HDFC Regalia First Credit Card
HDFC Bank
Last updated: Feb 03, 2026
₹1,000
₹1,000
2%
No lounge access
Contents
A mid-tier travel & lifestyle credit card from HDFC with reward points and milestone perks.
Features of HDFC Regalia First Credit Card which makes it unique
Smart BUY portal
Earn extra points when using HDFC SmartBUY
Better redemption value
Versus regular spends
Rewards Structure of HDFC Regalia First Credit Card
all retail
baseall merchants
Earn 4 points per ₹150 on all retail spends
Milestones of HDFC Regalia First Credit Card
Annual Bonus 1
₹3,00,000 : 5,000 reward points
Annual Bonus 2
₹6,00,000 : 8,000 reward points
Fees & Charges of HDFC Regalia First Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹500 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Waived on ₹1,00,000 spend in year
Fee Explanation Standard bank fees apply on overdue and cash advance balances.
Detailed Explanation of HDFC Regalia First Credit Card Fees
Cash Advance Fee: 2.5% (transaction)
Minimum ₹500
Annual Fee: ₹1,000 (yearly)
Waived if ₹1,00,000 spend achieved
Lounge Access Benefits with HDFC Regalia First Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
As of Dec 2023, no complimentary lounge access
Insurance Coverage with HDFC Regalia First Credit Card
air accident cover
₹50,00,000If air travel booked via HDFC channels
lost card liability
₹5,00,000Report within 24 hours
Additional Features of HDFC Regalia First Credit Card
Contactless Payments
Tap & pay enabled
Add-on Cards
Up to 3 add-on cards free
Welcome Bonus with HDFC Regalia First Credit Card
Welcome Bonus: 1,000 reward points
Bonus Conditions: Valid after membership fee realized
Application Process for HDFC Regalia First Credit Card
Processing Time
5–7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit HDFC Regalia First card page
Fill application & upload documents
Bank verifies credentials
Card dispatched in 5-7 business days
Required Documents for HDFC Regalia First Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
allAccepted documents:
HDFC Regalia First Credit Card Merchant Acceptance Network
Domestic Acceptance
Widespread in India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Regalia First Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹120,000
Minimum annual income
Self-Employed Applicants
₹1,200,000
Minimum annual income
Who Can Apply
Important Conditions
- Must have valid PAN, Aadhaar, and recent ITR or salary slips.
How Approval Is Decided
- Minimum income as defined
- Credit score ≥ 700
- Indian resident
Pros of HDFC Regalia First Credit Card
- Strong reward structure for all spends
- Milestone bonuses boost value
- Fuel surcharge waiver
Cons of HDFC Regalia First Credit Card
- Lounge access removed (Dec 2023) :contentReference[oaicite:0]{index=0}
- High spend needed to waive annual fee
- Limited bonus categories
Frequently Asked Questions about HDFC Regalia First Credit Card
Is there a joining fee?
Yes, ₹1,000 + taxes (may be waived on eligible spend).
How do I waive the annual fee?
Spend ₹1,00,000 in a year to get waiver for that year.
What is the welcome bonus?
1,000 reward points after first year membership fee realized.
Is lounge access included?
No. Effective December 2023, complimentary lounge access is removed. :contentReference[oaicite:1]{index=1}
What reward rate do I earn?
4 reward points per ₹150 spent on all retail purchases.
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