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.
- Joining Fee
- Renewal Fee
- Best Suited For
- Reward Type
- Welcome Benefits
- Movie & Dining
- Rewards Rate
- Reward Redemption
- Travel
- Domestic Lounge Access
- International Lounge Access
- Golf
- Insurance Benefits
- Spend-Based Waiver
- Rewards Redemption Fee
- Foreign Currency Markup
- Interest Rates
- Fuel Surcharge
- Cash Advance Charges
- Pros
- Cons
- Welcome Benefits
- Dining Benefits
- Quarterly Spend Benefit
- Fuel Surcharge Waiver
- Renewal Fee Waiver
- Interest-Free Credit Period
- HDFC Regalia First Credit Card Reward Point Redemption
- Exclusion on Rewards Points/Cashback
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
| Feature | HDFC Regalia First Credit Card | HDFC Millennia Credit Card | SBI SimplySAVE Card |
|---|---|---|---|
| Annual Fee | ₹1,000 | ₹1,000 | ₹499 |
| Rewards | 4 Reward Points per ₹150 | 5% cashback on SmartBuy | 10x points on dining, groceries |
| Domestic Lounge Access | 8 per year | 8 per year | None |
| Foreign Currency Markup | 2% | 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
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.
FAQs:
- 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. - Does the HDFC Regalia First Credit Card offer lounge access?
Yes, it offers eight complimentary domestic lounge accesses per year. - 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. - 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. - What is the foreign currency markup fee?
The foreign currency markup fee is 2%.
Quick Links
- HDFC Bank Credit Cards
- Apply for HDFC Regalia First Credit Card
- HDFC Regalia First Credit Card Terms and Conditions
- HDFC Bank Customer Care
