The HDFC Regalia First Credit Card is one of the most popular credit cards in HDFC Bank’s premium portfolio which comes with special privileges and benefits for its customers. The card offers excellent rewards and other benefits on shopping, travel and entertainment. Reward points, once accumulated, can be used to purchase gifts and other items. Airport lounge access and exclusive dining privileges are some attractions of this credit card.
HDFC Regalia First Credit Card- Features and Benefits
Following are the features and benefits that can be availed on HDFC Regalia First credit card
Airport Lounge Access: HDFC Bank Regalia First Credit Card holder gets access to over 850 airport lounges across the world. The cardholder will be eligible for a priority pass that they can use to access these lounges. However, users should note that you must have made at least 4 valid transactions within the last 60 days to be eligible for Priority Pass Membership.
Dining Privileges: The cardholder will enjoy dining benefits at more than 300 top restaurants. These restaurants include the prominent hotel chains such as Hyatt, The Leela, The Gateway, Taj, Marriott, etc. Card users get free offers in addition to discounts every time they use their HDFC Bank Regalia First Credit Card.
Fuel Benefits: There will be no fuel surcharge on all fuel purchased using the card. However, it must be noted that this applies to a fuel purchase of at least ₹ 400. The maximum cash benefit is cash back of ₹ 500 on every billing cycle.
Reward Points: Earned reward points on transactions done through the card. These accumulated reward points can be used to buy a whole range of products that have been listed on the HDFC catalogue. The reward points can be redeemed to buy airline tickets, both domestic and international. In addition, one can use the cards for making hotel bookings, movie tickets, mobile and DTH recharge, and so on. Here is how the reward points accumulate:
- Cardholders can earn 4 reward points for every ₹ 150 spent using HDFC Bank Regalia First Credit Card.
- This increases to 2X reward points (i.e. 8 reward points) for every ₹ 150 spent on bookings made through hdfcbankregalia.com and on dining in stand-alone restaurants.
- Moreover, you get 5X reward points (i.e. 20 reward points) for every ₹ 150 spent on specific retail and online outlets such as Lifestyle, MakeMyTrip, Snapdeal, BigBasket, Niligiris and Easyday.
Complimentary Insurance: The card also provides insurance to its users. The kin of the cardholder will get ₹ 50 lakh in case there is an air accident. Additionally, a medical insurance of ₹ 10 lakh can be availed if the cardholder is in a foreign country. All they need to do is to relay the necessary documents to the HDFC insurance company situated in Noida.
Easier Repayment Options: Customers are given an interest free period of 50 days.
Savings and Other Benefits: If used correctly, the customer can save up to ₹ 50,000 on the use of the card. The cardholder will only be charged a mark-up fee 2% on their foreign currency spending.
HDFC Regalia First Credit Card- Fees and Charges
HDFC Regalia First credit card attracts the following fees and charges-
|Type of Fee/Charge||Amount|
|Annual Fee||₹ 1,000|
|Cash Advance Charges||2.5% of amount withdrawn or ₹ 500 whichever is higher|
|Add-on Card Fee||Nil|
|Overlimit Charges||2.5% of overlimit amount, subject to a minimum of ₹ 500|
|Railway Ticket Purchase Fee||1.8% of the transaction amount + GST|
|Reissue of Lost, Stolen or Damaged Card||₹ 100|
|Payment Return Charges||2% of Payment amount subject to minimum of ₹ 450|
|Cash Processing Fee||₹ 100 (for all card payments made by depositing in HDFC
Bank branches or ATMs)
|Balance Transfer Processing Charges||1% of BT amount or ₹ 250, whichever is higher|
|Late Payment Charges||For Statement Balance:
HDFC Regalia First Credit Card- Eligibility Criteria
To be eligible for this credit card, applicants must fulfil the following criteria-
- He/she should be at least 21 years old.
- He/she should not be more than 60 years old (for self-employed it is 65 years).
- Both Resident Indians and NRIs can apply for this credit card.
- The applicant should have a credit score of 750 and above.
Apart from these, you should also be able to submit valid proofs of identity, address and income.
|Proof of Identity||PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI|
|Proof of Address||Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement|
|Proof of Income||Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement|
How to apply for HDFC Regalia First Credit Card
At Paisabazaar.com, you can apply for HDFC Regalia First credit card in a few easy steps:
Step 1– Visit the credit card section on Paisabazaar.com. Click here.
Step 2– Fill the basic details in the given form such as Occupation, Pincode, Net monthly income, etc.
Step 3– You can then filter the results for HDFC Bank credit cards. If you are eligible for Regalia First card, it will be shown in the list.
Step 4– Click on ‘Check Eligibility’ and enter the information needed.
Step 5– If you are eligible, you will be required to fill a detailed form and submit it.
An executive from Paisabazaar.com will call you and ask a suitable time for the bank representative to collect documents from your home or office. Bank will then check the documents provided and if everything goes right you will get the card delivered at your address in 10-15 days.
You can also apply directly from HDFC Bank’s website or by visiting the nearest HDFC branch.
Frequently Asked Questions (FAQs) About HDFC Regalia First Credit Card
HDFC Regalia First Credit Card FAQs
Q. Why should I choose the HDFC Regalia First Credit Card?
A. 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.
Q. How can I know my credit card application status?
A. 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.
Q. How can I change my address on my credit card?
A. 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.
Q. How do I stop my statements coming to my postal address?
A. 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
Q. What should I do if my card is stolen or lost?
A. 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.