HDFC Bank Regalia First Credit Card, Rewards and Benefits, Joining Fees & amp; Charges, Apply Online

HDFC Bank Regalia First Credit Card: Among HDFC impressive array of credit card offerings, the Regalia Credit Card range stands out as a coveted choice for discerning consumers. Among these, the Regalia First Credit Card emerges as a standout option, providing an array of travel perks and lifestyle privileges. This card stands out for its versatile rewards program, offering points on every purchase, whether it’s retail shopping, utility bill payments, or rent.

Moreover, cardholders can relish in enticing dining benefits through the Good Food Trail Program, adding a flavorful dimension to their experiences. The card’s renewal and milestone benefits sweeten the deal further, with the potential to earn up to 8,500 reward points annually.

Furthermore, the Regalia First Credit Card offers the possibility of having its annual fee waived if cardholders’ expenditures surpass Rs. 1 lakh within a card anniversary year. These features collectively make it a compelling choice for those seeking a blend of convenience, rewards, and lifestyle perks.

For those intrigued by the Regalia First Credit Card, a closer look at its detailed specifications will illuminate its value proposition and potential benefits.

Fees	Joining Fee-  Rs.  1,000 + GST Renewal Fee- Rs.  1,000 + GST
Best Suited For	Shopping
Reward Type	Reward Points
Welcome Benefits	1,000 Reward Points on payment of the annual fee.

Rewards and Benefits

• Movie & Dining- Indulge in a cinematic and culinary journey with the enticing offerings of the Regalia First Credit Card. Elevate your dining experiences with exclusive privileges at premium restaurants through the esteemed Good Food Trail dining program, available in leading cities.
• Rewards Rate- Unlock a world of rewards with every spend, where for every Rs. 150 expended, earn a generous 4 Reward Points. The redemption possibilities are equally enticing: convert 1 Reward Point to Re. 0.30 for flight or hotel bookings via SmaryBuy, or 0.3 Airmile, or Re. 0.25 when redeemed against an array of products and vouchers. Alternatively, opt for a cashback and redeem 1 Reward Point for Re. 0.15.
• Insurance Benefits- While your adventures may not involve travel perks, rest assured, the Regalia First Credit Card extends its protective embrace with a suite of insurance benefits. Enjoy air accidental coverage up to Rs. 50 lakh, emergency overseas hospitalization cover of up to Rs. 10 lakh, and credit liability cover of up to Rs. 5 lakh.
• Travel- N/A
• Golf- N/A
• Domestic Lounge Access- N/A
• International Lounge Access- N/A
• Moreover, bid farewell to worries about fraudulent transactions with Zero Liability Protection. In the unfortunate event of card loss or theft, report it to the bank promptly and be absolved of any liability for unauthorized transactions.

With its blend of culinary delights, rewards, and protective features, the Regalia First Credit Card promises a journey of sophistication and peace of mind.

Fees & Charges

Discover the unparalleled benefits of the HDFC Bank Bharat Credit Card, offering a range of advantages tailored to elevate your financial experience.

• Spend Based Waiver- With the Spend Based Waiver feature, enjoy the convenience of having your annual fee waived off upon spending an amount exceeding Rs. 1 Lakh using this credit card. This incentivizes regular usage and rewards your spending habits.
• Rewards Redemption Fee- Furthermore, the Rewards Redemption Fee is a nominal Rs. 99, providing you with the flexibility to redeem your rewards without any hassle. This ensures that you can maximize the value of your accumulated rewards without any additional charges.
• Foreign Currency Markup- When it comes to foreign currency transactions, the HDFC Bank Bharat Credit Card imposes a modest 2% markup on all forex transactions. This allows you to indulge in international spending without worrying about excessive fees.
• Interest Rates- Stay in control of your finances with competitive interest rates of 3.6% monthly or 43.2% annually. This ensures transparency and predictability in managing your credit card expenses.
• Fuel Surcharge- Enjoy the convenience of a 1% fuel surcharge waiver on all fuel transactions, helping you save on your refueling expenses with every purchase.
• Cash Advance Charges- In the event of cash advances, the HDFC Bank Bharat Credit Card imposes a nominal charge of 2.5% of the amount withdrawn or Rs. 500, whichever is higher. This ensures that you have access to emergency funds whenever you need them, with reasonable charges.
• Add-on Card Fee- Moreover, benefit from the flexibility of an Add-on Card without any additional fee, allowing you to extend the benefits of your credit card to your loved ones seamlessly.

