Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  •  Loading your search... Loading your search...
  • HDFC Regalia First Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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

    Credit Card Reviews

    • HDFC Bank Credit Card
      "Satisfactory services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is good in the credit card services. There are a lot of offers. I am happy that I am able to get a loan on card without much of a process. The loan gets credited in no time in my account. The charges are normal and the other deals are also good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 19, 2017
    • HDFC Bank Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      My credit card is with HDFC Bank and the offers I get on the card is good. There has not been any hassles. The deals are useful and I am informed about the same. The credit limit is also good and there are no hassles while I use my card. The transactions are smooth and easy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 19, 2017
    • HDFC Bank Credit Card
      "Convenient to use"
      0.5 4.0/5 "Great!"
      I am using TIMES PLATINUM credit card. HDFC Bank is giving a good response. They do reward points and cash back offers. But there is no encash facilities. The customer service was good. My credit limit is 1.5Lakhs and happy with the credit limit.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 19, 2017
    • HDFC Bank Credit Card
      "Good for all transaction"
      0.5 4.0/5 "Great!"
      HDFC customer service is really good they immediately respond to the credit queries. Interest rate is also quite reasonable for the late payment fee. HDFC is providing good offers, when I make postpaid bills by credit card they give me 10% of discounts and if I book a ticket I used to one + one ticket free.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 19, 2017
    • HDFC Bank Credit Card
      "Customer Friendly and Good Service"
      0.5 5.0/5 "Blown Away!"
      HDFC Platinum plus credit card is a good one, generally they provided lot of offers in E commerce site like amazon, flipkart etc. Based on the HDFC credit they are providing loans with lower interest. I am a corporate customer of HDFC they providing good service as well.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 19, 2017
    • HDFC Bank Credit Card
      "Very good experience"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has also offered me a credit card and the offers on the card is good and there are many of it. I am regularly informed about the deals, about the various discounts and it is very convenient to bank with them. The interest rate and charges is normal.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 19, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      My credit service with HDFC Bank is going good. I am using Regalia credit card for more than a year. The credit limit was satisfactory, they have offered 25Lakhs . I have never been charged because the payments will be on time. The reward points and cash back offers are amazing.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 19, 2017
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The credit card offers at HDFC Bank has been good and the I am happy to bank with them for the same. I am informed on a regular basis about the ongoing deals and the billing cycle is also comfortable to me. The payments can be done online conveniently.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 19, 2017
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC Bank and there are no charges taken for the card. The interest rate is normal and the services are pretty good. The offers on the card is also pleasing as I get discounts and cash back deals. There are features on shopping too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 19, 2017
    • HDFC Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has been good in the credit card offers. There are regular deals and it has been a good experience till date. There has never been issues in the banking and also in the billing. I am more than happy with the credit limit. It is enhanced when needed.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 19, 2017
    • HDFC Bank Credit Card
      "Satisfactory services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and they have given me a lot of benefits on the card. The features are nice. There are proper deals and the limit is also fine and the card is accepted all over. I earn rewards and the points can be redeemed too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 19, 2017
    • HDFC Bank Credit Card
      "Good privilege card for shopping"
      0.5 5.0/5 "Blown Away!"
      HDFC gave me life time free credit with good offers. I have been using this credit card more than three years. In my experience they have increased the credit card, every month I used to get gift coupon worth Rs. 2000 in shoppers stop, Big Bazzar, life style etc.
      Was this review helpful? 0
      , medak
      Reviewed on Oct 19, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The HDFC bank money back credit card is easy to use and I use this card for all kind of purchases and for shopping purposes. The customer support is good with HDFC credit card departments. The credit limit is given based on the salary, so I am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 4.5/5 "Excellent!"
      I have my credit with HDFC bank and I am using it for about 2 years . The credit limit was 3 lakhs. They have offered platinum International card. I get many cash back offers and rewards point but I have not used it. The charges are high in case of late payment and the interest rate is also high comparing to ICICI bank. The customer service and responses is very good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and they are excellent in the banking services. They always provide me with the authentic information and they are fast and very much professional. The card offers are also good and there are no issues at all.
      Was this review helpful? 0
      , guntur
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      My credit card was taken with HDFC bank 10 years back. I hold their platinum card and I get reward points for it . The credit limit was 1 lakh and I am satisfied with It. The customer service and responses was amazing. Here the charges are average and interest rate was also not so high. My overall experience was good so Its recommendable.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good to Hold"
      0.5 4.0/5 "Great!"
      HDFC is giving good offers with life time free credit card option, they are giving good discounts on shopping. But credit card bills are very difficult to understand, they are not updating the credit card transaction, apart from that everything is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Hassle free"
      0.5 4.0/5 "Great!"
      HDFC Bank is also good in the credit card and there has been no issues till date with the bank. The customer support team is very helpful and responsive as well. The limit is also good and the bank always informs me about the offers and deals I am eligible off.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card from last 10 months, The credit card services are excellent in HDFC bank when compared to all other credit cards. I get good offers like cash back and reward points. I use this card for shopping and filling petrol, i am also satisfied with the credit limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Unprofessional"
      0.5 5.0/5 "Blown Away!"
      I am unhappy with the way HDFC Bank treated me. I am holding this HDFC Bank credit card for a period of 2 years . Some time back, I tried to talking with the card services, I was on call for 30 minutes where I was referring to a charge, suddenly their representative interrupted me and told that it cannot be done. I felt it was too unprofessional and unethical.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    Common Loader Icon
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.