HDFC Regalia First Credit Card 2022 – Best Credit Card for Travel and Dining Privileges

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HDFC Regalia First Credit Card 2022 – HDFC Regalia First credit card is a high-end card that comes with exclusive travel benefits, dining privileges, and a fantastic rewards programme. The HDFC Regalia First Card is suitable for people who want good travel and shopping perks from their credit card but don’t want to spend a lot of money on the application and/or yearly fee. This credit card is a low-fee version of HDFC Regalia, a premium travel credit card that includes lounge access at Indian and international airports.

HDFC Regalia first credit card
HDFC Regalia first credit card

Also Read Best Saving and Reward Credit Card for you – HSBC Smart Value Credit Card

HDFC Regalia First Credit Card Features & Benefits

Benefits of Traveling

  • Get a free membership to the Priority Pass Program, which gives you priority access to over 1,000 airport lounges around the world.
  • In a calendar year, you’ll get three free trips to priority pass lounges outside of India. After completing at least four transactions in the previous 60 days, you must apply for priority pass membership.

Visa/MasterCard Benefits

Cardholders can use the Visa/MasterCard Lounge Access Program on the card to access lounges throughout India. The principal cardholder receives eight complimentary lounge visits per calendar year as part of the programme.

Benefits of Insurance

  • You can get Rs.10 lakh as medical emergency protection cost if you have a medical emergency in a foreign country. Furthermore, the card provides credit liability coverage of up to Rs.5 lakh.
  • Get comprehensive insurance coverage for a variety of risks. In the event of an air accident, your nominated family would receive Rs.50 lakh in compensation.

Waiver of annual fees

Spend Rs.1 lakh in the first 12 months and you’ll be eligible for a renewal fee waiver the following year.

Advantages of Dining

You can take advantage of exclusive eating privileges with HDFC Bank’s ‘Good Food Trail’ programme, which offers up to a 40% discount on dining bills spent at partner restaurants in your city.

Fuel Advantages

A 1% surcharge waiver is available on all fuel transactions with a minimum transaction value of Rs.400 and a maximum transaction value of Rs.5,000.

Reward Benefits

  • For every Rs.150 spent on retail purchases, you’ll get 4 reward points.
  • Reward points can be used to book airline tickets or hotel reservations on www.hdfcbankregalia.com.
  • In each anniversary year, earn 5,000 Reward Points on annual spending of Rs.3,00,000 or more.
  • In each anniversary year, earn an extra 2,500 Reward Points on annual purchases of Rs.6 lakh or more.

HDFC Regalia First Credit Card Eligibility Criteria

  1. One of the key eligibility conditions is that the principal candidate must be an Indian citizen.
  2. Candidates should be at least 21 years old. 
  3. Salaried and self-employed people have different age and salary requirements. The following factors determine who is eligible for the Regalia First Card:
  • The minimum age for salaried workers is 21 and the maximum age is 60. Their monthly gross revenue should be greater than Rs 40,000.
  • Self-employed people must be at least 21 years old and no more than 65 years old. Their ITR should be in excess of Rs 5 lakh every year.

HDFC Regalia First Credit Card Documents Required

The documentation required for an HDFC Credit Card is clear and simple. You’ll need the following items:

If you are planning to get a HDFC Regalia First Credit Card than following documents are required:

  • PAN card/ Form 60/the Income Tax Returns Statement for self employed.
  • Passport size photograph of applicant
  • Latest 3 months Salary Slip/Proof of salary or Bank statement for income proof  verification/IT return copy for self employed person.

Residence proof (any one of the following):

  • Passport
  • Ration Card
  • Electricity bill
  • Landline telephone bill

Identity proof signature-bearing national identity (any one of the following):

  • Passport
  • Driving license
  • PAN card

Please note that this list is for guidance only. The documents requested may vary from case to case. 

Fee and Charges of HDFC Regalia First Credit card  

  • Interest On Finance – 3.49% per month.
  • Charges on Cash withdrawal – 2.5% of the withdrawn amount.
  • Foreign currency Markup – 2%.
  • Charges on Overlimit use – 2.5% of the overlimit amount.
  • Payment return charges – 2% 
  • Late payment charges:
For statement balance less than 100 NIL
Rs.100 to Rs.500 – Rs.100Rs.501 to Rs.5,000 Rs.500
Rs.5,001 to Rs.10,000 Rs.600
Rs.10,001 to Rs.25,000 Rs.800
Rs.10,001 to Rs.25,000 Rs.800
Rs.25,000 and above Rs.950

Review of the HDFC Regalia First Credit Card

The features and perks are created to benefit frequent travellers the most. This card provides special lounge access to over 700 worldwide airport lounges through the Club Lounge programme, which is ideal for those wishing to improve their travel experience. This card’s benefits, combined with the generous rebates, make it a good choice for frequent travellers, as long as all credit card bills are paid on time every month.

FAQs for HDFC Regalia First Credit card 

  1. What is the HDFC regalia first credit card’s limit?

    Each customer’s HDFC Regalia First credit card limit is different. It is determined by a number of parameters, including the applicant’s current pay, the organisation in which he works, his address, and so on.

  2. How can I find out the status of my credit card application?

    You can find this information on the company’s website. You’ll need to enter the 16-digit application reference number as well as your date of birth or cellphone number to access the information.

  3. How Do I Use My Regalia First Credit Card Reward Points?

    There are two ways to redeem reward points with the HDFC Regalia First Credit Card:
    1. Use your reward points to book flights and hotels.
    2. Redeem points for gifts from the rewards catalogue.

  4. Is there anything negative about the HDFC Regalia First Credit Card?

    1. The default reward rate is 0.8 percent, which is very low.
    2. After two years, the Reward Points will expire.
    3. Only foreign travel is covered by the travel insurance.
    4. Members of add-on cards are not covered by the complimentary insurance.
    5. Other categories, such as entertainment, are not covered by the card’s rewards or bonuses.

  5. How much does a Regalia First credit card cost per year?

    The Regalia First Credit Card has a Rs.1,000 yearly charge or renewal cost. However, if you spend Rs.1 lakh in a year, the cost is waived for that year. By spending a minimum of Rs.1 lakh per year, you can get a free credit card for life.

  6. How can I find out the status of my credit card application?

    You can find this information on the company’s website. You’ll need to enter the 16-digit application reference number as well as your date of birth or cellphone number to access the information.

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