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

Fee:

  • Joining Fee: Rs. 1000 + GST
  • Annual Fee: Rs. 1000 + GST

Benefits:

Let’s take a look at the hdfc regalia first credit card benefits:

  • Cash-Back Benefit:

If you use your Regalia First credit card for travel and shopping-related expenses on SmartBuy, then you will get 5% cashback on your bill. 

  • Reward Benefit:

If you want to earn reward points for your everyday expenses, then this hdfc regalia credit card will be a good option for you.

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

By spending Rs. 3 lakhs, you will get 5,000 points on each anniversary year (12 months from the date of card setup). Also By spending Rs. 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 hdfc credit card reward catalog.

1 reward point is equal to Rs. 0.30 (when redeemed on regalia portal)

 In case if you don’t know how to set pin for hdfc credit card for the first time, then visit our HDFC credit card FAQs page you can find the complete process there. 

  • Lounge Access: 

This card can make your journey more comfortable. You will get 3 international and 8 domestic lounge accesses in a calendar year via hdfc credit card priority pass membership.

  • Dining Benefit:

The hdfc regalia first credit card benefits are quite impressive. It 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 Rs. 400 to Rs. 5000, you can earn a maximum cashback of Rs. 500 per statement cycle. The hdfc credit card fuel surcharge varies from 2.5% to 1% depending on the fuel transaction amount.

  • Insurance Coverage:

This card comes with accidental air death coverage worth Rs. 50 lakhs, and emergency overseas hospitalization coverage of up to Rs. 10 lakhs. Accidents can happen anytime and having such hdfc credit card insurance coverage can proved to be helpful in emergencies. 

  • Lost card liability:

This card offers a Credit Liability coverage of up to Rs. 5,00,000.  That means you don’t need to worry about your lost or stolen cards. All you need to do is to report the loss to HDFC within 48 hours and you will no longer be liable for any fraudulent transactions. 

You can also block your card instantly for your net banking or mobile banking account. If you don’t know how to block hdfc credit card then feel free to visit our HDFC credit card FAQs page. If you want to file a dispute against a transaction, you can download the hdfc credit card dispute form from here

  • 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.

Charges:

The hdfc bank credit card charges are quite simple to understand.

  • Cash Withdrawal Charge: 2.5% against the withdrawn amount Min Rs. 500. 
  • Finance Charge: The interest rate of hdfc credit card is quite higher, and for this particular card it is 3.6% monthly. 
  • Foreign currency transaction: 2% against the transacted amount. 
  • Add-on card fee: Your hdfc bank add on credit card is free for a lifetime (for this particular card)
  •  

Contact Details:

Call:

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

Mail: [email protected] 

100xGain Ratings:

7/10

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.

Each credit card has its own specialty and if you are not satisfied with the benefits offered by this card or you need something extra, then you should take a look at the alternative credit cards given below:

Alternative Cards: 

  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 Private Prime Credit Card (Best for lounge access and golf) 

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