HDFC Bank Regalia First Credit Card

7.8

Expert ScoreRead review

Fees

Joining Fee

Rs. 1,000 (plus applicable taxes)

Renewal Fee

Rs. 1,000 (plus applicable taxes)

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

1,000 Reward Points on payment of the annual fee.

1,000 Reward Points as a welcome bonus.
For every Rs. 150 spent on retail purchases, you will get 4 Reward Points.
Complimentary airport lounge access worldwide with complimentary Priority Pass membership.
Air accident insurance worth Rs 50 lakhs.
Credit Liability cover worth up to Rs 5 lakhs.
1% fuel surcharge waiver on fuel transactions.
On payment of the renewal fee, you will get 1,000 bonus reward points.

HDFC BANK

Category: Credit Cards Tag: Travel

Reward Type

Reward Points

Renewal Fee

Rs. 1,000 (plus applicable taxes)

Joining Fee

Rs. 1,000 (plus applicable taxes)

Type of Card

Shopping

Welcome Benefits

1,000 Reward Points on payment of the annual fee.

USP of Card

Fees

Joining Fee

Rs. 1,000 (plus applicable taxes)

Renewal Fee

Rs. 1,000 (plus applicable taxes)

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

1,000 Reward Points on payment of the annual fee.

1,000 Reward Points as a welcome bonus.
For every Rs. 150 spent on retail purchases, you will get 4 Reward Points.
Complimentary airport lounge access worldwide with complimentary Priority Pass membership.
Air accident insurance worth Rs 50 lakhs.
Credit Liability cover worth up to Rs 5 lakhs.
1% fuel surcharge waiver on fuel transactions.
On payment of the renewal fee, you will get 1,000 bonus reward points.

Fees & Charges

Spend Based Waiver

Waived off if an amount exceeding Rs. 1 Lakh is spent using this credit card.

Interest Rates

3.6% per month (or 43.2% annually)

Cash Advance Charges

2% on all forex transactions

Rewards Redemption Fee

Rs. 99 per redemption request

Fuel Surcharge

1% fuel surcharge waiver on all fuel transactions

Foreign Currency Markup

2.5% of the amount withdrawn or Rs. 500, higher of the two

Late Payment Fee

Add-on Card Fee

Nil

Rewards & Benifit

Movie & Dining offers

Special offers at premium restaurants with the Good Food Trail dining program across top cities.

Reward Redemption

1 RP = Re. 0.30 for flight/hotel bookings via SmaryBuy, 1 RP = 0.3 Airmile, 1 RP = Re. 0.25 when redeemed against products and vouchers, 1 RP = Re. 0.15 for redemption against cashback.

Zero Liability Protection

No liability against any fraudulent transaction done after the loss or theft of the card is reported to the bank.

Rewards Rate

For every Rs. 150 spent, you will get 4 Reward Points.

Travel

Complimentary airport lounge access across the globe, Priority Pass membership, up to 5% cashback on travel spends on Smartbuy

Online Shopping offers

HDFC Regalia First Card allows you to earn 4 Reward Points on spending Rs 150 on all retail spends which includes Insurance Transactions, Utility bills, Education, and Rent Bills.

Insurance Benefits

Air accidental cover amounting to Rs 50 lakh, emergency overseas hospitalization cover worth up to Rs 10 lakh, credit liability cover worth up to Rs 5 lakh

Domestic Lounge Access

8 complimentary visits in a year to the domestic lounges.

International Lounge Access

3 complimentary visits in a year to international lounges.

7.8Expert Score

Fees

Joining Fee

Rs. 1,000 (plus applicable taxes)

Renewal Fee

Rs. 1,000 (plus applicable taxes)

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

1,000 Reward Points on payment of the annual fee.

1,000 Reward Points as a welcome bonus.
For every Rs. 150 spent on retail purchases, you will get 4 Reward Points.
Complimentary airport lounge access worldwide with complimentary Priority Pass membership.
Air accident insurance worth Rs 50 lakhs.
Credit Liability cover worth up to Rs 5 lakhs.
1% fuel surcharge waiver on fuel transactions.
On payment of the renewal fee, you will get 1,000 bonus reward points.

