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  • HDFC Regalia First Credit Card

    Apply online for HDFC Regalia First Credit Card to indulge in exclusive travel benefits. You can avail a complimentary priority pass membership, 15% discount on dining, free lounge visits, low foreign currency mark up fee and several other benefits.

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    HDFC Regalia First Credit Card is Rated as "Excellent!" by 209 Users

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    Credit Card BYTES FROM OUR KITCHEN

    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
      "Overall good"
      0.5 4.0/5 "Great!"
      I have a Regalia first credit card with HDFC Bank. It is a life time free card. The customer support and response is fine, the process could have been more sooner. There are overall good features and offers on the card. The credit limit is satisfactory.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 13, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since the annual charges with this card has been less. The process in getting this card has been simple and smooth, and the card has received on the right time. They had given me with a good credit limit and there has been some good benefits with this card. I am yet to experience this card and the features with the card.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Jan 10, 2019
    • HDFC Bank Credit Card
      "Hassle free card"
      0.5 5.0/5 "Blown Away!"
      I have received the card within 7 days. The processing quite was good. I have done own research on the card. I found regalia card suits my needs. 2 months before, i have purchased this card. They don't provided any offers. This is the only card which provides the EMI conversion facility for a lower amount also. I'm happy with the services and interest rate provided the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 10, 2019
    • HDFC Bank Credit Card
      "User friendly"
      0.5 4.0/5 "Great!"
      I just want to use the credit card and i have received the offer from HDFC hence i have chosen the HDFC bank. They are providing good offers but I'm using this card for shipping purpose. I'm very much satisfied with their customer care support. I have received the annual fee of Rs. 1 lakhs which is sufficient for me.
      Was this review helpful? 1
      , bhubaneshwar
      Reviewed on Jan 09, 2019
    • HDFC Bank Credit Card
      "Good to use"
      0.5 4.0/5 "Great!"
      I have not interacted with the customer service. I have chosen HDFC Regalia First credit card through online channel. The credit limit is good and am not sure about the annual charges. It is used for multi purpose. I have not been charged anything and its just couple of months.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 08, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I had chosen to go with them since i had used a credit card from them earlier also and there is no annual charges with this card. The process in getting this card has been smooth and simple. I am happy with the credit limit which they had given with this card and there has been pretty good benefits in holding this card which they had explained. There has not been any annual charges with this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 08, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      I had chosen to go with this card since there has been pretty much good offers on the online portals. The process in getting this card has been simple and smooth and there has not been any delay in getting this card. The credit limit with the card has been good and there has not been any annual charges with this card and i have started using this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 08, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The process was little long than usual and i was waiting for a long time to receive the card. The credit limit with the card has been good and they had explained about the benefits and features with the card. The annual charges with this card has been nominal and i am yet to experience with the benefits and the features with this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 08, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since it has been a life time free card. The process in getting this card has been simple and smooth. The credit limit which they had given with this card has been sufficient and they had also explained me with the benefits and the features with the card. I have started using this card as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 08, 2019
    • HDFC Bank Credit Card
      "Good card for a normal users"
      0.5 4.0/5 "Great!"
      They have given me a very good services and they have collected the documents by the next day after i approached the credit card. They have delivered the credit card in 5 days which is a quite fast process. I have received the statement messages once the bill is generated.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 07, 2019
    • 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 not been any annual charges with this card. The credit limit with this card has been good and they had also explained me with the benefits with the card as well. I have started using this card as well for some purchases and shopping.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 07, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I chose to go with this card since I had seen a lot of offers which saw online for the HDFC credit cards. The process in getting this card has been simple but there was too many documentation required. The delivery of the card also has been delayed a bit. The credit limit with this card has been good and the card is free for the first year.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 07, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since there has not been any sort of charges with this card. The process in getting this card has been simple and was done online. The credit limit with this card has been good and there has also been some good benefits with this card. It is a life time free card and i am yet to explore the benefits with this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 07, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      The process in getting this card has been smooth and easy and the documentation has been simple. The documentation has been collected at the doorsteps and the card was reached on time. The credit limit with the card has been quite less and there is an annual charges of 1000.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 07, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I had chosen to go with HDFC since i had my salary account with them and it will be easy in making the bill payments. The process in getting this card has just taken 4-5 working days. The credit limit which they had given with this card has been good. There has been some annual charges with this card as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 07, 2019
    • HDFC Bank Credit Card
      "Good for airlounges"
      0.5 4.0/5 "Great!"
      The reason to select HDFC card, they are providing airport lounges. I have applied for Diners club miles card but they gave me Regalia first but there is no annual card. The limit of the card is nominal, the documentation part is fine they didn't ask more documents.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 04, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have taken the credit card before one month and so far no issues with the customer service. I have applied the HDFC Regalia First credit card through online channel, I does not look for the benefits. The credit limit was okay. I will make the payment on or before due date so no idea about the interest rate.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 04, 2019
    • HDFC Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      I am holding regalia first credit card, there is no processing fee and it has Rs.1000 as annual charges. If I do more than five transactions, I will be getting Rs. 200 big basket voucher. The credit limit is satisfactory, the card is very convenient to use.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 04, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I don't have customer service experience. I have chosen HDFC Regalia First credit card, I was looking for airport lounge access. I think the annual charges are applicable which is Rs.1000 but am not sure. I have not used the card yet. The credit limit was sufficient.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 04, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken a HDFC Regalia First card through online channel. I think its a life time free card and more over it has good offers. The process was immediate and got the card within a week. The documentation process was similar like other banks and which was easy. The credit limit was enough.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 04, 2019
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