiver on the Regalia First Credit Card?
Yes, the Regalia First Credit Card offers a 1% fuel surcharge waiver at all fuel stations across India. This waiver is applicable on transactions with a minimum value of ₹400 and a maximum value of ₹5,000. The maximum cashback from the fuel surcharge waiver is capped at ₹500 per statement cycle. Note that reward points are not earned on petrol spends effective September 1, 2024.
REWARDSWhat is the SmartPay cashback benefit on the Regalia First Credit Card?
SmartPay is HDFC Bank's auto-payment feature for utility bills linked to your Regalia First Credit Card. By registering your card with SmartPay, you can earn up to ₹1,800 cashback in the first year on utility bill payments. Additionally, you can earn e-vouchers worth ₹800 for adding 2 or more bills on SmartPay. A 5% cashback is also available on electricity, telecom, and tax payments (maximum ₹500), but only in the first year.
REWARDSAre there any categories where reward points are not earned on the Regalia First Credit Card?
Yes, effective September 1, 2024, reward points are not earned on wallet loads, EMI transactions, and petrol spends. Additionally, from January 1, 2023, rent payments and education-related transactions also do not earn reward points. Reward points earned on grocery transactions are capped at 2,000 per month. The maximum reward points that can be earned in a statement cycle is capped at 25,000.
USAGEHow can I manage my Regalia First Credit Card on the go?
You can manage your Regalia First Credit Card using MyCards, HDFC Bank's mobile-based service platform. It allows you to activate your card, set up your card PIN, manage card controls like online spends and contactless transactions, view transactions, download e-statements, check and redeem reward points, block or re-issue your card, and apply for add-on cards. MyCards requires no password or downloads and serves as a single interface for Credit Cards, Debit Cards, FASTag, and Consumer Durable Loans.

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