HDFC Bank Regalia First Credit Card
HDFC Bank
Annual / renewal fee
₹1,000 plus applicable taxes (annual membership / renewal fee).
VerifiedRegalia First Credit Card product page4 Aug 2026, 6:20 PM ISTHDFC Bank
Earn rate
- 4 Reward Points for every ₹200 spent (w.e.f 15th May 2026; earlier 4 RP per ₹150).
- Reward Points earned for transaction amounts in multiples of ₹200.
- Residual amounts or transactions below ₹200 do not earn Reward Points.
Verifiedharvested from product page4 Aug 2026, 6:20 PM ISTHDFC Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Regalia First Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹1,000 plus applicable taxes.
VerifiedKey Fact Statement (KFS) cum MITC – Regalia First Credit Card (Version 2.3, Nov 2024)4 Aug 2026, 6:20 PM ISTHDFC Bank
Annual / renewal fee
₹1,000 plus applicable taxes (annual membership / renewal fee).
VerifiedRegalia First Credit Card product page4 Aug 2026, 6:20 PM ISTHDFC Bank
Fee waiver
Renewal fee waived on spending ₹1,00,000 or more in a year before the Credit Card renewal date (Minimum spend for waiver: ₹1 Lakh / Annum).
VerifiedRegalia First Credit Card product page4 Aug 2026, 6:20 PM ISTHDFC Bank
Renewal fee
₹1,000 plus applicable taxes per year.
VerifiedRegalia First Credit Card product page4 Aug 2026, 6:20 PM ISTHDFC Bank
Rewards
- 4 Reward Points for every ₹200 spent (w.e.f 15th May 2026; earlier 4 RP per ₹150).
- Reward Points earned for transaction amounts in multiples of ₹200.
- Residual amounts or transactions below ₹200 do not earn Reward Points.
Verifiedharvested from product page4 Aug 2026, 6:20 PM IST
Redemption value
- Redeem Reward Points on the exclusive HDFC Bank Regalia portal (www.hdfcbankregalia.com).
- Rewards Redemption Fee ₹99 per redemption request.
- For flight and hotel bookings up to 70% of booking value can be redeemed through Reward Points.
- Reward Points valid for 2 years from date of accumulation.
- Cashback redemption value (w.e.f 1st November 2025) for Regalia First: 10 paise per point.
VerifiedMost Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (General, covers Regalia First; updated May 2026)4 Aug 2026, 6:20 PM ISTHDFC Bank
Reward cap
- Maximum 25,000 Reward Points can be earned in a statement cycle (Regalia First, Business Regalia First).
- Insurance transactions capped at 2000 Reward Points per month (w.e.f 1st July 2025).
- Grocery, Utility and Telecom transactions capped at 2000 Reward Points per calendar month each.
- UPI mode purchases capped at 500 points per calendar month.
VerifiedMost Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (General, covers Regalia First; updated May 2026)4 Aug 2026, 6:20 PM ISTHDFC Bank
Reward exclusion
VerifiedMost Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (General, covers Regalia First; updated May 2026)4 Aug 2026, 6:20 PM ISTHDFC Bank
Travel & lounge
Lounge access
- Airport lounge access and Comprehensive Protection benefits on Business Regalia First were discontinued effective 1st October 2023 (8 complimentary domestic + 3 complimentary international via Priority Pass withdrawn).
- Current product page notes 'Airport Lounge Access & Comprehensive Protection Benefit offers discontinued'.
Verifiedharvested from product page4 Aug 2026, 6:20 PM ISTHDFC Bank
Travel benefit
Former travel insurance benefits for Business Regalia First (Flight Delay cover up to ₹25,000 and Missing Connecting International Flight cover up to ₹25,000) DISCONTINUED effective 1st October 2023.
Verifiedharvested from product page4 Aug 2026, 6:20 PM ISTHDFC Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
- Air Accident death cover of ₹1,00,00,000 (available to primary cardholder).
- Emergency Medical Expenses cover up to ₹15,00,000 for international travel outside India.
- Card Liability Cover up to ₹9,00,000.
- Insurance partner: HDFC Ergo (Policy Period 23rd July 2025 to 22nd July 2026).
- For Business Regalia First, insurance/comprehensive protection benefits (Air accidental death up to ₹50 lakhs, emergency overseas hospitalization up to ₹10 lakhs) discontinued w.e.f 1st October 2023.
Verifiedharvested from product page4 Aug 2026, 6:20 PM ISTHDFC Bank
Eligibility
Eligibility
- New applications for the Regalia First Credit Card are currently unavailable.
- Existing cardholders continue to enjoy features and benefits.
VerifiedRegalia First Credit Card product page4 Aug 2026, 6:20 PM ISTHDFC Bank
Charges & interest
Forex markup
3.50% of transaction value (Foreign Currency Transactions) - FCC charges changed to 3.5% w.e.f 1st August'24.
VerifiedMost Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (General, covers Regalia First; updated May 2026)4 Aug 2026, 6:20 PM ISTHDFC Bank
Fuel surcharge waiver
- 1% fuel surcharge waiver on minimum transaction of ₹400 and maximum transaction of ₹5,000.
- Maximum waiver of ₹500 per statement cycle (GST on fuel surcharge not reversed).
VerifiedMost Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (General, covers Regalia First; updated May 2026)4 Aug 2026, 6:20 PM ISTHDFC Bank
Interest-free period
- Interest free (grace) period ranges from 20 to 50 days, subject to the scheme applicable and submission of claims by the merchant.
- Not applicable if previous month's balance is not cleared in full or if cash withdrawn from ATM.
VerifiedMost Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (General, covers Regalia First; updated May 2026)4 Aug 2026, 6:20 PM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Regalia First Credit Card?
Officially traced: Rs. 1,000 plus applicable taxes (annual membership / renewal fee).
Regalia First Credit Card product pageWhat is the joining fee on the Regalia First Credit Card?
Officially traced: Rs. 1,000 plus applicable taxes.
Key Fact Statement (KFS) cum MITC – Regalia First Credit Card (Version 2.3, Nov 2024)Is the Regalia First Credit Card annual fee ever waived?
Renewal fee waived on spending Rs. 1,00,000 or more in a year before the Credit Card renewal date (Minimum spend for waiver: Rs. 1 Lakh / Annum).
Regalia First Credit Card product pageHow does the Regalia First Credit Card earn rewards?
4 Reward Points for every Rs. 200 spent (w.e.f 15th May 2026; earlier 4 RP per Rs. 150).
harvested from product pageWhat lounge access does the Regalia First Credit Card include?
Airport lounge access and Comprehensive Protection benefits on Business Regalia First were discontinued effective 1st October 2023 (8 complimentary domestic + 3 complimentary international via Priority Pass withdrawn).
harvested from product pageWhat are the transfer ratios for Regalia First Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/indian-oil-hdfc-bank-credit-card/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf.
VerifiedRegalia First Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:09 AM ISTHDFC Bank
Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.