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Last updated: 01-06-2026
HDFC Bank Regalia First Credit Card
HDFC Bank

HDFC Bank Regalia First Credit Card

"HDFC's accessible travel card โ€” 4 reward points per โ‚น150, Priority Pass international lounge access, โ‚น50 lakh air accident cover and SmartBuy rewards"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น1,000 + GST
๐Ÿ”„ Renewal Fee
โ‚น1,000 + GST
Waived: Annual fee waived on spending โ‚น3 lakh or more in the anniversary year
๐ŸŽฏ Best Suited For
Entry to mid-level travellers who want Priority Pass lounge access, travel insurance and SmartBuy rewards at a lower fee than Regalia Gold; those who fly 2 to 4 times per year
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.50 for flights/hotels on SmartBuy; 1 RP = โ‚น0.20 for cashback)
๐ŸŽ‰ Welcome Benefit
1,000 reward points on joining; complimentary Priority Pass for self and add-on member after 4 retail transactions
๐Ÿ’ฐ Reward Rate
4 RPs per โ‚น150 on all eligible retail spends (1.33% base at SmartBuy value); up to 10X on SmartBuy portal; 5,000 bonus RPs on โ‚น3 lakh annual spend; additional 2,500 bonus RPs on โ‚น6 lakh annual spend; 1,000 welcome RPs on joining; 1,000 renewal RPs; RPs valid 2 years
โœˆ๏ธ Lounge Access
2 complimentary domestic lounge visits per quarter on spending โ‚น1 lakh in preceding quarter; 3 complimentary international lounge visits per year via Priority Pass for primary and add-on member combined (after minimum 4 retail transactions)
๐Ÿ’ฑ Forex Markup
3.5% on international transactions
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โœ… Pros
  • Low โ‚น1,000 fee with achievable โ‚น3L waiver
  • Priority Pass for self and add-on member
  • SmartBuy 10X rewards
  • Air accident cover โ‚น50 lakh
  • Boarding Edge Program perks
  • Good Food Trail dining discounts
  • 1,000 welcome + 1,000 renewal RPs
  • Milestone bonus RPs on โ‚น3L and โ‚น6L spend
โŒ Cons
  • Domestic lounge requires โ‚น1L quarterly spend โ€” demanding
  • Only 3 international lounge visits per year (shared)
  • High forex markup 3.5%
  • Base reward rate 1.33% at SmartBuy value โ€” lower than Regalia Gold
  • Redemption fee โ‚น99 + GST
  • RPs valid only 2 years

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.50 for flights/hotels on SmartBuy; 1 RP = โ‚น0.20 for cashback)
Welcome Benefits
1,000 reward points on joining; complimentary Priority Pass for self and add-on member after 4 retail transactions
Reward Rate
4 RPs per โ‚น150 on all eligible retail spends (1.33% base at SmartBuy value); up to 10X on SmartBuy portal; 5,000 bonus RPs on โ‚น3 lakh annual spend; additional 2,500 bonus RPs on โ‚น6 lakh annual spend; 1,000 welcome RPs on joining; 1,000 renewal RPs; RPs valid 2 years
Reward Redemption
SmartBuy portal: flights and hotels at 1 RP = โ‚น0.50; cashback at 1 RP = โ‚น0.20; vouchers; Airmiles; redemption fee โ‚น99 + GST
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น400 to โ‚น5,000; maximum โ‚น250 per statement cycle
Lounge Access
2 complimentary domestic lounge visits per quarter on spending โ‚น1 lakh in preceding quarter; 3 complimentary international lounge visits per year via Priority Pass for primary and add-on member combined (after minimum 4 retail transactions)
Spend Based Fee Waiver
Annual fee waived on โ‚น3 lakh annual spend
Milestone Benefits
5,000 bonus RPs on โ‚น3L annual spend; 2,500 additional bonus RPs on โ‚น6L annual spend; 1,000 RPs on renewal each year; fee waiver on โ‚น3L spend
Other Benefits
Priority Pass for self and add-on after 4 transactions; air accident cover โ‚น50 lakh; emergency overseas hospitalisation โ‚น10 lakh; credit liability cover โ‚น9 lakh; Good Food Trail dining discounts up to 40% at partner restaurants via Swiggy Dineout; 24x7 concierge on 1860 425 1188; contactless payments; Smart EMI; Boarding Edge Program (spa, buffet, hotel upgrade, airport transfer โ€” any 2 per quarter on uploading boarding pass)

โœจ Special Perks & Exclusive Offers

Memberships
Priority Pass (on 4 retail transactions)
Insurance Cover
Air accident cover โ‚น50 lakh; emergency overseas hospitalisation โ‚น10 lakh; credit liability cover โ‚น9 lakh; zero lost card liability
Add-on Cards
Add-on cards share Priority Pass with primary (3 combined international visits)
Concierge Services
24x7 concierge: 1860 425 1188
Special Offers
SmartBuy 10X; Priority Pass; โ‚น50L air accident cover; Good Food Trail dining; Boarding Edge Program

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น1,000 + GST
Annual Fee / Renewal Fee
โ‚น1,000 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น3 lakh or more in the anniversary year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
โ‚น100 to โ‚น1,300 based on outstanding
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น550
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
3.5% on international transactions
Other Charges
Domestic lounge requires โ‚น1 lakh quarterly spend โ€” high threshold; high forex markup 3.5%; Priority Pass gives only 3 international visits per year (shared between primary and add-on); redemption fee โ‚น99 + GST

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 60 years (salaried) or 21 to 65 (self-employed); minimum monthly income โ‚น40,000; Indian resident; CIBIL 720+
Credit Score Requirement
720+ CIBIL recommended
Credit Limit
Based on income and HDFC Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per HDFC Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via HDFC MyCards app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on unauthorized transactions
Virtual Card Numbers
Virtual card via HDFC Bank app
Zero Liability Protection
Zero liability after immediate reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 267 6161 (24x7); Regalia support: 1860 425 1188
Chat / Email Support
Chat via HDFC iMobile app
Mobile App
HDFC Bank MyCards app
Online Banking
HDFC NetBanking

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:33 PM
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