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    HDFC Regalia First Credit Card is Rated as "Excellent!" by 162 Users

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    HDFC Regalia First Credit Card

    Regalia First Credit Card is a super-premium credit card offered by HDFC Bank. The card offers exclusive travel benefits, dining privileges at leading restaurants and best-in-class rewards programme. Best suited for frequent air travellers, Regalia First Card also provides exclusive lifestyle benefits that enable the users to get the best of both worlds. Continue reading to know the list of features and benefits offered by the premium credit card along with other important details such as fees and charges, eligibility and the ways to apply for the super card.

    Benefits Of HDFC Regalia First Credit Card

    The Regalia credit card comes with a myriad of benefits. They are as follows:

    • Welcome gift: Cardholders 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 an anniversary year and earn 5,000 reward points. Earn 7,500 reward points by spending Rs.6 lakh in a year. Anniversary year is 12 months from the date of card issuance. The accumulated reward points have a validity of 2 years.
    • 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: With Regalia First Credit Card, cardholders can experience a variety of dining offers at more than 3,000 restaurants in 20 Indian cities. The offers include up to 15% discount on food and soft beverages or total bill at select outlets in your city. 
    • Attractive rewards programme: Every Rs.150 spent on retail transactions will earn you 4 reward points. The accrued reward points can be redeemed for air tickets or hotel bookings made through www.hdfcbankregalia.com. Each reward point is worth 30 paise when redeemed on the website.

     Cardholders can also redeem the points for attractive gifts listed in the bank’s exclusive rewards catalogue. The reward points can also be converted into AirMiles of domestic and international airlines. Fuel transactions and EasyEMI transactions are not eligible for reward points. 

    • 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. 
    • Interest-free period: Cardholders can enjoy up to 50 days of interest-free period post which they can choose to pay either minimum amount due, which is 5% of the total due, or clear the due in total. The carry forwarded balance will attract an interest of 3.49% per month.

    Travel Benefits Offered By HDFC Regalia First Credit Card

    As mentioned earlier, Regalia First Credit Card offers exclusive travel benefits enabling cardholders to make the most of their vacation. Let’s look at the travel specific features offered by the card in detail.

    • Complimentary lounge access: Regalia First cardholders can avail complimentary Priority Pass Membership which provides preferential access to more than 1,000 airport lounges across the globe. The primary cardholder along with one add-on member can enjoy three free visits to priority pass lounges outside India in a calendar year. Cardholders need to apply for priority pass membership after completing at least 4 transactions in the last 60 days before applying. 

    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 cover: Regalia First credit card users can avail comprehensive insurance coverage against several risks. A compensation of Rs.50 lakh will be given to your nominated kin in the event of an air accident. In case there is a medical emergency situation 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.

    Fees And Charges Of Regalia First Credit Card

    Type of fees or charges

    Amount (Rs.)

    First Year Membership Fee

    Rs.1,000 + taxes

    Renewal membership Fee

    Rs.1,000 + taxes

    Limit on Cash Advance

    40% of the total credit limit

    Fee for additional card

    NIL

    Revolving credit charges

    3.49% per month or 41.88% per annum

    Charges for cash advance

    2.5% of the withdrawn amount subject to a minimum of or Rs.500

    Overlimit account charges

    2.5% of the overlimit amount. This fee is subject to a minimum amount of Rs.500.

    Payment return charges

    2% of the payment amount. This fee is subject to a minimum amount of Rs.450.

    Fee for cash processing

    Rs.100

    Fee for Rewards redemption

    Rs.99 for every redemption request

    Processing charges for balance transfer

    Rs.250 or 1% of the balance transfer amount, whichever is more

    Fee for purchase of Railway tickets

    1.8% of the transaction amount + GST

    Stolen / Damaged / Lost card

    Rs.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.50

    Foreign currency transactions

    2%

    Eligibility To Apply For Regalia First Credit Card

    For salaried applicants, the minimum age should be 21 years and the maximum is 60 years and the net monthly income should not be less than Rs.60,000.

    For self-employed, the age range is 21 to 65 years and annual income should not be less than Rs.7.2 lakh.

    How To Apply HDFC Regalia First Credit Card?

    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 such as name, mobile number, e-mail ID, company name, monthly income, etc. Check the box that authorises the bank representatives to contact you can click on ‘Submit’

    Once HDFC receives your application, you will be approached 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 offline: Alternatively, you can walk into a nearby HDFC bank branch and speak with a representative of the bank to apply. You can also call HDFC credit card customer care number to speak with a phone banker and know more about the application process.

    FAQs on HDFC Regalia First Credit Card

    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 using your net banking account.

    1. 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 https://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 the registered mobile phone number and click on ‘Submit’.

    1. Can I earn reward points on the amount that I spend on fuel using my HDFC Regalia First Credit Card?

    No, you cannot earn reward points on the amount that you spend on fuel using your HDFC Credit Card.