Best values score

7.8

7.8Expert Score

Fees

Joining Fee

Rs. 1,000 (plus applicable taxes)

Renewal Fee

Rs. 1,000 (plus applicable taxes)

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

1,000 Reward Points on payment of the annual fee.

1,000 Reward Points as a welcome bonus.
For every Rs. 150 spent on retail purchases, you will get 4 Reward Points.
Complimentary airport lounge access worldwide with complimentary Priority Pass membership.
Air accident insurance worth Rs 50 lakhs.
Credit Liability cover worth up to Rs 5 lakhs.
1% fuel surcharge waiver on fuel transactions.
On payment of the renewal fee, you will get 1,000 bonus reward points.

Best values score

7.8

Specification: HDFC Bank Regalia First Credit Card

Bank Name	HDFC Bank
Type of Credit Card	Shopping
Joining Fees	Rs. 1,000 (plus applicable taxes)
Renewal fees	Rs. 1,000 (plus applicable taxes)
Reward Type	Reward Points
Welcome Benifits	1,000 Reward Points on payment of the annual fee.
Movie & Dining Offers	Special offers at premium restaurants with the Good Food Trail dining program across top cities.
Travel Offers	Complimentary airport lounge access across the globe, Priority Pass membership, up to 5% cashback on travel spends on Smartbuy
online shopping offers	HDFC Regalia First Card allows you to earn 4 Reward Points on spending Rs 150 on all retail spends which includes Insurance Transactions, Utility bills, Education, and Rent Bills.
Reward redemption	1 RP = Re. 0.30 for flight/hotel bookings via SmaryBuy, 1 RP = 0.3 Airmile, 1 RP = Re. 0.25 when redeemed against products and vouchers, 1 RP = Re. 0.15 for redemption against cashback.
Reward Rate	For every Rs. 150 spent, you will get 4 Reward Points.
Domestic Lounge Access	8 complimentary visits in a year to the domestic lounges.
International lounge access	3 complimentary visits in a year to international lounges.
Insurance Benifits	Air accidental cover amounting to Rs 50 lakh, emergency overseas hospitalization cover worth up to Rs 10 lakh, credit liability cover worth up to Rs 5 lakh
Zero liability protection	No liability against any fraudulent transaction done after the loss or theft of the card is reported to the bank.
Spend based waiver	Waived off if an amount exceeding Rs. 1 Lakh is spent using this credit card.
Reward redemption charges	Rs. 99 per redemption request
Foreign currency markup Charges	2% on all forex transactions
Interest Charges	3.6% per month (or 43.2% annually)
Fuel Surcharges	1% fuel surcharge waiver on all fuel transactions
Cash advance charges	2.5% of the amount withdrawn or Rs. 500, higher of the two
Interest Free credit periods	50 Days
Add on card fee	Nil
ELIGIBILITY CRITERIA	for self employed citizen aged between 21 to 65 year muust have annual income 15 lakhs per year and for saloaried citizen must have gross monthaly income higher than 1 lakhs
Late Payment Fee	for self employed individuals should be between 21 years and 65 years of age, with a minimum annual income of Rs. 6 lakhs.
Partner Discounts	5,000 Reward Points on annual spends of Rs. 3,00,000 or more every anniversary year. Additional 2,500 Reward Points on annual spends of Rs. 6,00,000 or more every anniversary year.
Reward offer savings	Credit Liability cover worth up to Rs 5 lakhs.
USP of Card	1,000 Reward Points as a welcome bonus.
BestValue Score	7.8

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HDFC Bank Regalia First Credit Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

HDFC Bank Regalia First Credit Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Reward Type

Renewal Fee

Joining Fee

Type of Card

Welcome Benefits

USP of Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Fees & Charges

Spend Based Waiver

Interest Rates

Cash Advance Charges

Rewards Redemption Fee

Fuel Surcharge

Foreign Currency Markup

Late Payment Fee

Add-on Card Fee

Rewards & Benifit

Movie & Dining offers

Reward Redemption

Zero Liability Protection

Rewards Rate

Travel

Online Shopping offers

Insurance Benefits

Domestic Lounge Access

International Lounge Access

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Specification: HDFC Bank Regalia First Credit Card

User Reviews

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