- Joining fee
Rs. 1,000 + GST
- Annual fee
Rs. 1,000 + GST
- Best suited for
Travel, Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
3 Reward Points/₹200 Spent
- Welcome benefits
1,000 Reward Points on payment of the annual fee.
- Reward redemption
1 RP Can Be Redeemed at a Value of ₹0.30 on SmartBuy Travel Bookings, 0.30 Airmiles on Airline Transfers, ₹0.25 on Products & Vouchers, and ₹0.10 Against Cashback.
Benefits
- Movie & dining
Special offers at premium restaurants with the Good Food Trail dining program across top cities.
- Insurance
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
Fees & charges
- Spend-based waiver
Annual Fee Waiver on Spends of ₹1 Lakh
- Rewards redemption fee
₹99 + GST
- Foreign currency markup
3.5%
- Interest rates
3.75% Monthly (or 45% Annually)
- Fuel surcharge waiver
1% fuel surcharge waiver on all fuel transactions
- Cash advance charges
2.5% of the amount withdrawn or Rs. 500, higher of the two.
Product highlights
- 1,000 Reward Points as a welcome bonus.
- For every ₹200 spent on retail purchases, you will get 3 Reward Points.
- Air accident insurance worth ₹50 lakhs.
- Credit liability cover worth up to ₹5 lakhs.
- 1% fuel surcharge waiver on fuel transactions.
- On payment of the renewal fee, you will get 1,000 bonus reward points.
Pros & cons
Pros
- 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.
FAQs
Will I have to pay the Renewal Fee every year?
Yes, we have to pay the renewal fee every year. It gets waived off in case your Annual Spend is Rs 1 Lakh or above.
What are the maximum reward points that can be earned under Milestone Benefits?
You can earn up to 7,500 Bonus Reward Points in a year as a milestone benefit.
How much cashback can I avail at HDFC’s Smartbuy Portal?
You can avail a cashback of 5% on travel and shopping spends.
What is HDFC Regalia First Reward Points' value?
The value of 1 Reward Point that you earn using your Regalia First Credit card is Re. 0.25.
What are the cash withdrawal charges on the HDFC Regalia First Credit card?
The cash withdrawal charges on this card are 2.5% of the withdrawn amount subject to a minimum of Rs. 500.
What are the international transaction charges on the HDFC Regalia First Credit Card?
The international transaction charges on this credit card are 3.5% of the transaction amount.