    Credit Card Reviews

    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I had chosen to go with this card since there has been a priority pass with the card on international travel and i am happy with the card. The process in getting this card has been easy comparatively. The credit limit which they had given with the card has been good and there has been an annual charges of 499.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 15, 2018
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using this card for the last five years and the services which they had been providing so far had been good. The credit limit which they had given with the card has been satisfactory and there has been some good benefits in holding this card and it has been a life time free card.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 14, 2018
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      One of the reason i had chosen to go with them since there has been good offers with their card on online portals The process in getting this card has been simple and i got the card on the right time. The credit limit which they had given with card has been satisfactory and there is some features which i am yet to explore. There is an annual fee of 2500 with the card as well.
      Was this review helpful? 0
      , lucknow
      Reviewed on Nov 13, 2018
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since my friend has been using this card, but the process in getting this card has taken more time than usual. I am satisfied with the credit limit which they had given with the card and i am yet to explore the benefits and features with the card. It has been a life time free card.
      Was this review helpful? 2
      , chennai
      Reviewed on Nov 11, 2018
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I was just looking for a premium card and as HDFC is linked with many online portals and was having good offers i went to chose with them. The process in getting the card has not been good where my address was wrongly took and it had taken 45 days in getting the card. They had given me with the highest credit limit when compared with the other cards whcih i am holding.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Nov 11, 2018
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been holding this card for the last eight years and the services which they had been providing so far had been up to the mark. I am happy with the credit limit with the card and there has been some good benefits in holding this card as well. There has not been any sort of annual charges with this card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 08, 2018
    • HDFC Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The process in getting my HDFC REGALIA FIRST CREDIT CARD has been simple and smooth and there has not been any delay in getting the card. They had given me with a credit limit of 2,00,000 which has been satisfactory and they had explained me with the benefits and features with the card. I had started using the card as well.
      Was this review helpful? 1
      , new delhi
      Reviewed on Oct 27, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Got my Hdfc regalia first credit card and am started using it . There is no annual charges for the card as its life time free card . There is no additional charges for the transaction which i make . Reason for choosing the card mainly for Hdfc brand value . Overall am satisfied with this card .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 26, 2018
    • HDFC Bank Credit Card
      "Services are not good but the card has good features"
      0.5 3.0/5 "Satisfactory"
      I had applied for a DINERS CLUBMILES CARD but they had given me with Regalia First Card and i am unhappy with the services which they had provided. It is a good card which they had provided me but i was specifically looking for the other card where i was interested with the benefits and features with the card. The bank has responded that they cannot change the card now.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 23, 2018
    • HDFC Bank Credit Card
      "Excellent card with lot of offers"
      0.5 4.5/5 "Excellent!"
      The process in getting the card has been very good and there has not been any delay in getting this card. The whole process has been done online and it was a lot of time saving. I am quite satisfied with the credit limit which they had given with this card, there has been some annual fee with the card which will get waved off as per the usage.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 15, 2018
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had chosen to go with this card since it has been a life time free card and the process in getting this card has been smooth and easy. There has been some delay in getting card where it has taken just two to three days delay. There has been some good benefits in holding this card as well. I had started using the card for few of the purchases.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 12, 2018
    • HDFC Bank Credit Card
      "Features Loaded Card"
      0.5 5.0/5 "Blown Away!"
      It has been the best card among all the cards which i am holding and they had given me with the highest credit limit of 8,00,000. They also had been having the good services and there has been some good benefits in holding this card as well. I had been holding this card for the last five months and overall it has been a hassle free banking service which they had provided so far.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 09, 2018
    • HDFC Bank Credit Card
      "Not the one I was looking for"
      0.5 3.0/5 "Satisfactory"
      I've applied for the Diners Club Miles card and got the HDFC Regalia First Credit card.The experience is good, The credit limit fine for me. It has offered reward points came along with the standard offerings. They need to deliver the exact card the customer is looking for.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 26, 2018
    • HDFC Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      I hold a credit card with HDFC Bank and the offers on the card is good. There are no issues while using the card. The online banking is fine too. The credit limit is fine and till date it has been a smooth process. The card is acceptable every where.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 21, 2018
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      It is a good experience with HDFC Bank and the Regalia first credit card was a good experience and quite worth for me as well. The process was on time. I use it for shopping and other stuff. There are reward points which have accumulated as well. There is a cash back offer on fuel too. It is a life time free card and the credit limit is fine.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 14, 2018
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      The process in getting the HDFC Bank Diners Rewards Card has been smooth and easy and the card also had reached on the right time, it took 15 days in receiving the card. The credit limit of 75,000 which they had provided with the card has been satisfactory and i have started using the card for shopping and all other purchases.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 03, 2018
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I had chosen to go with HDFC Bank Regalia First Card since there has been some good features and benefits which where available with this card. The process in getting this card has been good and the card also had been good and the card has reached on the right time. The credit limit which they have provided with the card has been good and i had been using the card for shopping and other purchases.
      Was this review helpful? 0
      , jaipur
      Reviewed on Sep 03, 2018
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had chosen to go with HDFC REGALIA FIRST CREDIT CARD since there has been some good benefits with this card, like there has been airport launch which was the main reason in chosing it. The process in getting the card has been smooth and it has been easy. The credit limit which they have provided with the card has been good and i have started using the card as well.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Sep 03, 2018
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have chosen to go with this card since there has not been any sort of charges which have been coming with this card like joining fee or annual fee. The process in getting this card has been quite easy and the card also had reached on the right time. The credit limit which they had given with the card has been good as well as there has been good features and benefits with this card as well.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 03, 2018
    • HDFC Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I had chosen to go with this car since there has been good benefits with this card. The process in getting this card has been smooth and easy and the card also had reached on the right time. The credit limit which they had provided with the card has been good as well. I have started using the card for shopping and all other purchases.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 27, 2018
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