In conclusion, the HDFC Bank Bharat Credit Card offers a comprehensive suite of features and benefits designed to enhance your financial journey. Experience unmatched convenience, savings, and rewards with this exceptional credit card offering.

Product Details

• Embark on a rewarding journey with the HDFC Bank Bharat Credit Card, offering an array of enticing benefits designed to elevate your credit card experience.
• As a warm welcome, enjoy 1,000 Reward Points as a welcome bonus upon acquiring the HDFC Bank Bharat Credit Card. This gesture sets the tone for a rewarding relationship with your new credit card.
• For every Rs. 150 spent on retail purchases, delight in earning 4 Reward Points, allowing you to accumulate points swiftly and unlock exciting rewards with every transaction.
• Experience peace of mind with air accident insurance worth Rs. 50 lakhs, providing financial security in unforeseen circumstances. Additionally, benefit from credit liability cover worth up to Rs. 5 lakhs, ensuring protection against potential liabilities.
• Maximize your savings with a 1% fuel surcharge waiver on all fuel transactions, making every trip to the pump more cost-effective and rewarding.
• Upon payment of the renewal fee, receive an additional 1,000 bonus reward points, further enhancing the value proposition of the HDFC Bank Bharat Credit Card. This bonus serves as a token of appreciation for your continued patronage and loyalty.
• In conclusion, the HDFC Bank Bharat Credit Card offers a wealth of benefits, from welcome bonuses to reward points, insurance coverage, and fuel surcharge waivers. Elevate your credit card experience and unlock a world of rewards and savings with this exceptional offering.

HDFC Bank Regalia First Credit Card Features & Benefits

The HDFC Regalia First Credit Card stands out as one of HDFC Bank’s premier basic credit cards, offering a host of exciting advantages to its users. From welcome perks to reward schemes and travel privileges, this card is designed to enhance customer experiences and make them more rewarding. Let’s delve into the detailed features and benefits of the HDFC Regalia First Credit Card:

Welcome Perks:

Upon successful realization of the joining fee for the HDFC Regalia First Card, HDFC Bank rewards you with a welcome bonus of 1,000 Reward Points. This serves as a token of appreciation for choosing the HDFC Regalia First Credit Card as your preferred financial companion.

Milestone Benefits:

For those who enjoy unlocking rewards through their spending, the HDFC Regalia First Credit Card offers enticing milestone benefits. Users can earn 5,000 Reward Points upon reaching an annual spend milestone of Rs. 3,00,000 or more every anniversary year. Additionally, an extra 2,500 Reward Points are granted for annual spends of Rs. 6,00,000 or more, further sweetening the deal for loyal cardholders.

Dining Privileges:

Indulge your taste buds and explore culinary delights with the exclusive Dining Benefits offered by the HDFC Regalia First Credit Card. Cardholders have the opportunity to partake in The Good Food Trail program, gaining access to top restaurants in major cities and enjoying special offers and experiences.

Insurance Coverage:

For added peace of mind, the HDFC Regalia First Credit Card provides complimentary insurance benefits to its users. These include a range of coverage options designed to safeguard cardholders against unforeseen circumstances and emergencies.

In conclusion, the HDFC Regalia First Credit Card is not just a basic credit card; it’s a gateway to a world of perks, rewards, and privileges. Whether you’re dining out, hitting spending milestones, or seeking insurance coverage, this card has you covered, ensuring that every experience is truly rewarding.

Category	Insurance Coverage
Accidental air death	Rs. 50 lakhs
Medical emergency cover	Up to Rs. 10 lakhs
Credit Liability	Rs. 5 lakhs

Renewal Benefits

Experience the multitude of renewal benefits that come with the HDFC Regalia First Card, enriching your credit card journey with rewards and savings.

Upon payment of the renewal fee for your credit card, you’ll unlock an additional 1,000 reward points as a renewal bonus, showcasing HDFC Bank’s appreciation for your continued loyalty and patronage. It’s a token of gratitude for choosing to renew your association with the HDFC Regalia First Card.

However, it’s important to note that if the renewal fee is waived, you won’t be eligible for the annual bonus, ensuring transparency and fairness in the renewal process.

