HDFC Bank Regalia First Card, Features and Eligibility -
Check Now:

In the world of premium credit cards, the HDFC Bank Regalia First Credit Card stands tall as one of the most trusted and value-packed offerings in India. Designed for professionals, travelers, and lifestyle enthusiasts, this card combines luxury benefits, exclusive privileges, and reward-rich experiences—all at a reasonable annual fee.

Whether you enjoy fine dining, travel frequently, or seek a card that enhances your lifestyle, the HDFC Regalia First Credit Card ensures that every spend turns into a rewarding experience.

Let’s explore its features, benefits, eligibility criteria, and application process in detail and find out why it remains one of HDFC Bank’s most popular premium cards.

Key Highlights of HDFC Bank Regalia First Credit Card

1. ✈️ Complimentary airport lounge access across India and abroad.
   
   

2. 💰 Earn up to 4 reward points per ₹150 spent on all categories.
   
   

3. 🏆 Welcome benefit of 1,000 bonus reward points on joining.
   
   

4. 🎉 Milestone benefits – Earn up to 5,000 additional reward points annually.
   
   

5. 💳 Comprehensive travel and air accident insurance coverage.
   
   

1. Overview of HDFC Regalia First Credit Card

The HDFC Regalia First Credit Card is a premium lifestyle card tailored for individuals who want to enjoy comfort, rewards, and status with every spend. Positioned just below the elite “HDFC Regalia Credit Card,” this variant offers a perfect balance of benefits and affordability.

It’s powered by Visa Signature and Mastercard World networks, ensuring global acceptance and premium perks across the world. From reward points to airport lounge access and dining offers, this card ensures every moment counts.

2. Reward Points Program

One of the most attractive aspects of this card is its robust reward structure. You earn points every time you spend, and those points can be redeemed for flight bookings, hotel stays, and exciting vouchers.

Transaction Type	Reward Points Earned
Regular domestic spends	4 points per ₹150
Online & retail spends	4 points per ₹150
Dining & travel bookings	4 points per ₹150
Fuel transactions	No points

Reward Point Value:
Each point is worth approximately ₹0.20 when redeemed through the HDFC SmartBuy platform for travel bookings.

Redemption Options Include:

• Air tickets and hotels via HDFC SmartBuy.
  
  

• Shopping vouchers for brands like Amazon, Flipkart, Myntra, and Big Bazaar.
  
  

• Exclusive catalog items via NetBanking or HDFC mobile app.
  
  

3. Welcome Benefits

On joining, you receive 1,000 Reward Points as a welcome gift (equivalent to ₹200 in value).

Conditions:

• Reward points are credited after payment of the first membership fee.
  
  

• Points can be redeemed for travel bookings or lifestyle vouchers.
  
  

4. Travel Benefits – Fly in Style

Travelers will love the Regalia First Card for its exclusive travel privileges, including airport lounge access and global coverage.

✈️ Domestic Lounge Access

• 8 complimentary domestic airport lounge visits per calendar year (2 per quarter).
  
  

• Access available through Visa/Mastercard lounge programs.
  
  

🌍 International Lounge Access

• 4 complimentary international airport lounge visits per year via Priority Pass Membership (first year free).
  
  

• Additional visits chargeable at $27 per visit after the free quota.
  
  

🧳 Travel Insurance Benefits

• Air accident cover: ₹50 lakh.
  
  

• Overseas emergency hospitalization: up to ₹10 lakh.
  
  

• Credit shield cover: ₹5 lakh (in case of accidental death).
  
  

These travel perks make the HDFC Regalia First Card one of the best companions for frequent flyers.

5. Milestone Benefits

Get rewarded for your spending milestones!

Annual Spend	Bonus Reward Points
₹3 lakh	1,000 bonus points
₹6 lakh	2,500 additional bonus points

That means you can earn up to 3,500 extra reward points per year, just for using your card regularly.

6. Dining and Lifestyle Benefits

Love fine dining or weekend outings? The Regalia First Card has you covered.

• Enjoy exclusive dining offers via the Good Food Trail Dining Program powered by HDFC Bank.
  
  

• Access premium restaurants with up to 20% off on food and beverages.
  
  

• Avail Buy 1 Get 1 movie tickets on select platforms.
  
  

You can also explore HDFC’s SmartBuy & PayZapp platforms for additional cashback and merchant-specific rewards.

7. Fuel Surcharge Waiver

Save money every time you refuel!

• 1% fuel surcharge waiver across all petrol pumps in India.
  
  

• Valid on transactions between ₹400 and ₹5,000.
  
  

• Maximum benefit capped at ₹500 per billing cycle.
  
