Welcome gift: You can earn 1,000 reward points as welcome benefit and 1,000 points as renewal benefit once the applicable 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.
Complimentary lounge access: 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.
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.
Travel insurance: 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.
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 renewal fee waiver for the next membership year.
Exclusive dining offers: Under HDFC Bank's - Good Food Trial programme, you can enjoy exclusive dining privileges that provide up to 40% discount on dining bills spent at partner restaurants in your city.
Visit HDFC's 'Good Food Trial' page, select your cuisine, city, and offer type to find the list of partner restaurants in your city. You will also find related discounts and offers on the same page.
Low foreign currency mark-up fee: On all the foreign currency spends using the card, you can enjoy the lowest mark-up fee of 2%.
Fuel surcharge waiver: Avail 1% surcharge waiver on all fuel transactions with a minimum transaction value of Rs.400 to maximum Rs.5,000.
HDFC Regalia First Credit Card provides two options to redeem the reward points.
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.
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.
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.
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.
Once the card is issued, you can find the total credit limit, available credit limit and the cash limit on the card in your monthly credit card statement or in your HDFC credit card net banking account.
Also, the bank reviews the cardholder's account periodically and based on the card usage and other criteria can decide to either decrease or increase the credit limit on the card. Any change in the credit limit would be communicated to the cardholder by SMS or e-mail.
You can also apply for credit limit enhancement on your Regalia First Credit Card by sending a written request to the bank along with the latest income documents.
However, credit limit increase requests would be entertained only after using the card for a certain period as stipulated by the bank. The final decision to approve the request for credit limit enhancement is completely at the bank's discretion.
Travel offer - Get up to Rs.1,000 instant discount on flights and hotel bookings made on Goibibo. Use promo code 'GOHDFC' to avail the offer before it expires on 30 June 2019.
Shopping offer - Up to 10% cashback on select iPhones purchased with HDFC credit card EASY EMI facility. Cashback applicable on 12 and 24-month tenures only. Offer valid till 30 June 2019.
Dining offer - Get Rs.100 off or 20% off on your first Swiggy order. Use coupon code 'SWMASTER100' to avail the benefit before 30 April 2019.
Grocery offer - Avail Rs.250 instant discount on a minimum order of Rs.1,500 on Grofers.com Use promo code 'HDFC250' to avail the offer before 30 June 2019. Shop between 1st and 7th of every month to get the discount.
Health & Wellness offer - Get 5% discount on minimum bill amount of Rs.1,500 at Naturals Salon & Spa. Offer valid till 28 February 2020 in select branches at Bengaluru.
|Type of fees or charges||Amount (Rs.)|
|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%|
Listed below are the basic documents required to process any credit card application.
The bank may ask you for additional documents based on your profile.
You can choose to apply for the Regalia First credit card offered by HDFC Bank in different ways.
Apply online: Simply visit HDFC website and follow the below mentioned instructions.
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:
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.
Regalia First Credit Card provides exclusive travel and dining benefits.
The travel benefits provided by the card include free airport lounge access to domestic and international airports.
Free travel insurance cover for air accidents and medical emergency in foreign locations.
The dining benefits offered by the card include up to 40% on dining bills at select restaurants in your city.
Besides that, the card also comes with a renewal fee waiver facility, welcome and milestone rewards, etc.
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.
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 minimum Rs.1 lakh every year.
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 net banking account.
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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