HDFC Regalia First Credit Card – An All-rounder Card

The features and benefits of this credit card are as follows:

Reward Points

HDFC Regalia First Credit Card users will earn reward points on all the expenses as per the below details:

• Earn 4 reward points on every Rs. 150 spent on retail, including insurance, utilities, education, and rent
• 1 reward point is equivalent to Rs. 0.3. For example, if you spend Rs. 15,000 on rent payment, you will earn 400 reward points worth Rs. 120.
• HDFC Regalia First Credit Card users can also enjoy accelerated reward points and 5% cashback on travel and shopping via SmartBuy

Accumulated reward points can be redeemed through a dedicated portal for HDFC Regalia customers or through the SmartBuy section on HDFC net-banking. Below mentioned are the terms and conditions related to reward points:

• Reward points are valid only for 2 years from the date of accumulation. For example, reward points received in June 2020 will expire in June 2022.
• In case the credit card is not in use for more than 1 year, the accrued reward points will be nullified
• For insurance transactions, a maximum of 2,000 rewards per day can be accrued
• For travel bookings done via credit card, up to 70% of the earned reward points can be redeemed. The balance amount should be paid via credit card.

Milestone Benefits

HDFC Regalia First Credit Card offers milestone benefits in the form of bonus reward points, once a customer reaches spending milestones. Below mentioned are the details regarding the same:

• Earn 5,000 reward points (Rs. 1,500) on spending Rs. 3 lakh or more in a year
• Earn extra 2,500 reward points (Rs. 750) on spending Rs. 6 lakh or more in a year

Airport Lounge Access

Complimentary Airport Lounge access within India: HDFC Regalia First Credit Card customers can get 8 complimentary airport lounge access in a year within India, at both domestic and international terminals as per the below details:

• Visa credit card-holders will be charged a transaction fee of Rs. 2 towards complimentary lounge access
• It should be noted that once you have exceeded the complimentary access quota, usual visiting charges will be applied by the lounge

Quick Check: Credit cards that offer lounge access

How to use the Airport Lounge benefit?

HDFC Airport Lounge benefit is applicable on select lounges only. Card users can visit an eligible airport lounge and swipe their Regalia First Credit Card to avail complimentary access.

Priority Pass Membership Benefits

Airport Lounge access outside India: Customers with Priority Pass membership can avail up to 3 complimentary access in a year outside India as per the below details:

• Once you have exceeded the complimentary access quota, the US $27 + GST per visit will be charged by the lounge
• One add-on member is also allowed with Priority Pass membership

Who can apply for Priority Pass membership?

HDFC Regalia First Credit Card-holders who have completed a minimum of 4 retail transactions can apply for priority pass membership.

Important: Charges applied on each visit after exceeding the complimentary access quota will be added to the subsequent credit card statement. Also, such transactions will not accrue reward points.

Annual Fee Reversal

• The annual fee is waived off on spending more than Rs. 1 lakh in the previous year
• Earn welcome and renewal benefit of 1,000 reward points each. This is applicable only when the membership fee is realized and not when the fee is waived off.

Low Foreign Currency Markup Fee

HDFC Regalia First Credit Card is an excellent choice, especially for those who travel overseas frequently. As compared to other bank cards, this card charges a low foreign exchange mark-up fee of 2% only. Generally, 3.5% or more is charged as the forex markup fee.

If you are looking for cards that offer good reward points on travel and shopping spends, you can also consider Air India SBI Signature Credit Card, Standard Chartered Emirates World Credit Card, MakeMyTrip ICICI Platinum Credit Card, etc.

Other Benefits

Apart from the above-mentioned benefits, a few of the other benefits offered by this card are as follows:

Dining Benefits: Avail exclusive benefits under HDFC’s Good Food Trail Dining program at premium restaurants across major cities.

