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  • HDFC Regalia First Credit Card

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    HDFC Regalia First Credit Card

    HDFC is one of the top banks across the globe that offers great financial services and products. They are designed to meet the needs and requirements of the customers. The Regalia First card offered by HDFC bank is a unique credit that allows you to enjoy great privileges and benefits.

    Benefits of Regalia First Credit Card:

    The Regalia credit card comes with a myriad of benefits. These are as follows:

    • Enjoy great opportunities for saving your hard earned money. With the HDFC Regalia First card, you can choose to save up to Rs 50,000.
    • With the Regalia First card, you can enjoy dining privileges at more than 300 top class restaurants. These restaurants can be a part of leading chains of hotels like Marriott, Vivanta by Taj, Hyatt, The Leela, The Lalit, The Gateway, etc. Avail great savings and complimentary delights every time you use your Regalia credit card for dining.
    • On all the foreign currency spends, you can enjoy the lowest markup of 2%.
    • Avail 0% surcharge when you purchase fuel. However, the minimum transaction to avail 0% fuel surcharge must be Rs 400.
    • On every statement cycle, you can enjoy maximum cashback of Rs 500.
    • Manage all your payments at ease and avail interest free credit for a period of 50 days. You may choose to make a payment for the minimum due only. The remaining amount will be taken forward to the next month’s cycle. The interest rate is as low as 2.95% per month.
    • The Rewards Points that you earn using this particular credit card can be redeemed for booking airline tickets, hotel bookings, movie ticket purchases and mobile or DTH recharge. When redeemed on the website of HDFC bank, each point will be worth 40 paisa.

    Features of Regalia First Credit Card:

    The features of the Regalia First card are as follows:

    • Avail complimentary access to more than 850 airport lounges across the globe. At these airport lounges, you can enjoy different facilities including, faxes, phones, internet and conference rooms. If you are the principal cardholder, you will be getting four free accesses each year to the priority pass airport lounges. Using your Regalia First credit card, your guests can also use the facilities at the airport lounges. However, for them a fee of $27 per visit per person will be charged. The usage charges for the lounges may differ from one lounge to another.
    • For every Rs 150 that you spend using this credit card, you can earn 4 Rewards Points. For any booking that you do via hdfcbankregalia.com, you can earn 2X Rewards Points (8 points). You may also earn 2X Rewards Points when you spend at stand-alone restaurants on dining. Earn Rewards Points for all your entertainment and travel booking done through hdfcbankregalia.com. The Rewards Points can be redeemed for various gifts that you may choose from the catalogue provided by HDFC bank.
    • The Rewards Points that you earn can be converted to air miles. These air miles can be used for both international flights and domestic flights.
    • Avail comprehensive insurance coverage against several risks that you might encounter. A compensation of Rs 50 lakh will be given to your nominated kin in the event of an air accident. In case there is a medical emergency situation when you are in a foreign country, avail Rs 10 lakh as medical emergency protection cost. The claim documents must be sent to HDFC Ergo General Insurance Company situated in Noida.

    Eligibility Calculator:

    The Eligibility Calculator is a user friendly tool that helps you to understand if you are eligible for the credit card or not. Enter the specific details in the table like date of birth, type of residence, gender, employment type, etc. and press the button that says ‘ Calculate my Eligibility’.

    How to apply?

    You can choose to apply for the Regalia First credit card offered by HDFC Bank is different ways. These are as follows:

    • You can apply online by filling the form available on the official website of the bank.
    • Walk into a nearby branch and speak with a representative of the bank to apply.
    • Call up on the hotline number of HDFC bank to speak with a phone banker and know more about the application process.

    Fees and Charges

    Types Charges
    Interest free period 50 days
    Minimum amount to be repaid 5% of the outstanding balance or Rs 200, whichever is higher
    Limit on Cash Advance 40% of the total credit limit
    Renewal / Annual Fee Rs 1,000 / Rs 1,000
    Condition for annual fee waiver Membership fee for the first year is waived off when you spend a minimum amount of Rs 15,000 within a period of 90 days from the set up date of the card. When you spend Rs 1 lakh in one year, the membership fee for the next year will be waived off.
    Fee for additional card Up to 3 additional cards are free for a lifetime
    Revolving credit charges 2.95% every month (Annual – 35.4%)
    Charges for cash advance Rs 300 or 2.5% of the withdrawn amount, whichever is higher
    Overlimit account charges 2.5% of the overlimit amount. This fee is subject to a minimum amount of Rs 500.
    Payment return charges 2% of the payment amount. This fee is subject to a minimum amount of Rs 400
    Fee for cash processing Rs 100
    Fee for Rewards redemption Rs 75 for every redemption request
    Processing charges for balance transfer Rs 250 or 2% of the balance transfer amount, whichever is higher
    Fee for purchase of Railway tickets Rs 30 added with 2.5% of the total transaction amount. This is applicable if you are carrying out the transaction via HDFC payment gateway. On any other gateway, you will have to pay the fee as per the IRCTC rules
    Stolen / Damaged / Lost card Rs 100
    Processing charge for Cheque (outstation) Rs 25 for Cheque value of Rs 5,000. If the Cheque value is above Rs 5,000 then the fee is Rs 30
    Foreign currency transactions 2%
    GST This is applicable on all interest, fees and other charges

    Frequently Asked Questions:

    1. How can I update or change my address on my credit card?

      You need to send an email to the bank for changing or updating your address on the Regalia First credit card. You may also choose to change or update it online on the portal of the bank.

    2. How can I know about the credit card status?

      You can check the status of your credit card online on the website of the bank. You will have to enter the application reference number (16 digits) and your date of birth or mobile phone number.

    3. If I do not want statements to be sent at the mailing address, how do I stop it?

      In order to do this, you will have to download and fill up MID from the form center of HDFC Bank. Sign it and send it to the correspondence address of the bank.

    4. When should I fill up the progressive dispute form?

      After the CDF (Cardholder Dispute Form) form submission, the bank informs the merchant involved in the disputed transaction. The documents required to substantiate the transaction is produced by the merchant. After inspection, if you are still not satisfied as a customer, you may choose to fill up and submit the form.

    5. In order to report a transaction dispute, why should I fill up the CDF?

      The CDF (Cardholder Dispute Form) must be filled by you as per the guidelines set by MasterCard and Visa. It authorizes the bank to investigate the transaction with merchant.

    *GST rate of 18% applicable for all financial services effective July 1, 2017

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