HDFC Bank Regalia First Credit Card Review

HDFC Bank offers several credit cards to cater to the needs of their customers and HDFC Bank Regalia First Credit Card is one of them. It is one of the premium credit cards from HDFC Bank. It offers several multi-dimensional benefits to its customers including Exclusive reward points, free lounge access, exclusive benefits on dining, overseas medical insurance coverage, and lots more. Go through the article to have a detailed look at the benefits of the card. 

Eligibility Criteria:

  • Resident Type: Indian.  
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹40,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs.
    • Income: Minimum ITR should be ₹5 lakh. 
  • Good CIBIL Score (750 or more)
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      •  Salary Slip of the last 3 months 
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹1000 + GST
  • Annual Fee: ₹1000 + GST


  • Cash-Back Benefit:

This card offers 5% Cash-Back on your travel and Shopping spends made n SmartBuy 

  • Reward Benefit:

On spending ₹150 you will earn 4 reward points on all retail purchases made with this card. 

By spending 3 lakhs, you will get 5,000 points on each anniversary year (12 months from the date of card setup). Also By spending 6 lakhs you will get extra 2500 points. 

 You can redeem your earned reward points for flight and hotel bookings, or against several categories on the rewards catalog.

1 reward point = ₹0.30 (when redeemed into regalia portal)

  • Lounge Access: 

This card offers 3 international and 8 domestic lounge accesses in a calendar year via Priority Pass membership.

  • Dining Benefit:

Regalia First offers up to a 15% discount on dining at premium restaurants across India.

  • Fuel Surcharge waiver:

This card offers a 1% fuel surcharge waived off on fuel transactions. The transaction amount should be between ₹400 to ₹5000, you can earn a maximum cashback of ₹500 per statement cycle. Fuel surcharge varies from 2.5% to 1% of the fuel transaction amount.

  • Insurance Coverage:

This card comes with accidental air death coverage worth ₹50 lakhs, and emergency overseas hospitalization coverage of up to 10 lakhs. 

  • Lost card liability:

This card offers a Credit Liability coverage of up to ₹5,00,000.  To avail the benefits of the coverage you have to report the loss as soon as possible. 

  • Contactless facility:

This card comes with a contactless payment facility, so you don’t need to hand over your card at counters to make payments. It reduces the risk of misplaced or lost cards.


  • Cash Withdrawal Charge: 2.5% against the withdrawn amount Min ₹500. 
  • Finance Charge: 3.6% monthly. 
  • Foreign currency transaction: 2% against the transacted amount. 

Contact Details:


  • 1800 209 4006
  • <City Code> 61606161
  • 080-6160-6161

Mail: [email protected] 

100xGain Ratings:


Final Opinion

HDFC Regalia Credit Card is a premium credit card, specially designed for those customers who want to have a premium credit card at a low cost, it offers exclusive benefits on retail purchases, free lounge access, and some other travel-related benefits for frequent travelers, Emergency medical insurance, lost card liability coverage, etc. 

So if you are eligible for this card, then you must go for it, as it can open a new way for you to earn benefits.   

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