HDFC Bank Regalia First Credit Card

Joining Fee: Rs. 1,000 (plus applicable taxes)
Renewal Fee: Rs. 1,000 (plus applicable taxes)
Best Suited For: Travel | Shopping
Reward Type: Reward Points
Welcome Benefites: 1,000 Reward Points on payment of the annual fee.

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HDFC’s Regalia Credit card range is one of the most sought-after and best credit cards in its lineup. One such offering is the Regalia First Credit Card, which offers various travel benefits and lifestyle privileges. It offers Reward Points on every purchase, whether it is a retail purchase or paying utility bills or rent. Apart from Reward Points, it offers a premium travelling experience, allowing the user to access some of the most luxurious Airport lounges every year across the globe using Priority Pass. Not only this, but you can also avail of exciting dining benefits with the Good Food Trail Program. Bonus rewards of up to 8,500 reward points can be earned every year under the renewal and milestone benefits of the card. Also, the credit card’s annual fee is eligible for a waiver based on your annual spends in the previous year. To know more about this credit card, look at its detailed specifications.

New Features

Spend Based Waiver

Waived off if an amount exceeding Rs. 1 Lakh is spent using this credit card.

Interest Rates

3.6% monthly (or 43.2% annually)

Add-on Card Fee

Nil

Rewards Redemption Fee

Rs. 99

Fuel Surcharge

1% fuel surcharge waiver on all fuel transactions

Foreign Currency Markup

2% on all forex transactions

Cash Advance Charges

2.5% of the amount withdrawn or Rs. 500, higher of the two.

Movie & Dining

Special offers at premium restaurants with the Good Food Trail dining program across top cities.

Travel

Complimentary airport lounge access across the globe, Priority Pass membership, up to 5% cashback on travel spends on Smartbuy

International Lounge Access

3 complimentary visits in a year to international lounges.

Rewards Rate

For every Rs. 150 spent, you will get 4 Reward Points.

Golf

N/A

Insurance Benefits

Air accidental cover amounting to Rs 50 lakh, emergency overseas hospitalization cover worth up to Rs 10 lakh, credit liability cover worth up to Rs 5 lakh

Reward Redemption

1 RP = Re. 0.30 for flight/hotel bookings via SmaryBuy, 1 RP = 0.3 Airmile, 1 RP = Re. 0.25 when redeemed against products and vouchers, 1 RP = Re. 0.15 for redemption against cashback.

Domestic Lounge Access

8 complimentary visits in a year to the domestic lounges.

Zero Liability Protection

No liability against any fraudulent transaction done after the loss or theft of the card is reported to the bank.

Pros

You can avail of the priority pass membership with the HDFC Bank Regalia Credit Card. Earn 5,000 reward points on a spend of Rs. 3 Lakhs or more.

Cons

There is a reward redemption fee of Rs. 99 There are no entertainment benefits with the HDFC Bank Regalia Credit Card.

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