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

    The HDFC Bank Regalia First Credit Card is perfectly curated for all kinds of customers to suit their preferences. The card comes with an annual fee of Rs.1,000 along with an interest rate of 3.49% per month. The Regalia First Credit Card offers a wide range of benefits and features in categories such as travel, food and fuel.
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  • We found 1 HDFC Regalia First Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    PA PL OTP
    Reduced to 0 If new current/savings account opened 1000
    100% PAPERLESS APPROVAL
    What you'll love
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    Fee Details

    Key Highlights of Regalia First Credit Card

    • A travel credit card with exclusive dining benefits.
    • Welcome benefits with reward points on joining and renewal.
    • Annual spending benefits in terms of reward points.
    • Renewal fee waiver.
    • Free airport lounge access at both local and international destinations.

    Features and Benefits

    Welcome Benefits:

    • You can earn 1,000 reward points as a welcome benefit and 1,000 points as renewal benefit once the fee is paid.

    Annual spending benefits:

    • Spend Rs.3 lakh or more in a year and earn 5,000 reward points. Earn 7,500 reward points by spending Rs.6 lakh in a year.

    Travel Benefits

    • Avail complimentary membership to Priority Pass Program which provides preferential access to more than 1,000 airport lounges across the globe.
    • Enjoy 3 free visits to priority pass lounges outside India in a calendar year. You need to apply for priority pass membership after completing at least 4 transactions in the last 60 days.
    • Avail comprehensive insurance coverage against several risks. A compensation of Rs.50 lakh will be provided to your nominated kin in the event of an air accident.

    For lounge visits within India, cardholders can utilise the Visa/MasterCard Lounge Access Program offered on the card. The program provides 8 free lounge visits in a calendar year to the primary cardholder.

    Insurance Benefits

    • In case, there is a medical emergency in a foreign country, you can avail Rs.10 lakh as medical emergency protection cost. In addition to it, the card offers credit liability cover of up to Rs.5 lakh.

    Annual fee waiver:

    • Spend Rs.1 lakh in first 12 months and become eligible for the renewal fee waiver for the next membership year.

    Dining Benefits:

    • Under HDFC Bank's ‘Good Food Trail’ program, you can enjoy exclusive dining privileges that provide up to 40% discount on dining bills spent at partner restaurants in your city.

    Fuel Benefits:

    • Avail 1% surcharge waiver on all fuel transactions with a minimum transaction value of Rs.400 to maximum Rs.5,000.

    Reward Points Benefits on HDFC Regalia First Credit Card

    • Earn 4 reward points for every Rs.150 spent on retail transactions.
    • The accrued reward points can be redeemed for air tickets or hotel bookings made through www.hdfcbankregalia.com.
    • Get 5,000 Reward Points on annual spends of Rs.3,00,000 or more in each anniversary year.
    • Earn additional 2,500 Reward Points on annual spends of Rs.6,00,000 or more in each anniversary year.

    How to Redeem Reward Points on Regalia First Credit Card?

    HDFC Regalia First Credit Card provides two options to redeem the reward points.

    • Redeem reward points for flight and hotel bookings
    • Redeem rewards points for gifts on rewards catalogue.

    How to Redeem Reward Points for Flight and Hotel Bookings?

    Reward points earned on HDFC Regalia First Credit Card can be redeemed instantly for air ticket booking and hotel bookings on Regalia website. Each reward point can be exchanged for 30 paise. Follow the steps mentioned below to redeem Regalia reward points.

    • Visit hdfcbankregalia.myrewardz.com
    • Search for a flight or hotel on a select date.
    • Fill the other details and Select Regalia First Card
    • Make your booking with your reward points and pay the remaining, if any, with your card.

    How to Redeem Reward Points for Gifts?

    Rewards points accrued on your Regalia First Credit Card can also be redeemed for exciting gifts available on HDFC's exclusive rewards catalogue. Below are the steps to redeem reward points online using HDFC net banking account.

