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.