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  • HDFC Regalia First Credit Card

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  • Step into the world of luxury with the HDFC Bank Regalia First Credit Card. The joining fee is Rs.1,000 and is waived if you open a current or savings account with the bank within 90 days or if you charge a minimum of Rs.30,000 to your card within the first 90 days of card approval. Post the first year, the annual fee you will have to pay is Rs.1,000. Don’t worry since this fee is waived with a minimum spend of Rs.1 lakh within 12 months or if you open a current or savings account for the same amount. If you are wondering what the interest rate is, well you are charged 3.49% per month, which is 41.88% p.a.
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  • We found 1 HDFC Regalia First Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    Reduced to 0 If new current/savings account opened 1000
    100% PAPERLESS APPROVAL
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    HDFC Regalia First Credit Card

    Key Highlights of Regalia First Credit Card
    • A travel credit card with exclusive dining benefits.
    • Annual spending benefits in terms of reward points.
    • Renewal fee waiver.
    • Free airport lounge access at both local and international destinations.
    Travel Benefits Offered by Regalia First Credit Card
    • Free Priority Pass membership.
    • Complimentary access to domestic and international and international lounges.
    • Free travel insurance that covers air accidents and emergency hospitalisation in foreign locations.

    Features and Benefits

    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.

    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. (1 RP = Rs.0.30).
    • You can also redeem the points for attractive gifts listed in the bank's exclusive rewards catalogue.
    • Also, convert reward points into air miles of domestic and international airlines.

    How To Redeem Reward Points On Regalia First Credit Card?

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

    1. Redeem reward points for flight and hotel bookings
    2. 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.

    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.

    Latest Credit Card Offers on HDFC Regalia First Credit Card

    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.

    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

    For salaried

    • Age should be between 21 to 60 years
    • Minimum gross monthly income - Rs.40,000

    For self-employed

    • Age should be between 21 to 65 years
    • Minimum annual income - Income tax return of Rs.5 lakh

    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.

    Apply online: Simply visit HDFC website and follow the below mentioned instructions.

    • 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?
    2. 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.

    3. Does the HDFC Regalia First credit card offer free lounge access under the MasterCard program, or is it only available under Visa?
    4. 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.

    5. What is the annual charge of Regalia First credit card?
    6. 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.

    7. How can I update or change my address of my HDFC credit card?
    8. 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.

    9. How can I know about the credit card application status?
    10. 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
      "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
      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
    • HDFC Bank Credit Card
      "Card features are good but the services should be improved"
      0.5 3.5/5 "Pretty good"
      The process in getting my HDFC REGALIA FIRST CREDIT CARD has been simple, i also satisfied with the credit limit with the card. The card has some good features and the annual charges with card will get waved off. It would have been good if they had a mobile application and if they had send the statement and bill via mail.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 29, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC credit card. I got an offer based on my requirement. Its a life time free credit card, I received a card within 7-10 working days. Based on the transactions I used to get reward points, for e commerce shopping like amazon and flipkart I get discounts.The customer service was good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 29, 2019
    • HDFC Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am an existing customer of this HDFC BANK so i have taken this card. The documentation process was simple and easy, i got the card within 1 week. The credit limit is good, it is a payable but wavier off option is there with this card. I am getting offers with the E-commerce sites.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 27, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      this card rewards point offer but I did not using much more in this card , because I have this card only two month this is chargeable 500 rupees annual card, I am satisfied with this bank, I am satisfied with credit limit their customer service is good and response at a time ,
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2019
    • HDFC Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      I took my HDFC bank credit card this is chargeable card , I am satisfied with credit limit and their customer service is good and response is also good , and here rewards point offer available , I did not use much more still recently I got this credit card ,
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      The process in getting my HDFC BANK REGALIA FIRST CREDIT CARD has been pretty much simple and there hasnt been any delay in getting the card as well. I am satisfied with the credit limit with this card and they had also explained me about the benefits and the features with this card. There is some annual charges with this card which will get waved off as per the usage.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 23, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the HDFC BANK REGALIA FIRST CREDIT CARD for the last one year where i am pretty much happy in using this card. There are many good benefits with the card like airport launch access, discounts on flight tickets, movie ticket offers and other benefits as well. It is a life time free card with a good credit limit.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 09, 2019
    • HDFC Bank Credit Card
      "Very much happy"
      0.5 4.5/5 "Excellent!"
      HDFC BANK is best and they basically understand the customer concern. They are providing feasible interest rate. My first credit card issued by them and am using it for past thirteen years. The credit limit is highest on REGALIA FIRST CARD. Its a life time free credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 01, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have taken a HDFC REGALIA CARD i am using this card more than 8 years.This is the best reward card and shopping purpose also i can use this card.Credit limit is sufficient the limit was Rs. 120000.Customer service is very very good in HDFC BANK.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 26, 2019
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