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HDFC Regalia First Card

The HDFC Regalia First Card range is highly regarded, with the Regalia Credit Card standing out as a popular choice due to its travel perks and lifestyle benefits. This card allows you to earn Reward Points on every purchase, whether it’s for retail shopping, utility bills, or rent payments. Additionally, you can enjoy exclusive dining offers through the Good Food Trail Program.

The card also offers the opportunity to earn up to 8,500 bonus Reward Points annually through renewal and milestone benefits. Moreover, the annual fee can be waived if your spending exceeds Rs. 1 lakh within a card anniversary year, making it even more attractive.

For more details about the HDFC Regalia First Credit Card, check out its detailed specifications below.

HDFC Regalia First Card

Joining Fee

The joining fee for the HDFC Regalia First Credit Card is ₹1,000 plus applicable taxes.

Renewal Fee

The renewal fee is ₹1,000 plus applicable taxes, which can be waived on annual spends of ₹1 lakh.

Best Suited For

This card is best suited for frequent travelers, diners, and those who want to earn reward points on regular expenditures like shopping, insurance, and utility bills.

Reward Type

The HDFC Regalia First Credit Card offers reward points that can be redeemed for various benefits, including travel bookings, gifts, and vouchers.

Welcome Benefits

New cardholders receive 1,000 Reward Points as a welcome benefit upon payment of the joining fee and spending a specified amount within the first 90 days.

Movie & Dining

Cardholders can enjoy exclusive dining discounts and access to the Good Food Trail dining program, offering benefits at premium restaurants.

Rewards Rate

The rewards rate is structured as follows:

  • 4 Reward Points per ₹150 spent on all retail spends, including insurance, utilities, and education.
  • 5% cashback on travel and shopping spends through the SmartBuy portal.

Reward Redemption

Reward Points can be redeemed for:

  • Airline and hotel bookings via SmartBuy (1 RP = ₹0.30)
  • Airmiles conversion (1 RP = 0.30 airmiles)
  • Products and vouchers (1 RP = up to ₹0.25)
  • Cashback against the card’s statement balance (1 RP = ₹0.15)

Travel

The card offers travel benefits including discounts on bookings made through the SmartBuy portal and complimentary domestic lounge access.

Domestic Lounge Access

The card provides eight complimentary domestic lounge accesses per year at select airports in India.

International Lounge Access

Currently, the HDFC Regalia First Credit Card does not offer complimentary international lounge access.

Golf

This card does not offer golf-related benefits.

Insurance Benefits

The card offers comprehensive insurance benefits including:

  • Accidental air death cover worth ₹50 lakhs
  • Emergency overseas hospitalization cover up to ₹10 lakhs
  • Lost card liability cover up to ₹5 lakhs

Spend-Based Waiver

The renewal fee is waived on spending ₹1 lakh or more in the preceding year.

Rewards Redemption Fee

A nominal fee of ₹99 plus applicable taxes is charged for redeeming reward points.

Foreign Currency Markup

The foreign currency markup fee for international transactions is 2%.

Interest Rates

The interest rate on the HDFC Regalia First Credit Card is 3.49% per month (41.88% per annum).

Fuel Surcharge

A 1% fuel surcharge waiver is applicable on transactions between ₹400 and ₹5,000.

Cash Advance Charges

Cash advances attract a fee of 2.5% of the transaction amount or ₹500, whichever is higher.

Pros

  • High reward points on retail spends
  • Complimentary domestic lounge access
  • Waiver of renewal fee on meeting spend criteria
  • Comprehensive insurance benefits

Cons

  • No international lounge access
  • High-interest rates on outstanding balances
  • Reward points expire after 2 years

HDFC Regalia First Credit Card Features and Benefits

Welcome Benefits

New cardholders receive 1,000 Reward Points as a welcome benefit upon payment of the joining fee and spending a specified amount within the first 90 days.

Dining Benefits

Enjoy exclusive discounts and access to the Good Food Trail dining program at premium restaurants.

Quarterly Spend Benefit

Cardholders can earn additional reward points on achieving quarterly spend milestones.

Fuel Surcharge Waiver

Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, helping you save on fuel expenses.

Renewal Fee Waiver

The renewal fee of ₹1,000 is waived if the total annual spends exceed ₹1 lakh.

Interest-Free Credit Period

The card offers an interest-free credit period of up to 50 days, provided the previous month’s balance is paid in full.

HDFC Regalia First Credit Card Cashback

The HDFC Regalia First Credit Card provides rewards in the form of points, which can be redeemed for various spending categories including travel and shopping through the SmartBuy portal.

HDFC Regalia First Credit Card Reward Point Redemption

Reward Points can be redeemed through the SmartBuy portal for:

  • Flights and hotel bookings (1 RP = ₹0.30)
  • Airmiles conversion (1 RP = 0.30 airmiles)
  • Products and vouchers (1 RP = up to ₹0.25)
  • Cashback (1 RP = ₹0.15)

Exclusion on Rewards Points/Cashback

Certain transactions such as fuel purchases do not earn reward points.

Who Should Get HDFC Regalia First Card?

The HDFC Regalia First Credit Card is ideal for individuals who travel frequently, dine out often, and prefer to earn reward points on their everyday spends. It is suitable for those who can leverage its reward structure and meet the spending criteria for fee waivers.

Eligibility Criteria for HDFC Regalia First Credit Card

  • Age: 21 to 60 years
  • Income: Minimum monthly income of ₹30,000
  • Credit Score: Good to excellent credit score

Compare HDFC Regalia First Card With Similar Cards

FeatureHDFC Regalia First Credit CardHDFC Millennia Credit CardSBI SimplySAVE Card
Annual Fee₹1,000₹1,000₹499
Rewards4 Reward Points per ₹1505% cashback on SmartBuy10x points on dining, groceries
Domestic Lounge Access8 per year8 per yearNone
Foreign Currency Markup2%3.5%3.5%
Reward Redemption Fee₹99 plus taxes₹99 plus taxes₹99 plus taxes

HDFC Regalia First Credit Card Review

Editor’s Rating

Card Review

Benefits
Fee
Customer Service

Summary

The HDFC Regalia First Credit Card is a well-rounded premium card offering substantial reward points on retail spends, comprehensive insurance benefits, and complimentary domestic lounge access. While it lacks international lounge access and offers high-interest rates on outstanding balances, it remains a practical choice for those who can utilize its rewards and meet the annual spend criteria for fee waivers.

3.9

FAQs:

  1. What is the annual fee for the HDFC Regalia First Credit Card?
    The annual fee is ₹1,000 plus applicable taxes, which is waived on annual spends of ₹1 lakh.
  2. Does the HDFC Regalia First Credit Card offer lounge access?
    Yes, it offers eight complimentary domestic lounge accesses per year.
  3. How can I redeem my Reward Points?
    Reward Points can be redeemed through the SmartBuy portal for flights, hotel bookings, products, and vouchers, or as cashback.
  4. What is the rewards rate on the HDFC Regalia First Credit Card?
    The rewards rate is 4 Reward Points per ₹150 spent on retail purchases.
  5. What is the foreign currency markup fee?
    The foreign currency markup fee is 2%.

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