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HDFC Regalia First Credit Card offers its users with excellent rewards and benefits on shopping, travel and entertainment. Airport lounge access and exclusive dining privileges add to its benefits. In its fee range, HDFC Regalia First Credit Card is one of the best options. Read on to know more about this card.
Best suited for
Annual Fee: ₹ 0
Waived of on a spend ₹1 Lac in the previous year of the Cardmembership
Joining Fee: ₹ 0
Waived of if Minimum 3 transactions are made within first 90 days of card setup, else a fee of ₹1,000 is applicable
Best Suited For – Travel, Dining, Fuel and International Shopping
*Offers are from Paisabazaar's partner Banks & NBFCs.
A great card for airport lounge access worldwide. Customer can gets access to over 850 airport lounges globally after making at least 4 valid transactions within the last 60 days and be eligible for Priority Pass Membership
Enjoy dining benefits at more than 300 top restaurants among prominent hotel chains such as Hyatt, The Leela, The Gateway, Taj, Marriott, etc.
No fuel surcharge on all fuel purchased using the card on fuel purchase of at least Rs.400 up to Rs. 500 in every billing cycle
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Fee and Charges
|Annual Fee||Rs. 1,000|
|Cash Advance Charges||2.5% of amount withdrawn or Rs. 500 whichever is higher|
|Add-on Fee (per annum)||Nil|
|Overlimit Charges||2.5% of overlimit amount, subject to a minimum of Rs. 500|
|Railway Ticket Purchase Fee||1.8% of the transaction amount + GST|
|Reissue of Lost, Stolen or Damaged Card||Rs. 100|
|Payment Return Charges||2% of Payment amount subject to a minimum of Rs. 450|
|Cash Processing Fee||Rs. 100 (for all card payments made by depositing in HDFC Bank branches or ATMs)|
|Balance Transfer Processing Charges||1% of BT amount or Rs. 250, whichever is higher|
|Late Payment Charges||For Statement Balance:|
Eligibility and Documentation
Before applying for this credit card, you must fulfil the following eligibility criteria–
Following documents are required by HDFC Card at the time of credit card application–
HDFC Card Customer Care Details
|Customer Care Number||022-6160-6161(Toll Free)|
|Timings||9:30 AM to 5:30 PM from Monday to Saturday|
How to apply for HDFC Regalia First Credit Card
You can also apply directly from HDFC Bank’s website or by visiting the nearest HDFC branch.
HDFC Bank Reward Points
Here is how the reward points earned using the HDFC Regalia First credit card gets accumulated:
Why should I choose the HDFC Regalia First Credit Card?
The card offers many benefits in the form of airport lounge access, dining options at restaurants in 5-star hotels, and reward points on card transactions that can be used for purchasing airline tickets and an array of gifts from the HDFC catalogue, among others. The card also provides insurance cover for medical emergencies.
What is HDFC Regalia First credit card annual fee?
The HDFC Regalia First credit card annual fee is Rs. 1,000 + GST. The renewal fee on this card is Rs. 1000 + GST.
Is HDFC Regalia First credit card lifetime free?
No, the HDFC Regalia First credit card attracts a joining fee of Rs. 1000 + GST. The annual fee on the credit card is Rs. 1000 + GST.
How is HDFC Regalia First credit card limit decided?
HDFC Regalia First credit card limit is decided based on a number of factors such as:
How to get HDFC Regalia card lounge access?
HDFC Regalia cards come with the Priority Pass Membership. A cardholder can visit a Priority Pass Airport Lounge and use his card to gain access to the lounge. One can avail HDFC Regalia card lounge access free of cost thrice in a calander year at more than 1000 lounges outside India.
How can I know my credit card application status?
You can log on to the company website to find this. You will be required to enter the 16-digit application reference number and your date of birth or mobile number, and you will be able to get the details.
How can I change my address on my credit card?
You can send an e-mail to the bank asking them to change the address on your HDFC Regalia First Credit Card. You can also start the process by using the online portal of the bank.
How do I stop my statements coming to my postal address?
You will have to download the physical statement suppression MID form from the HDFC website. Then you will have to sign it and send it to the corresponding address at
HDFC Bank Cards Division,
P. O. Box No. 8654,
Thiruvanmiyur, Chennai- 600 041
What should I do if my card is stolen or lost?
You can call up the customer care service of the bank and report the card as stolen or lost. You can also log on to your net banking account and report your card to be missing. However, it must be noted that if the card is recovered a few days after it was reported stolen, then since it is already blocked you should cut the card into four pieces diagonally. This is done in order to destroy the chip embedded in the card.
What is the benefit of HDFC regalia card?
Benefits of HDFC Regalia First credit card are as follows:
How can I get priority pass for HDFC Regalia First Credit Card?
Cardholders get complimentary access to Priority Pass Membership with their HDFC Regalia First credit card.
What is the limit of HDFC regalia first credit card?
HDFC Regalia First credit card limit is different for all customers. It depends on a number of factors such as the current salary of the applicant, organization he is working in, address, etc.
Can I convert HDFC Regalia reward points to cash?
Yes, HDFC Bank provides the facility to convert reward points earned on the Regalia First credit card into cash. However, a redemption fee is required to be paid at the time of points conversion.
Is HDFC Bank Regalia First card free?
HDFC Regalia First credit card annual fee is Rs. 1,000 + GST. However, you can get it reversed for the next year if you spend more than Rs. 1 Lakh in the current year.
|Credit Card||Annual Fee||Reward Points||Net Savings|
|HDFC Regalia First||Rs.1000||Earn 4 Reward Points on spending Rs.150||Rs.11,316*Rs.19,644**|
|SBI SimplySave||Rs.499||Earn 2,000 Bonus Reward Points on spending Rs.2000 or more within first 60 days of issuance||Rs.9,271*Rs.14,541**|
|Citibank Cash Back||Rs.500||Earn 5% cashback on utility bills and entertainment||Rs.6,620*Rs.13,740**|
|Standard Chartered Manhattan Platinum||Rs.999||Earn 3X Reward Points on Hotel Reservations, Dining, Utility Bills etc.||Rs.8,697*Rs.16,293**|
|Standard Chartered Super Value Titanium||Rs.750||Earn 5% cashback on utility bills along with 1 Reward Point for every Rs.150 spent||Rs.9,834*Rs.19,644**|
*On spending Rs.2 lakh annually
**On spending Rs.4 lakh annually
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|YES First Preferred Credit Card||Nil||Avail 3 Domestic Airport Lounge visits per quarter. Earn 20,000 Reward Points on spending Rs.7.5 lakh||N/A|