  

8. Fees and Charges

Particulars	Details
Joining Fee	₹1,000 + GST
Annual Renewal Fee	₹1,000 + GST
Annual Fee Waiver	On annual spends of ₹1,00,000 or more
Interest Rate	3.6% per month (43.2% annually)
Cash Advance Fee	2.5% (min ₹500)
Foreign Transaction Mark-up	3.5%
Reward Redemption Fee	₹99 per redemption

💡 Tip: Spend ₹1 lakh annually and enjoy full fee waiver while continuing to access premium privileges!

9. Eligibility Criteria

To apply for the HDFC Regalia First Credit Card, you must meet the following eligibility requirements:

Criteria	Salaried Individuals	Self-Employed Individuals
Age	21 – 60 years	21 – 65 years
Income Requirement	Minimum ₹35,000 per month	Minimum ₹6 lakh per annum (as per ITR)
Credit Score	700+ preferred	700+ preferred
Residency	Indian Resident	Indian Resident

Note: Approval depends on credit score, repayment history, and income stability.

10. Documents Required

Keep the following documents handy when applying online or offline:

• Proof of Identity: Aadhaar, PAN, or Passport.
  
  

• Proof of Address: Utility Bill, Passport, or Voter ID.
  
  

• Proof of Income:
  
  

• For salaried: Latest 3 months’ salary slips and bank statement.
  
  

• For self-employed: ITR and business proof.
  
  

11. How to Apply Online for HDFC Regalia First Card

Applying for the HDFC Regalia First Credit Card is simple and paperless.

Steps to Apply:

1. Visit the official HDFC Bank Credit Card page or Fincrif.com.
   
   

2. Click on “Apply Now” under the Regalia First Credit Card section.
   
   

3. Fill in personal, contact, and income details.
   
   

4. Complete e-KYC verification using Aadhaar.
   
   

5. Upload required documents.
   
   

6. Once approved, your digital card is instantly issued, followed by the physical card via courier.
   
   

12. Security Features

HDFC ensures maximum security for your card transactions:

• EMV chip & PIN protection for secure payments.
  
  

• Zero liability on lost/stolen cards (if reported promptly).
  
  

• SMS & email alerts for every transaction.
  
  

• Temporarily block/unblock your card anytime via NetBanking or the HDFC Mobile App.
  
  

13. Comparison: Regalia First vs Regalia Credit Card

Feature	Regalia First	Regalia
Joining Fee	₹1,000 + GST	₹2,500 + GST
Reward Rate	4 pts / ₹150	4 pts / ₹150
Lounge Access	8 Domestic + 4 International	12 Domestic + 6 International
Income Eligibility	₹35,000/month	₹1 lakh/month
Travel Insurance	₹50 lakh	₹1 crore
Annual Spend Waiver	₹1 lakh	₹3 lakh

If you’re new to premium cards, the Regalia First is a great starting point before upgrading to the full Regalia Card later.

14. Pros and Cons

Pros	Cons
Complimentary airport lounge access	Reward redemption fee of ₹99
Strong travel and lifestyle benefits	No rewards on fuel spends
High reward rate on all categories	Limited cashback flexibility
Annual fee waiver on moderate spends	Foreign markup at 3.5%

15. Why Choose the HDFC Regalia First Credit Card?

Here’s what makes this card truly stand out among competitors:

• 🌍 Global acceptance across millions of merchants.
  
  

• ✈️ Airport lounge access for a luxurious travel experience.
  
  

• 💎 Premium lifestyle perks at a low annual fee.
  
  

• 🎁 Reward points that actually add up for travel and vouchers.
  
  

• 💳 Fee waiver with reasonable annual spend.
  
  

Whether you’re a salaried professional, business traveler, or simply someone who values premium privileges without overspending, the HDFC Regalia First Credit Card is a smart and rewarding choice.

16. Tips to Maximize Card Benefits

To make the most of your HDFC Regalia First Card:

1. Book flights & hotels via SmartBuy – Earn up to 10X reward points.
   
   

2. Consolidate high-value spends – Unlock milestone rewards easily.
   
   

3. Use Priority Pass for international lounges – Great for overseas trips.
   
   

4. Pay bills and shop online through HDFC PayZapp for extra benefits.
   
   

5. Redeem rewards for travel instead of vouchers for better value.
   
   

17. Customer Support

For queries, assistance, or card management:

• 24×7 Helpline: 1800 266 4332
  
  

• Email: support@hdfcbank.com
  
  

• Online Portal: HDFC Bank Credit Card NetBanking
  
  

• App: HDFC Mobile Banking App
  
  

You can check your available rewards, statement, and payment due dates easily from the HDFC app dashboard.

The HDFC Bank Regalia First Credit Card strikes the perfect balance between affordability and premium benefits. It’s ideal for users who want to experience travel luxury, lifestyle rewards, and smart financial management — without paying a hefty fee.

With comprehensive travel coverage, lounge privileges, and a strong reward program, it’s a great step into HDFC’s premium card lineup.

If you’re aiming for a credit card that delivers premium value without premium pricing, the Regalia First Credit Card deserves a place in your wallet.