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    We found 1 HDFC Regalia First Credit Card
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    HDFC Regalia First Credit Card is Rated as "Excellent!" by 81 Users

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    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 HDFC Regalia First Credit Card?

    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 of Regalia First Credit Card

    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

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    • HDFC Bank Credit Card
      "Very good service"
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      It has been the best card among all the cards which i am holding. There has been good benefits and features with the card and also there has been good credit limit. There has been good EMI options given by them. I have been using for almost two and half years and i am happy with all the services which they have been providing so far.
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      , chennai
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    • HDFC Bank Credit Card
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      I have been holding this card for more than two years. The services which they have been providing has been good so far. The credit limit had been satisfactory and there has been good benefits and features with the card. I have been using the card for shopping, online purchases and all other purposes.
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    • HDFC Bank Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I have been holding this card for almost 6-7 months, the services which they have been providing so far had been very good. There has been good benefits and features with the card. I have been using the card for online purchases, shopping and all other purposes.
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      , thane
      Reviewed on May 26, 2018
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding this card for the past one year, the services of them had been good so far. There has been good benefits and features with the card, and also they have provided with a good credit limit as well. There has been good reward points and cash back offers with the card and i have been using it for all kind of purposes like shopping and for other purchases.
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      , new delhi
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      My credit card is with HDFC Bank and the banking services are good. There are no charges taken for the card and the credit limit is also fine. The statements are clear and I am happy with the offers I get on the card. There has been no inconvenience faced till date.
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      Reviewed on May 26, 2018
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've few credit cards but HDFC Regalia is the best card, because their service is good. The limit is also good. Cash back offers are there but never availed. I never faced any issue with the card and their services. It is a recommendable card to have.
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      , hyderabad
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      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding the card for the last one year, the services which they have been providing have been very good. It has been very transparent with their services. The credit limit which they have been provided with the card had been good, they have increased the limit also. Even they had offered me loans as well. I have been using the card for shopping, traveling, fuel and everything.
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      , bangalore
      Reviewed on May 26, 2018
    • HDFC Bank Credit Card
      "Excellent Card"
      0.5 5.0/5 "Blown Away!"
      I purchase this HDFC regalia card 2 years ago. Good offers in this regalia credit card. I used to get good reward points. If i spent Rs. 150 then i will get 3 reward points. EMI conversion is available in this card. Overall, i'm satisfied with this card.
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      , gurgaon
      Reviewed on May 25, 2018
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      , new delhi
      Reviewed on May 25, 2018
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      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The services which they have been providing so far had been very good. I have been using the card for the last 7 months. They have been provided with a good credit limit, the benefits and the features with the card also had been good. There has not been any annual fee with the card and i have been using the card for all kind of purposes.
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      , hyderabad
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      0.5 5.0/5 "Blown Away!"
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      , gaya
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      "Excellent service"
      0.5 5.0/5 "Blown Away!"
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      , kochi
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