HDFC Regalia First Credit Card Review

HDFC Bank offers several credit cards to cater to the needs of their customers and hdfc 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 hdfc bank regalia credit card benefits.

What are the hdfc bank regalia first credit card eligibility criteria?

  • Resident Type: Indian.  
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs. 40,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs.
    • Income: Minimum ITR should be Rs. 5 lakh. 
  • A good CIBIL Score (750 or more)is required to get this hdfc bank credit card.
  • A good relationship with the bank may help you to get this HDFC regalia credit card more easily.

As you submit your hdfc credit card application, you will get a unique application id. This application id can be used to track your hdfc bank credit card application status.

What documents are required to apply for the hdfc regalia credit card?

  • 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 (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report.

As per the new regulations, all new hdfc credit cards are delivered in an inactive state. So if you want to know how to activate your card or how to set pin for hdfc credit card for the first time then feel free to take a look at our faq page.

What are the hdfc regalia first credit card fees?

  • HDFC regalia first credit card joining fee: Rs. 1000 + GST
  • HDFC regalia first credit card annual fee: Rs. 1000 + GST

How does this hdfc regalia credit card benefit you?

  • Add value to your transactions with the powerful cashback program:

This hdfc bank regalia first credit card offers up to a 5% discount on your shopping expenses at SmartBuy. 

  • Make your every transaction rewarding:

With the powerful hdfc regalia rewards program, this card can make your every transaction rewarding. The details are given below.

Category of transaction

             Rate of earning hdfc bank reward points                   

For every Rs.150 transaction.

4 reward points.

 On spending Rs. 3 lakh within an anniversary year.                

5,000 regalia rewards.

On spending Rs. 6 lakh within an anniversary year.

Another 2500 reward points.

The hdfc bank regalia first credit card rewards redemption process is very simple, you can redeem your earned reward points for flight and hotel bookings or against several options available on the hdfc credit card reward catalog. 1 reward point is equal to Rs. 0.30 (when redeemed via regalia website).

  • Enjoy free access to airport lounges:

Under the hdfc credit card priority pass membership, you will get 3 international and 8 domestic lounge accesses every year. Click here for the details of the hdfc bank regalia first credit card priority pass membership. You can also find the hdfc regalia credit card lounge access list(Visa lounges) here. You can apply for the priority pass membership after completing 4 successful retail transactions.

  • Enjoy a premium dining experience with a big discount on dining bills:

The hdfc regalia first credit card benefits are quite impressive. It offers up to a 25% discount on dining at all the premium restaurants across India. Click here for the current offers.

  • Get freedom from paying fuel surcharges:

If you use this card to purchase fuel, you will get a 1% waiver on fuel surcharges. This hdfc credit card fuel surcharge waiver offer is applicable on transactions between Rs. 400 to Rs. 5,000, and you can earn a maximum of Rs. 500 waiver per hdfc credit card statement cycle.

  • Complimentary insurance coverage to stand for you:

In case of unfortunate or emergency situations, your hdfc regalia first card can stand for you with its built-in insurance coverage scheme. 

Particulars

Total coverage amount                             

Air accidental death coverage.

Rs. 50 lakh.

Emergency overseas hospitalization coverage.               

Rs. 10 lakh.

  Accidents can happen anytime and having such hdfc credit card insurance coverage can prove to be helpful in emergencies. 

  • Get complete coverage against lost or stolen cards:

This hdfc bank regalia first credit card features a lost card liability coverage of Rs. 5,00,000, which means if your card ever gets lost or stolen, you just have to report the loss by calling the hdfc credit card customer care number and you will no longer be liable for anything bad that may happen to your account.

You can also temporarily disable your card instantly for your net banking account. If you want to know how to block hdfc credit card then feel free to visit our HDFC credit card FAQs page

  • Pay more conveniently with the advanced contactless payment option:

This hdfc bank regalia credit card is equipped with the advanced contactless payment option, it allows you to make payments just by placing your card over any POS machine that accepts contactless payments. You can control the contactless payment option from your hdfc credit card online banking account.

What are the hdfc bank regalia first credit card charges

Particulars

Payable amount

hdfc credit card atm withdrawal charges.

2.5% against the withdrawn amount Min Rs. 500 (Check your hdfc credit card limit before making a withdrawal)

hdfc credit card finance charges.

The interest rate of hdfc credit card is quite higher, and for this particular card it is 3.6% monthly. 

hdfc regalia credit card international transaction charges.

2% against the transacted amount.

hdfc add on card fee.

Your hdfc bank add on credit card is free for a lifetime (for this particular card)

How to get in touch with the hdfc credit card customer care department?

  • You can call the hdfc bank regalia first credit card customer care number: ​​1800-266-4332 (Toll-free) or 022-6160-6161
  • Write to the hdfc credit card customer care email id:customerservices.cards@hdfcbank.com  

Also, if you are suspicious about a particular transaction, then you can file a dispute against it. You can find the hdfc credit card dispute form from here.

100xGain Ratings:

7/10

Pros and Cons of the hdfc bank regalia first credit card:

Pros 

Cons 

  • This regalia credit card gives you free access to domestic and international lounges.
  • You can enjoy up to 15% discount on dining bills.
  • The rate of earning hdfc regalia first credit card reward points is very good.
  • This hdfc regalia first credit card features a handsome waiver on fuel surcharges.
  • There are no movie benefits on this hdfc bank regalia first card.
  • This card does not offer anything on travel booking.

Final Opinion:

After analyzing the hdfc bank regalia first credit card benefits I can say that this card is best suited 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 the hdfc regalia card, as it can open a new way for you to earn benefits.

But HDFC bank is not currently accepting new applications for the HDFC Regalia credit card. In this case, I would recommend you take a look at our top credit card pges, or at the alternative card options given below.

Alternative cards of the hdfc bank regalia first credit card

  1. AU Small Altura (Best for cashback and lounge access)
  2. BOI rupay platinum credit card (Best for cashback)
  3. ICICI bank carbon credit card (Best for cashback and lounge access)
  4. YES bank private prime credit card (Best for lounge access and golf) 

 

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