Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 1 HDFC Regalia First Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    1000
    Response Time : Within 30 minutes
    Rs.750 Amazon voucher free Paperless approval available
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    HDFC Regalia First Credit Card is Rated as "Excellent!" by 15 Users

    Fees & Charges

    Promised Interest Rate

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    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 HDFC 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.
    • Avail 0% surcharge on fuel purchases.

    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 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 with. A compensation of Rs 30 lakhs will be given to your nominated kin in th 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

    TypesCharges
    Interest free period50 days
    Minimum amount to be repaid5% of the outstanding balance or Rs 200, whichever is higher
    Limit on Cash Advance40% of the total credit limit
    Renewal / Annual FeeRs 1,000 / Rs 1,000
    Condition for annual fee waiverMembership 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 cardUp to 3 additional cards are free for a lifetime
    Revolving credit charges2.95% every month (Annual – 35.4%)
    Charges for cash advanceRs 300 or 2.5% of the withdrawn amount, whichever is more
    Overlimit account charges2.5% of the overlimit amount. This fee is subject to a minimum amount of Rs 500.
    Payment return charges2% of the payment amount. This fee is subject to a minimum amount of Rs 400.
    Fee for cash processingRs 100
    Fee for Rewards redemptionRs 75 for every redemption request
    Processing charges for balance transferRs 250 or 2% of the balance transfer amount, whichever is more
    Fee for purchase of Railway ticketsRs 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 cardRs 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 transactions2%
    Krishi Kalyan Cess, Swachh Bharat Cess and Service TaxThis 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?

      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 about the transaction with merchant.

    Credit Card Reviews

    • HDFC Bank Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      As I had my salaried account first with HDFC bank and still maintaining the account as my savings account for 15 years they offered me a credit card and I accepted and took it from them. Annual charges is free for first 2 years then they charged me Rs. 500 for annual charges. Limit enhancement is not up to the mark. Used the card between 10 to 11 years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      As I'm a HDFC bank's savings account holder for more than 15 years they offered me a credit card which I accepted and took it from them. I'm using this HDFC bank Regalia credit card around 10 years. This is also a very good card to use. There is no annual fees for this credit card also like ICICI bank's credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Userfriendly Credit card"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card is userfriendly one, I could convert the purchase value into an emi without any hassles with lower interest . There is some annual fee for the card aroun Rs. 500, my credit limit is nominal they offered Rs.50k. Its good to access anywhere.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 4.5/5 "Excellent!"
      I'm a HDFC savings account holder for the past 7 years only but I have been using HDFC bank's credit card for 15 years. I'm using the HDFC Bank Diners Premium credit card in which I'm not able to view the credit card's statement. Raised complaints to resolve it no one could solve it and I have even contacted my personal banker who also can't solve it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Features should be improved"
      0.5 1.0/5 "Really Bad"
      I am not satisfied with the offer of HDFC, service is also unhappy. They give surprise on charges, even the fee is very high for the late payment and monthly interest rate. But still I hold this card because its a master card accessible all over in India.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Deals are good"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and the credit limit is good and when ever I use the card, I earn points and the points are redeemable as well. The transactions are clear online and I can also make my payments without any issues. The limit is also fine.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Better banking"
      0.5 4.0/5 "Great!"
      I have taken a credit card with Hdfc bank.The limit on the card is 1.50 laklhs ,am not satisfied with the limit as i expected more than that,i have been using the card for more than 10 years they have upgraded my card still overall not satisfied with the service.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Its Convenient Card"
      0.5 4.0/5 "Great!"
      I am holding HDFC Jet privilege platinum credit card, I do get reward points, I could convert the points into airbooks, I do see they have free flight journey. So far I got life style offers by reward points, even the credit limit is good. I am using their service for past five years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC bank from last 2 years, they provide very good service on credit card when compared to all other credit cards. It is a money back card. I did not find any offers on this credit card till date. They charged one time processing fee for this credit card. I use this credit card mainly for shopping and i am fine with the credit limit.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      I hold the HDFC bank platinum times credit card for more than 3 years. The customer support is good with the HDFC bank credit card department. I would say I am satisfied with the credit limit. I use this card for shopping , provisions , ticket purchase, Electricity bills, for fuel and for other usages.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      My experience with HDFC credit card was good, they provide good services on credit card when compared to all other credit cards. I hold this credit card from last 2 years. This is a zero annual fee credit card. I get good offfers like cash back and reward points. I use this credit card for my personal use and the credit limit is sufficient.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I hold a credit card with HDFC Bank and the offers on the card is perfect. The billing cycle is also very comfortable. There are no hidden charges and the statements are sent on time. The limit is also satisfactory and there are no issues with the bank till date.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      HDFC is best in credit card experience, since two years I have been using their service. I am getting reward points and cash back on e commerce site, they are increasing the credit limit on yearly basis, I am using it around five years, its a friendly card to recommend.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Satisfied"
      0.5 4.0/5 "Great!"
      I have a credit card with HDFC bank where i have a limit 50K on the card. I would prefer a better limit from them. I would say that they need to improve on the support they give the customers and an easy access of converting the payments on an EMI basis.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC bank and it has been a hassle free experience with them. I get good usage from the card. I have not used the offers on the card till now but i have had no issues while using the card. I have also received good service and response from them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the HDFC bank jet privilege credit card. I use this card for the fuel purpose. The customer support is good with the credit card department. I am satisfied with the credit limit. The rate of interest and the charges are nominal with Credit card from HDFC bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      It is a wonderful experience with HDFC Bank for the credit card. The customer services are good and they provide me with the best of offers. The PayZapp payment options is excellent as it works fast and it is a smooth process. The billing cycle is convenient too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have a credit card with HDFC bank that i have been using for some time now. I have a very good limit on this card that is convenient for me. I have not had any major or bad issues with them so far and it has been okay. I get good maximum usage from the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC bank from last 2 years and it is a life time free credit card. The services provided by HDFC credit card is good when compared to other credit cards. I get good offers like reward points. I use this credit card for shopping and dining. The credit limit of Rs 35000 is less in HDFC credit card.
      Was this review helpful? 0
      , rourkela
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      HDFC provides me with good offers for my credit service compare to others in the market and the limit they offered me was very good I never get any issue with the service of HDFC but I never contacted their customer service it was a awesome experience with HDFC for my credit card service.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 17, 2017
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