    • Login to your HDFC credit card net banking account.
    • Select 'Redeem Reward Points' option.
    • Select your credit card and click on 'Continue'
    • Go to 'Online Redemption > Redeem Reward Points'
    • Select points range and item category to find the gifts
    • Now select the product and add it to the cart
    • Click on 'Redeem' to confirm the redemption.

    Upon successful redemption, the selected gift will be delivered to your registered mailing address. Make a note of the 'Redemption Order Number' to track the delivery.

    Alternatively, you can also redeem your reward points through the post.

    Credit Card Limit on Regalia First Credit Card

    The credit limit on HDFC Regalia First Credit Card might vary for each applicant. Hence, the bank will determine the credit limit, as well as cash limit on the card, separately for each applicant and the same will be communicated at the time of card delivery. The credit limit will be based on the credit score of the primary applicant, the credit report along with the repayment habit of past and ongoing debts.

    Fees and Charges for HDFC Regalia First Credit Card

    Type of fees or charges Amount (Rs.)
    Joining fee Rs.1,000
    Annual fee Rs.1,000
    Interest rate 3.49% per month
    Cash withdrawal fee 2.5% of the withdrawn amount subject to a minimum of or Rs.500
    Rewards redemption fee Rs.99 for every redemption request
    Fee for additional card NIL
    Over limit charges 2.5% of the over limit amount subject to a minimum amount of Rs.500.
    Payment return charges 2% of the payment amount subject to a minimum amount of Rs.450.
    Cash processing fee Rs.100
    Card re-issuance charges Rs.100
    Processing charge for cheque (outstation) Rs.25 for cheque value of Rs.5,000. Rs.50 for cheque value above Rs.5,000
    Foreign currency transaction fee 2%

    Eligibility to apply for HDFC Regalia First Credit Card

    The primary eligibility criteria for the card requires the primary applicant to be an Indian citizen and above the age of 21 years.

    Documents Required to Apply for HDFC Regalia First Card

    Listed below are the basic documents required to process any credit card application.

    • KYC documents
    • PAN card
    • Income proof such as salary slip or income tax returns
    • Bank statements and others.

    The bank may ask you for additional documents based on your profile.

    How to Apply for HDFC Regalia First Credit Card Online?

    You can choose to apply for the Regalia First credit card offered by HDFC Bank in different ways.

    To apply online, you can visit the HDFC website and follow the instructions mentioned below:

    • Visit www.hdfcbank.com/personal/credit_card/regalia-first page
    • Click on the 'Apply Online' button
    • You will be redirected to an online web form, where you need to fill the mandatory details and click on 'Submit'

    Once HDFC receives your application, they will contact you through a phone call or SMS on your registered mobile number. If you're eligible to apply for the card, the application process will be informed to you over the call and you can follow the same to apply for Regalia First Credit Card.

    Apply on BankBazaar

    Alternatively, you can also apply through BankBazaar and enjoy the exclusive partner offers.

    Steps to apply for Regalia First Credit Card on BankBazaar:

    • Click on the 'Check Eligibility' button to know your eligibility before applying.
    • If you're eligible, find the option to apply for the card.
    • Click on 'Apply Now', fill the online application form, upload the documents and press 'Submit'.

    You will receive an acknowledgement message with the application ID. Retain the ID and use it to track your credit card application status in the later stage.

    FAQs related to HDFC Regalia First Credit Card

    1. What are the benefits of Regalia First Credit Card by HDFC Bank?

      Regalia First Credit Card provides exclusive travel and dining benefits. Travel benefits include free airport lounge access at domestic and international airports. Along with this, the card also provides a free insurance cover. The dining benefits include a discount of up to 40% on the dining bill at partner restaurants of HDFC Bank.

    2. Does the HDFC Regalia First credit card offer free lounge access under the MasterCard program, or is it only available under Visa?

      The Regalia First Credit Card comes in both Visa and MasterCard variants. No matter which variant you possess, you would get 8 complimentary lounge visits per calendar year under the Visa/MasterCard Credit Card Lounge program. However, there would be a slight difference in the list of lounges covered under VISA lounge program and MasterCard lounge program. You can find the list on the HDFC Regalia First Credit Card page.

