HDFC Regalia First Credit Card
The HDFC Regalia First Credit Card is a wonderful choice for people who want good travel and retail advantages from their credit card but don't want to pay a high joining and/or yearly fee.
It is a low-fee form of the premium travel credit card HDFC Regalia that provides airport lounge access in India and overseas.
Image Source: HDFC Official website
Highlights of the HDFC Bank Regalia First Credit Card
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HDFC Regalia First credit card rewards |
Four reward points on each Rs. 150 spent on all retail spends. Cashback of up to 5% on travel and shopping purchases. Get exceptional eating benefits through HDFC's Good Food Trail dining program. |
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Annual Charges |
Rs. 1,000 + taxes |
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HDFC Regalia First credit card lounge access list |
Eight complimentary airport lounge visits within India in a year. |
HDFC Regalia First Credit Card Benefits and Characteristics
The followings are the characteristics and perks of this credit card:
Free Airport Lounge Access
- Get a complimentary Priority Pass Membership to gain priority and free access to over 1000 airport lounges worldwide. A Priority Pass membership is also available to the add-on member. Make your trip convenient and stress-free! Please keep in mind that Priority Pass membership is only available upon request.
- Get 4 Reward Points for every Rs. 150 spent on retail purchases. Get 8 Reward Points for every Rs. 150 spent on HDFC Bank regalia online and dining purchases (stand-alone restaurants only).
Travel benefits
Buy Flight Tickets/Hotels with 150+ Airlines and a variety of hotels—both domestic and international - and earn 2X Reward Points.
Concierge Services
As an HDFC Regalia First Credit user, you can use concierge services to schedule dinner reservations, event planning, itineraries, and other reservations. With HDFC's Global Concierge Support, you can now personalize your travel, entertainment, and business experiences. With this credit card, you can immerse yourself in the most luxurious and exotic experiences.
Redeeming reward points
You could simply redeem your reward points in three ways:
- Bookings for travel and entertainment can be made at www.hdfcbankregalia(dot)com.
- Fantastic rewards from a special rewards catalog
- You may also transfer your reward points into Air Miles from major domestic and international airlines.
HDFC Regalia First Credit Card Annual Fee and Charges
The following table details the fees and charges associated with this card-
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Charges Levied |
Amount |
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Interest Rate |
3.6% per month |
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Annual Charges |
Rs. 1,000 + taxes |
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Late Payment Charges |
Less than Rs. 100: NIL Rs. 100 to Rs.500: Rs. 100 Rs. 501 to Rs.5,000: Rs. 500 Rs. 5,001 to Rs.10,000: Rs. 600 Rs. 10,001 to Rs.25,000: Rs. 800 Rs. 25,001 to Rs.50,000: Rs. 1,100 More than Rs. 50,000: Rs. 1,300 |
Eligibility Criteria
The HDFC Bank Regalia First Credit Card has the following eligibility requirements-
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Age |
The principal applicant should be at least 21 years old. |
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Income |
The applicant must earn at least Rs. 30,000 per month. |
Required Documents to Apply
The following documents will be needed in order to apply for the HDFC Regalia First Card-
- Proof of Address: Voter ID Card, Aadhar Card, Utility bills in the name of the person requesting the credit card, Driver's License, and Passport.
- Aadhar Card, Driving License, PAN Card (Form 16 if you don't have a PAN Card), and Voter ID Card are all acceptable forms of identification.
- Pay stubs for the last three months or a bank statement for the last three months are acceptable forms of proof of income. As proof of income, ITR or Form 16 can also be supplied.
How to Apply
The HDFC Bank Regalia Credit card application process is straightforward. You can do it both online and offline, depending on your preferences. To apply for this card online, you must first complete the following steps:
Step 1: Visit HDFC Bank's official website.
Step 2: Click on 'Credit Cards' under the heading 'Borrow.'
Step 3: You will be taken to a page where you can view all of the HDFC Bank Credit Cards.
Step 4: Choose the HDFC Bank Regalia First Credit Card from the Lifestyle Credit Cards section and click on Apply Now.
Step 5: Begin the application process by entering your mobile phone number, validating it, and then completing the online application form.
Similar Cards
The table below compares similar credit cards in terms of annual cost, reward points program, and net savings:
|
Credit Card Name |
Features |
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Spend Rs. 2,000 or more during the first 60 days of issuance to earn 2,000 additional reward points. |
|
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Standard Chartered Manhattan Platinum |
Get 3X reward points on hotel reservations, restaurants, and utility bills, among other things. |
|
Citibank Cash Back |
Get 5% cashback on utility and entertainment bills. |
|
Standard Chartered Super Value Titanium |
Get 5% cashback and one reward point for every Rs. 150 paid on utility bills. |
Other HDFC Bank Credit Cards