Fuel Surcharge Waiver

Enjoy the added perk of a fuel surcharge waiver, with a generous 1% waiver on all fuel transactions falling between Rs. 400 and Rs. 5,000 at fuel stations across India. This waiver, capped at Rs. 500 per billing cycle, ensures savings on your fuel expenses with every fill-up.

Spend Based Renewal Fee Waiver

Furthermore, benefit from a Spend Based Renewal Fee Waiver, where if your spending exceeds Rs. 1 Lakh using your credit card in the anniversary year, the renewal fee of Rs. 1,000 will be waived off. This incentivizes regular usage and rewards responsible spending habits.

Zero Liability Protection

Rest assured with Zero Liability Protection provided by HDFC Bank, offering peace of mind in the event of a lost or stolen card. With this protection in place, you’re not held liable for any fraudulent transactions made on your lost or stolen card once you’ve reported it to the bank. This ensures your financial security and protects you from unauthorized charges.

In conclusion, the HDFC Regalia First Card not only offers a plethora of renewal benefits but also prioritizes your security and convenience, making it the ideal choice for discerning cardholders seeking a rewarding credit card experience.

HDFC Regalia First Credit Card Reward Points:

Unlock a world of rewards and savings with the HDFC Regalia First Card, offering unmatched benefits on all your retail spends, excluding fuel transactions.

• Earn 4 Reward Points for every Rs. 150 spent on retail purchases, covering a wide range of categories including insurance transactions, utility bills, education, and rent bills. This generous rewards program ensures that every rupee spent contributes to your points accumulation, bringing you closer to exciting rewards and perks.
• Redeem your reward points seamlessly against hotel bookings or air ticket bookings on HDFC’s exclusive Smartbuy portal. Additionally, leverage the Smartbuy portal to earn 5% cashback on travel and shopping spends, maximizing your savings and enhancing your travel experiences.
• When it comes to reward points redemption, HDFC Bank offers a diverse array of options to suit your preferences. Choose from gifts and vouchers available in HDFC’s exclusive Rewards Redemption Catalogue, allowing you to indulge in a variety of rewards tailored to your interests.
• The redemption rates for reward points vary depending on the chosen redemption option:
• For flights and hotel bookings via Smartbuy, 1 Reward Point is equivalent to Rs. 0.30, providing excellent value for your points.
• Convert your reward points into airmiles through net banking at a rate of 1 Reward Point equals 0.30 Airmiles, allowing you to fuel your wanderlust and explore new destinations.
• Redeem your reward points for products and vouchers via Netbanking or SmartBuy at a rate of 1 Reward Point equals up to Rs. 0.25, offering flexibility and choice in your redemption options.
• Alternatively, opt for cashback by adjusting your reward points against the card’s statement balance, with 1 Reward Point equal to Rs. 0.15 in this case, providing instant savings and reducing your outstanding balance.
• Cardholders can redeem a maximum of up to 70% of the booking value on flights and hotel bookings through Smartbuy, with the remaining amount payable using the credit card. This ensures flexibility and convenience in your travel bookings, allowing you to make the most of your reward points.

In conclusion, the HDFC Regalia First Card offers a wealth of rewards and redemption options, empowering you to tailor your credit card experience to suit your preferences and lifestyle. Experience the convenience, savings, and flexibility of the HDFC Regalia First Card and unlock a world of possibilities today.

HDFC Regalia First Credit Card Fees and Charges

Understanding the terms, conditions, features, and charges associated with a credit card is crucial before applying for it. Let’s explore the important fees and charges of the HDFC Regalia First Credit Card:

Annual Fee:
The HDFC Bank Regalia Credit Card comes with an annual fee of Rs. 1,000, ensuring access to its myriad benefits and privileges.

Interest Rate:
Cardholders are subject to an interest rate of 3.6% per month on the overdue amount, translating to an annual rate of 43.2%. It’s essential to manage payments promptly to avoid accruing interest charges.

Foreign Currency Markup Fee:
For transactions made in a different currency using the HDFC Regalia First Card, a foreign currency markup fee of 2% of the transaction amount is applicable, ensuring seamless international transactions.

Cash Advance Fee:
In case of cash withdrawals using the Regalia First Credit Card, a fee of 2.5% of the transaction amount, subject to a minimum of Rs. 600, is charged. It’s advisable to use this feature sparingly due to associated charges.