    3. What is the annual charge of Regalia First credit card?

      The annual fee or the renewal fee of the Regalia First Credit Card is Rs.1,000. But if you spend Rs.1 lakh in a year, the fee for that year would be waived. Thus, you can enjoy a life-time free credit card by spending a minimum of Rs.1 lakh every year.

    4. How can I update or change the address of my HDFC credit card?

      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 using your netbanking account.

    5. How can I know about the credit card application status?

      You can check the status of your credit card application on the bank website. Go to www.hdfcbank.com/personal/credit_card/cc_track and enter either the application reference number (16 digits) or application form number or date of birth and your registered mobile phone number and click on 'Submit'.

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    Customer Reviews

    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      From HDFC Bank, i am using regalia credit card more than 12 years i think. This bank gives free card and they given a good credit limit. I am using this card for shopping, flight booking and i am getting priority pass mostly i use this for domestic purpose.
      Was this review helpful? 0
      , lucknow
      Reviewed on Mar 09, 2020
    • HDFC Bank
      HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      From HDFC Bank, i am using Regalia credit card more than 2 years. If i shop at Rs. 1L per year this is a life time free card, customer service was pretty good. Mostly i use this card for buying mobile phone, EMI options is available and i am paying through EMi.
      Was this review helpful? 1
      , meerut
      Reviewed on Mar 04, 2020
    • HDFC Bank Credit Card
      "Good"
      0.5 1.0/5 "Really Bad"
      I am using HDFC regalia credit card for past 3 years. I have a credit limit of Rs.3,00,000 which is sufficient. Emi conversion options are available. I will get notification on time regarding the payment and transaction. HDFC customer service was superb.
      Was this review helpful? 1
      , jaipur
      Reviewed on Dec 29, 2019
    • HDFC Bank Credit Card
      "Average Service"
      0.5 4.0/5 "Great!"
      I have HDFC Bank credit card which was taken through Bank .I am using this credit card for the past 3 to 4 years ,This was a free card it was a regalia first card .This card is very useful and good to use and there was no difficulties faced on using this card so far.The service was quite average according to me.
      Was this review helpful? 3
      , pali
      Reviewed on Nov 21, 2019
    • HDFC Bank Credit Card
      "HDFC is better choice as compared others"
      0.5 4.0/5 "Great!"
      I am having a regalia first credit card from HDFC and the main benefit of the card is its a life time free card. I'm getting rewards points and cashback during dining, fuel and every where. I am getting a benefit of buy1+get1 in bookmyshow website. Yearly i get 2 domestic airport launch access. Its a very good card to use.
      Was this review helpful? 5
      , new delhi
      Reviewed on Nov 13, 2019
    • HDFC Bank Credit Card
      "Easy card for normal traveler"
      0.5 4.0/5 "Great!"
      Its a Regalia First credit card which I'm having with HDFC and i get some cashbacks and priority pass on airport. I got the limit of Rs. 1.50 lakhs. I have got the airport launch access of facility of 12 times in domestic airport and 3 times in International airport.
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 10, 2019
    • HDFC Bank Credit Card
      "Easy card for normal traveler"
      0.5 4.0/5 "Great!"
      Its a Regalia First credit card which I'm having with HDFC and i get some cashbacks and priority pass on airport. I got the limit of Rs. 1.50 lakhs. I have got the airport launch access of facility of 12 times in domestic airport and 3 times in International airport.
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 10, 2019
    • HDFC Bank Credit Card
      "Good Card for travel benefits"
      0.5 4.0/5 "Great!"
      I am using the Regalia First credit card for almost 2 years. Basically i have a travel benefits on this card and i get a free airport launch access facility like twice in a year. There are various cashback offers are available including the apple products. They have increased my credit limit as well.
      Was this review helpful? 1
      , noida
      Reviewed on Oct 29, 2019
    • HDFC Bank Credit Card
      "Best card for the best customers"
      0.5 5.0/5 "Blown Away!"
      The limit is 1.5 lakhs in HDFC and they are providing festive treat for the first 3 months. There is a offer in most of the shops both in offline and online. There are more benefits in HDFC credit card as well debit card. For the fuel purchase, there will be a waiver. Still they have not yet increased my credit limit since i use the card for 1.5 years.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 23, 2019
