HDFC Bank Regalia First Credit Card

The key highlights of the HDFC Bank Regalia First Credit Card are given below:

HDFC Bank Regalia First Credit Card offers the following features and benefits:

Welcome Benefit 

• Get 1,000 reward points as welcome as well as renewal benefit. 
• The benefit is applicable only after the realization of the membership fee. 
• The offer is not applicable when the fee is waived off.

Annual Milestone Benefits 

• 5,000 reward points on annual spends of Rs. 3 Lakhs or more in each anniversary year.
• Additional 2,500 reward points on annual spends of Rs. 6 Lakhs or more in each anniversary year.

Reward Points

• 4 reward points on every Rs. 150 of retail spent including Insurance, Utilities, RentPay, and Education.
• Redeem reward points on https://offers.smartbuy.hdfcbank.com/regalia, an exclusive portal for HDFC Bank Regalia First credit cardholders.
• You can redeem your reward points instantly against airline ticket booking and/or hotel booking.
• Each reward point is worth up to 30 paise when redeemed on https://offers.smartbuy.hdfcbank.com/regalia. 

Cashback

• Up to 5% cashback on travel and shopping spends on SmartBuy.

Complimentary Airport Lounge Access within India

• 8 complimentary airport lounge access within India (at domestic & international terminals) using Visa/ MasterCard Regalia First Credit Card.
• Just swipe your card at the lounge to avail this benefit.
• Visits exceeding the complimentary quota and lounges not covered under the programme will be allowed at the discretion of the lounge and will be chargeable.
• Visa customers will be charged a transaction fee of Rs. 2 on Visa Regalia First Credit Card for complimentary lounge access.
• Mastercard customers will be charged Rs. 25 for authorisation purpose but it will get reversed 

Complimentary Airport Lounge Access within India

• You can apply for a Priority Pass for self and add-on members after completing a minimum of 4 retail transactions on your card. 
• Using Priority Pass, primary cardholders and add-on members can together avail up to 3 complimentary lounge visits outside India per calendar year. 
• On exceeding 3 complimentary visits, US $27 + GST will be charged per visit. 

Fuel Surcharge Waiver

• 1% fuel surcharge waiver across all fuel stations in India. 
• Offer valid for transactions between Rs. 400 and Rs. 5,000.
• No reward points are earned on fuel transactions.

Dining Benefit

• Good Food Trail dining program at premium restaurants across top cities.

Comprehensive Protection

• Accidental air death cover worth Rs. 50 Lakhs.
• Emergency overseas hospitalization up to Rs. 10 Lakhs in case of emergency.
• Lost card liability cover up to Rs. 5 Lakhs.

Renewal Fee Waiver

• Get the renewal membership fee of Rs. 1,000 waived off. 
• To avail of this benefit you have to spend Rs. 1 Lakh and above in 12 months.

Joining & Annual Fees

• Joining membership fee: Rs. 1,000 + applicable taxes.
• Renewal membership fee: Rs. 1,000 + applicable taxes. The renewal fee is waived on spending Rs. 1 Lakh and above in 12 months.

With HDFC Bank Regalia First Credit Card, you will earn 4 reward points on spending every Rs. 150 on retail (including Insurance, Utilities, RentPay, and Education).

You can redeem your accumulated reward points on https://offers.smartbuy.hdfcbank.com/regalia, an exclusive portal for HDFC Bank Regalia First credit cardholders, against airline ticket and/or hotel bookings.

• Flights & hotel bookings through Smartbuy at a value of 1 RP = Rs. 0.30.
• Airmiles conversion via netbanking at a value of 1RP = 0.3 airmile.
• Products & vouchers via Netbanking/ SmartBuy at a value of 1 RP = Up to Rs. 0.25
• Cashback at a value of 1 RP = Rs. 0.15.
• For flight & hotel bookings Regalia First Credit Card members can redeem up to 70% of booking value through reward points. Rest will have to be paid via the card.

The HDFC Bank Regalia First Credit Card fees and charges are mentioned below in detail:

• Joining fee: Rs. 1,000 + applicable taxes.
• Annual fee: Rs. 1,000 + applicable taxes. 
• Foreign currency markup: 2% of the transaction value.
• Cash advance fee: 2.5% or Rs. 500, whichever is higher. 
• Cash processing fee: Rs. 100 will be charged for all card payments in HDFC Bank branches or ATMs.
• Overlimit penalty: 2.5% of the over-limit amount (minimum Rs. 550).
• Railway ticket purchase fee: 1% of the transaction amount + GST. Charges will be reversed after the transaction. 
• Payment return charges: 2% of the payment amount (minimum Rs. 450).
• Rewards redemption fee: Rs. 99 per redemption request.
• Balance transfer processing charges: 1% of the transfer amount or Rs. 250, whichever is higher. 
• Finance charges for revolving credit & cash advances: 3.60% p.m. (43.20% p.a.).
• Insta Loan & Jumbo Loan processing fee: Rs. 999 + GST.
• Smart EMI processing fee: Rs. 499 + GST
• Duplicate physical statement charges: Rs. 10 per duplicate physical statement.
• Pre-closure charges for Insta Loan, Jumbo Loan & Smart EMI: 3% of the principal outstanding.
• Reissuance of lost, stolen or damaged card: Rs. 100 
• Rent pay transaction fee: 1% fee of transaction amount. 
• Card validation charges: Rs. 2.
• Outstation cheque processing charge: Rs. 25 for cheque value up to Rs. 5,000 & Rs. 50 for above Rs. 5,000.
• Dynamic currency conversion markup fee: 1%.

Below are the HDFC Bank Regalia First Credit Card eligibility criteria:

For Salaried Indian National

• Age: Minimum 21 years and maximum 60 years.
• Net Monthly Income: More than Rs. 1,00,000.

For Self-employed Indian National

• Age: Minimum 21 years and maximum 65 years.
• Income: Income Tax Returns (ITR) of more than Rs. 12 Lakhs per annum.

You can apply for HDFC Bank Regalia First Credit Card online through the official website of the bank or at our portal by following the steps given below:

• Check your eligibility for the HDFC Bank Regalia First Credit Card.
• Go to the credit cards section and select your preferred card.
• Enter the required details.
• Upload your documents as required for completing the application.