Eligibility Criteria:
To be eligible for the HDFC Bank Regalia First Credit Card, the primary applicant must be at least 21 years old, earn a minimum monthly income of Rs. 30,000, and possess a decent credit score.

Documents Required:
To apply for the HDFC Regalia First Card, ensure you have the following documents ready:

– PAN Card
– Proof of Identity (Aadhaar Card, Driving License, or Voter ID Card)
– Proof of Income (Salary slips, bank statements, ITR, or Form 16)

Application Process:
Applying for the HDFC Bank Regalia First Credit Card is convenient and can be done online or offline. Online applicants can follow simple steps on HDFC Bank’s official website, while those preferring offline mode can visit the nearest HDFC Bank branch.

Application Status:
Track the status of your HDFC Regalia First Credit Card application easily via HDFC Bank’s application tracking page. Enter your mobile number, application number, and captcha to view your application status instantly.

Activation and PIN Generation:
Activate your HDFC Regalia First Credit Card and generate its PIN conveniently through methods such as visiting an HDFC Bank ATM or using internet banking.

Credit Limit:
Typically, HDFC Regalia First Credit Cardholders are assigned a credit limit of Rs. 1 lakh or higher, subject to individual creditworthiness and payment behavior. Request a credit limit increase if needed through customer care or branch visit.

Bill Payment:
Enjoy multiple options for HDFC Regalia First Credit Card bill payment, including HDFC Bank bill desk, internet banking, NEFT, digital wallet-based apps, ATM payments, or branch visits.

Internet Banking/Login:
Register your HDFC Regalia First Credit Card for internet banking to access various services conveniently. Follow simple steps on HDFC Bank’s official website to register and manage your card online.

Blocking the Card:
In case of loss or theft, block your HDFC Regalia First Credit Card promptly through options such as internet banking, customer care, or branch visit, ensuring security and peace of mind.

Customer Care:
For any assistance related to your HDFC Regalia First Credit Card, contact customer care via call or email, available 24*7 for support.

Similar Cards:
Explore other HDFC Bank cards similar to the Regalia First Credit Card, tailored to suit various preferences and needs.

In conclusion, the HDFC Regalia First Credit Card offers a plethora of benefits, features, and services, ensuring a seamless and rewarding credit card experience for cardholders.

Benefits	HDFC Regalia First Credit Card	HDFC Regalia Credit Card	HDFC Millennia Credit Card
Annual Fee	Rs. 1,000	Rs. 2,500	Rs. 1,000
Rewards Rate	4 Reward Points on every spend of Rs. 150	4 Reward Points on every spend of Rs. 150	1% cashback on all spends.  5% cashback on online spends at selected brands.
Reward Redemption	1 RP = Re. 0.15 for redemption against cashback  1 RP = Re. 0.25 for redemption against products and gift vouchers 1 RP = Re. 0.30 for redemption against flight/hotel bookings	1 RP = Re. 0.20 for redemption against cashback  1 RP = Re. 0.35 for redemption against products and gift vouchers 1 RP = Re. 0.50 for redemption against flight/hotel bookings	1 Cash Point = Re. 1.
Additional Benefits	Up to 7,500 bonus Reward Points every year on achieving the spend milestone.	Complimentary domestic and international lounge access every year.  Up to 15,000 bonus Reward Points every year on achieving the spend milestone. Complimentary dine-out passport membership.	N/A

HDFC Regalia First Credit Card Review

The HDFC Bank Regalia First Credit Card stands out for its commitment to providing lifestyle privileges that enhance the overall cardholder experience. From exclusive dining offers to Reward Points for various expenditures, this card offers a range of benefits designed to cater to diverse needs.

In addition to the aforementioned privileges, the HDFC Bank Regalia First Credit Card also extends other valuable benefits such as fuel surcharge waivers, comprehensive insurance coverage, and enticing cashback rewards. These additional perks add significant value to the card, making it a top choice for discerning customers.

One of the standout features of this card is the 7,500 bonus reward points offered as part of milestone and renewal benefits. These bonus points serve as a major attraction for cardholders, providing added incentives for those who enjoy traveling and seek elevated privileges to enhance their journeys.

For individuals who relish exploring different destinations and desire enhanced privileges to make their travels more luxurious, the HDFC Bank Regalia First Credit Card presents an appealing option. With its array of lifestyle benefits and rewarding features, this card is well-suited for those seeking a premium credit card experience.