    • HDFC Bank Credit Card
      "Good to hold"
      0.5 4.0/5 "Great!"
      I am using HDFC regalia first credit card for last two years, its a free credit card. They are providing airport lounge facility and some time I used to get travel discounts as well. I would recommend this card because their customer support is also prompt interms of resolving the queries.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 15, 2019
    • HDFC Bank Credit Card
      "Excellent credit card"
      0.5 5.0/5 "Blown Away!"
      This is a regalia first credit card which I'm using with HDFC and i get a lots of benefits and the limit and facility what they have given against the credit card is really good. This is my longest credit card which I'm using. I get a sur charges waiver off for petrol and for online merchants i get a cashback offers and benefits are more compared to other banks.
      Was this review helpful? 0
      , kanpur
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I applied for HDFC REGALIA FIRST CREDIT CARD through Bankbazaar. I had received the card on time. Credit limit is not sufficient, I was expecting more. Their customer service is ok. It is not a lifetime free card. The features of the card is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 22, 2019
    • HDFC Bank Credit Card
      "One card for all the lifestyle requirements"
      0.5 4.5/5 "Excellent!"
      I get offers on travel, airport launch access, restaurants and hotel booking because i use the HDFC regalia first credit card. I get a lots of discounts on online shopping. Its been 2 months since i use the card. They have offered me a credit limit of Rs. 1.5 lakhs. Its easy to make a bill payment.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      HDFC has provided me Master Regalia First credit card and am using the credit card for last 4 months. I am happy with the credit limit. They have informed me, its a life time free credit card. I have not received any reward points and there was no special benefits. I made the payment through online.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 11, 2019
    • HDFC Bank Credit Card
      "Provided a good limit for more transaction customer"
      0.5 5.0/5 "Blown Away!"
      I get better reward points from HDFC BANK and also the currency conversion rate is very low, I have converted from rupees to Euro. I am using the Regalia First credit card for approx 4.5 years. There is no annual fee for me. I got a good credit limit.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 31, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the HDFC REGALIA FIRST CREDIT CARD for more than four years and i am satisfied with the services provided by them. I am satisfied with the credit limit with this card and it has some added benefits like 10% cash back on e-commerce portals. There is also some annual charges with this card.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 16, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have not used HDFC card often but I think, the processing of getting the credit card is much easier than others, got it in a week time. I got a HDFC REGALIA FIRST and its a life time free credit card. The credit limit is sufficient and the payment mode is easy.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 15, 2019
    • HDFC Bank Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I don't like HDFC credit card because offers are not good. I have applied for HDFC REGALIA FIRST CREDIT CARD and received the same but am not satisfied. The credit limit is fine. I have used the card for a month and have not found any additional benefits. There is no annual charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 09, 2019
    • HDFC Bank Credit Card
      "Need to increase the limit"
      0.5 5.0/5 "Blown Away!"
      I hold HDFC Regalia first credit card and its been almost 7 to 8 years. There is Reward points, previously I was using Titanium card and it has an option for redeeming the points into cash but in this card it can be converted only as vouchers. Its a life time free credit card. They approached me for a credit limit, I was not interested that time and later I like to enhance have been reaching them but could not make it. I believe its 2L.
      Was this review helpful? 0
      , chennai
      Reviewed on May 02, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for HDFC Bank Credit card through Online ,This card is useful for Travelling purpose lounge access reward points for air travel ,This credit card for first year it is free and from 2ndyear onwards it is chargeable .The credit limit was good ,cc on time without any details ,agent gave all details when i tried to generate the pin unable to get and then called customer care and got the pin .While submitting documents no issues ,submitted the documents to bank agent.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 02, 2019
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