HDFC Bank Regalia First Credit Card

Renewal feeJoining fee

₹1,000 + GST₹1,000 plus applicable taxes a year, from the 2nd year

Fee waiver rule

Fee waived if you spend ₹1 lakh.

Add-on card fee

₹0

Welcome benefit

Welcome bonus of 1,000 reward points.

Reward rate

Earn 3 Reward points per 200 spent.

Groceries earning

Grocery transactions will be capped per month to 2000 Reward Points.

Utilities earning

5% CashBack on electricity, telecom, tax payments (₹500 max, first year only)

Reward exclusions

Rent payment and Education related transactions will not earn reward points.

Reward caps

A maximum of 25,000 reward points can be earned in a calendar month

Cashback redemption

Cashback ₹0.10

Catalogue redemption

Products and vouchers Up to ₹0.25 Netbanking or SmartBuy

Flight redemption

Flights and hotel bookings ₹0.30 SmartBuy.

Hotel redemption

For flight and hotel bookings, Credit Card members can redeem up to a maximum of 70% of the booking value through Reward Points /CashPoints.

Redeeming points for travel

Use points on SmartBuy to redeem up to 70% of booking value on flights, hotels, and more; Redemption of Travel Reward Points will be capped at 50,000 points per month

Statement-credit redemption

Redeem reward points against statement.

Point expiry

Valid only for 2 years from the date of accumulation

Rent earning

Not offered — Rent payment transactions will not earn reward points

Dining programme

Up to 20% savings via Swiggy Dineout (20,000+ restaurants)

Milestone benefits

7,500 Bonus RP on ₹6 lakh spends & 5,000 Bonus RP on ₹9 lakh spends per anniversary year

Renewal benefit

A renewal bonus of 1,000 reward points.

Domestic lounge access

Not offered – lounge benefit has been discontinued from December 1, 2023

International lounge access

Not offered – lounge benefit has been discontinued from December 1, 2023

Fuel surcharge waiver

1% fuel surcharge waiver at all fuel stations across India on minimum transaction of ₹400 and maximum transaction of ₹5000; max CashBack of ₹500 per statement cycle

Surcharge on railway tickets

1% of the transaction amount + GST

Air accident cover

Accidental air death cover worth ₹1 Crore (USD 125,000)

Lost card liability

Upto ₹9 lakhs

Medical and hospitalisation cover

Up to ₹15 lakhs (USD 18,750)

Balance transfer terms

Balance Transfer Processing Charges: 1% of BT amount or ₹250, whichever is higher.

Dynamic currency conversion markup

1.75%1.75% on each International transaction carried out in Indian currency at an international location

Forex markup

3.5% on foreign currency transactions.3.50% of transaction value

Cash advance fee

2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher

Cash advance interestInterest on unpaid balance

3.75% per month (i.e., 45% per annum)

Cash withdrawal limit

40% of the Credit Limit.

Interest-free period

50 days interest-free when you pay in full.

Late payment fee

₹100 or less: Nil; ₹101 to ₹500: ₹100; ₹501 to ₹1,000: ₹500; ₹1,001 to ₹5,000: ₹600; ₹5,001 to ₹10,000: ₹750; ₹10,001 to ₹25,000: ₹900; ₹25,001 to ₹50,000: ₹1,100; more than ₹50,000: ₹1,300 (excl. GST)

Over-limit fee

2.5% of overlimit amount, subject to a minimum of ₹550

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450

Statement or duplicate statement fee

₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal card variants.

Cash payment / cash deposit fee

₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Cheque payment / dishonour fee

For Cheque value upto ₹5,000 - ₹25 and for above ₹5,000 - ₹50

Education / school fee charge

1% fee will be levied on Education transactions done through third party applications.

Fee on online skill-based gaming spends

1% fee will be levied on Online Skill based gaming spends exceeding ₹10,000 in a calendar month.

Reward redemption fee

₹99 Per redemption request

Wallet load charge

1% fee will be levied on Wallet loading spends exceeding ₹10,000 in a calendar month.

What the card's fee or benefit year means

Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.

Fuel transaction fee

1% fee will be levied on Fuel transaction exceeding — ₹15,000 for consumer cards.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions.

Utility transaction fee

1% fee will be levied on utility spends exceeding ₹50,000 per Calendar month for consumer cards.

GST note

Goods and Service Tax (GST) at 18%

Minimum amount due

Total GST + EMI amount + 100% of Fees/Charges + 5% of (Finance Charge + Retail Spends + Cash Advance); if that 5% is less than the Finance Charge, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance); plus Overlimit Amount (if any)