HDFC Bank Regalia First Credit Card: Features & Apply

Table of Contents

Summary

HDFC Bank Regalia First Credit Card is the ultimate blend of luxury, rewards, and smart spending. Created specifically for professionals and lifestyle enthusiasts, this credit card offers you the whole gamut of premium benefits at a comparatively low annual fee.

On this card, you earn 4 reward points for every ₹150 of retail spends that can be redeemed subsequently for flights, hotels, gift vouchers, or cashback on HDFC SmartBuy website. Free domestic airport lounge visit—up to 8 visits a year (2 in a quarter) is one of the most attractive facilities.

If you spend ₹1,00,000 or more in a year, your ₹1,000 annual renewal fee is waived, making the card virtually free to heavy users. The card also provides special dining offers, fuel surcharge waivers, and travel insurance benefits—air accident and medical emergency insurance—and value at every swipe.

Introduction

In today’s world, carrying a credit card is not everything about payment; it’s everything about enjoying high-end benefits, rewards, and financial freedom. If you are one such person who is looking for a high-end lifestyle credit card but with a fairly high annual fee, then the HDFC Bank Regalia First Credit Card is your ideal choice. The card is particularly tailored for individuals looking for luxury along with convenience.

The Regalia First Credit Card offers myriad benefits like reward points on every purchase, airport lounge access, restaurant savings, travel benefits, and many more. If you’re an online shopper, travel domestic or international, or a gourmet foodie who relishes fine dining, this card enhances your lifestyle.It also has insurance cover and fuel surcharge waiver, so it’s the clever value card for the smart spenders.

One of the highlights of the Regalia First Credit Card is the reward points scheme. You collect points on nearly all your purchases, which you can then exchange for flights, hotel reservations, gift vouchers, and merchandise. This rewards your spending at work. It also gives you free domestic airport lounge access, which is great for business or holiday travelers.

The Regalia First card’s joining fee and annual fees are also reasonably priced compared to other premium cards. And, if you meet a minimum amount of spending every year, the annual fee can be exempt. So, it’s a great way to have premium benefits without paying too much.

What is the HDFC Bank Regalia First Credit Card?

The HDFC Bank Regalia First Credit Card is a high-end lifestyle credit card provided by HDFC Bank. The card is meant for individuals who desire added advantages in addition to their usual spending. You may earn reward points with this card whenever you dine, shop, or travel. The reward points can be redeemed subsequently to book flights, hotels, or receive shopping vouchers.

This credit card also gives you free access to airport lounges in India, which is perfect for people who are frequent flyers. It provides dining discounts, fuel surcharge waiver, and even travel insurance cover. The card has a rational annual fee, and if you spend a minimum amount in a year, the fee is waived.

What is the design of the HDFC Bank Regalia First Credit Card?

The HDFC Bank Regalia First Credit Card has a sophisticated and elegant look that is fitting for its high class. The card typically comes with a dark color background, typically black or dark brown, which symbolizes luxury and sophistication. The card prominently features the “Regalia First” logo, as well as the HDFC Bank logo, to allow for brand recognition.Depending upon the variant, it may be marked with Visa or MasterCard logo.

There is also a contactless payment icon on the card to signify that the card supports tap-and-pay for convenient and secure payment. Overall, the appearance of the card is fresh but classical, and individuals who want functionality with some class in their money devices love it.

What are the benefits of the HDFC Bank Regalia First Credit Card?

Reward Points

Point Earning: Get 4 Reward Points for every ₹150 spent on retail such as insurance, utility bills, education, and rent.

Redemption Features:

Flights & Hotels: Use for hotel and air reservations with HDFC SmartBuy at 1 RP = ₹0.30.

Airmiles Conversion: Convert airmiles to points using net banking at 1 RP = 0.3 airmile.

Products & Vouchers: Redeem vouchers and products at NetBanking or SmartBuy at the best value of 1 RP = ₹0.25.

Cashback: Cashback reward points for 1 RP = ₹0.15.

Travel Benefits

Airport Lounge Access: Earn 8 free domestic airport lounge accesses in a year (2 each quarter), so your travel is hassle-free.

Dining Privileges

Dining Discounts: Relish special dining privileges with the Good Food Trail program at selected restaurants.

Insurance Coverage

Air Accident Cover: Get cover of up to ₹50 lakhs on accidental air death.

Medical Emergency Cover: Get up to ₹10 lakhs on medical emergencies.

Credit Liability Cover: Get up to ₹5 lakhs on fraudulent transactions.

Fuel Surcharge Waiver

Savings on Fuel: Get a 1% fuel surcharge waiver on spends of ₹400 to ₹5,000 at all fuel stations in India with a maximum of ₹500 per bill cycle.

What are the fees for the HDFC Bank Regalia First Credit Card?

Here is a simple HDFC Regalia First Credit Card fee breakup.

Joining Fee	₹1,000 plus GST
Annual Fee	₹1,000 plus GST
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.49% per month (41.88% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Bank Regalia First Credit Card?

1. Age Requirement:

You should be between 18 to 65 years of age.

2. Income Requirement:

Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have a valid address proof.

What documents are required to get an HDFC Bank Regalia First Credit Card?

The documents that you will have to submit to Get an HDFC Regalia First Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Bank Regalia First Credit Card be used?

Here is the list of places where you can use it:

With the HDFC Regalia First Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your HDFC Bank Regalia First Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The HDFC Bank Regalia First Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC Bank Regalia First Credit Card?

The credit limit of the HDFC Regalia First Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.

How do you apply for an HDFC Bank Regalia First Credit Card?

Apply it through both these modes:

Online Application Process

Visit the official website of HDFC Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC Bank Regalia First Credit Card.

Just hover your cursor on the HDFC Bank Regalia First Credit Card, followed by selecting ‘Apply Now‘ from there.

You will be asked to fill out your details, including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after you submit it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

You can walk into the nearest HDFC Bank branch to apply for the HDFC Regalia First Credit Card.

Request for the credit card application form for the HDFC Bank Regalia First Credit Card. They will provide you with the form and proceed accordingly.

Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the HDFC Bank Regalia First Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app or by calling customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Bank Regalia First Credit Card in 2025 be right?

Yes, the HDFC Regalia First Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.

If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempted if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.

Conclusion

The HDFC Bank Regalia First Credit Card is not your ordinary credit card — it’s the ultimate fusion of luxury, affordability, and smart spending. If you are someone who travels regularly, eats at upscale restaurants, or just wants to get the most out of your daily spending, this card offers real rewards and useful advantages that are well worth having in your handbag.

From earning 4 reward points for every ₹150 spent on buying stuff to getting lounge access free of cost at domestic airports, the Credit card gives various kinds of privileges to various consumers. You can redeem these reward points for booking flights, stays in hotels, shopping vouchers, and even cashback. Thus, every rupee you spend becomes that much more useful to you.

The travel privileges such as free insurance coverage and lounge access can also make your travels more convenient and safe. Along with that, the fuel surcharge waiver and restaurant discounts assist you in saving on daily expenses as well. And, to add to that, the renewal fee is waived if you spend ₹1 lakh or more within a year, which means that if you use the card a lot, you might not have to pay any annual fees at all.