HDFC 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:

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.
• The maximum reward points that can be earned is 25,000 in a statement cycle.
• 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.

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.

If you want Regalia First HDFC Credit Card apply online with the following documents:

• Address Proof (any one of the following):
  • Aadhaar Card
  • Passport
  • Voter ID
  • Ration Card
• Identity Proof (any one of the following):
  • Aadhaar Card
  • Passport
  • Driving License
• Income Proof: 
  • Salary Slips
  • Form 16
  • Income Tax Returns