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Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Travel Benefits
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
Annual fee waiver:
Dining Benefits:
Fuel Benefits:
Know about HDFC Credit Card Reward Points
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 HDFC credit 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.
| Type of fee or charges | Amount (Rs.) |
|---|---|
| Joining fee | Rs.1,000 |
| Renewal fee | Rs.1,000 |
| Minimum repayment amount | 5% or a maximum of Rs.200 |
| Cash withdrawal fee | 2.5% of the withdrawn amount (Minimum Rs.500) |
| Cash advance limit | 40% of the credit limit |
| Rewards redemption fee | NIL |
| Add-on cards charges | NIL |
| Foreign currency mark-up fee | 2% |
| Late payment charges |
|
| Over limit charges | 2.5% of the over the limit amount (Min. of Rs.550) |
| Cash processing fee | Rs.100 per transaction |
| Payment return charges | 2% of the payment amount (Minimum of Rs.450) |
| Card re-issuance charges | Rs.100 per instance |
| Duplicate statement | Rs.10 |
The primary eligibility criteria for the card requires the primary applicant to be an Indian citizen and above the age of 21 years.
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.
To apply online, you can visit the HDFC website and follow the instructions mentioned below:
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.
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.
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 a minimum of 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 netbanking 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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