Air Accident Cover: HDFC Regalia First Credit Card-holders are eligible for an accident air death cover worth Rs. 50 lakh. Along with that, emergency overseas hospitalization cover of Rs. 10 lakh and credit liability cover worth Rs. 5 lakh can be availed.

Fuel Surcharge Waiver: With this HDFC Credit Card, you can get 1% fuel surcharge waiver at all fuel stations across India. This facility is available on a minimum transaction of Rs. 400 and a maximum transaction of Rs. 5,000.

Also read: HDFC Bank Credit Cards Offering Dining Benefits

The fees and charges associated with this card are mentioned in the table below:

Particulars	Details
Annual Fee	Rs. 1,000 + taxes
Finance Charges	3.75% per month i.e. 45% annually
Late Payment Charges	On outstanding balance of -Up to Rs. 100: Nil Rs. 101 to Rs. 500: Rs. 100 Rs. 501 to Rs. 1,000: Rs. 500 Rs. 1,001 to Rs. 5,000: Rs. 600 Rs. 5,001 to Rs. 10,000: Rs. 750 Rs. 10,001 to Rs. 25,000: Rs. 900 Rs. 25,001 to Rs. 50,000: Rs. 1,100 More than Rs. 50,000: Rs. 1,300

*Click here for the most important terms and conditions related to HDFC Regalia First Credit Card.

The below table represents a comparison between similar credit cards along with their annual fee, reward points program and net savings:

Credit Card	Annual Fee	Reward Points	Net Savings
HDFC Regalia First	Rs. 1,000	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. 2,000 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 on every Rs. 150 spent	Rs. 9,834* Rs. 19,644**

* On spending Rs. 2 lakh annually. ** On spending Rs. 4 lakh annually

Suggested read: Best Credit Cards in India

Why should I choose HDFC Regalia First Credit Card?

The card offers many benefits, such as 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?

HDFC Regalia First Credit Card annual fee is also Rs. 1,000 + taxes. The renewal fee on this card is Rs. 1,000 + taxes. However, you can get it reversed for the next year if you spend more than Rs. 1 lakh in the current year.

How is HDFC Regalia First Credit Card limit decided?

HDFC Regalia First Credit Card limit is decided based on several factors such as:

• The current salary of the applicant/ ITR filed by the self-employed applicant
• The credit limit on existing credit cards
• The credit score of the applicant
• Existing loans and credits with the applicant
• Earning capacity of the applicant in future

How to get HDFC Regalia Card lounge access?

HDFC Regalia Card comes with a Priority Pass Membership. A cardholder can visit a Priority Pass Airport Lounge and use his/ her card to gain access to the lounge. One can avail HDFC Regalia Card lounge access free of cost thrice in a calendar year at more than 1,000 lounges outside India.

How can I check my credit card application status?

You can log on to the official website of HDFC Bank to find this. You will be required to enter the 16-digit application reference number and your date of birth or mobile number to get the details.

How can I change the address on my credit card?

You can send an email 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 from coming to my postal address?

You will have to download the physical statement suppression MID form from the HDFC’s website. Then you will have to sign it and send it to the corresponding address at

HDFC Bank Cards Division,

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 to destroy the chip embedded in the card.

What are the benefits of HDFC Regalia First Credit Card?

The benefits of HDFC Regalia First Credit Card are as follows:

• Priority Pass Membership
• Exclusive Dining Privileges
• Low Foreign Currency Markup Fee of 2%
• 1% Fuel Surcharge Waiver
• Redeem Reward Points for Air Tickets

What is the limit of HDFC Regalia First Credit Card?

HDFC Regalia First Credit Card limit is different for all customers. It depends on several factors such as the current salary of the applicant, the organization he/ she is working in, the address, etc. It is communicated at the time of sourcing to the applicant.

Can I convert HDFC Regalia reward points to cash?

Yes, HDFC Bank provides the facility to convert earned reward points into cash. However, a redemption fee is required to be paid at the time of points conversion.