What are the joining and renewal fees for the HDFC Bank Regalia First Credit Card?

The HDFC Bank Regalia First Credit Card has a joining fee of Rs. 1,000 + GST and a renewal fee of Rs. 1,000 + GST.

How can I get the annual fee waived for my HDFC Bank Regalia First Credit Card?

The renewal fee for the HDFC Bank Regalia First Credit Card is waived if you spend Rs. 1 Lakh or more in the anniversary year.

What are the main reward earning rates on the HDFC Bank Regalia First Credit Card?

With the HDFC Bank Regalia First Credit Card, you earn 4 Reward Points for every Rs. 150 spent on all retail purchases.

Does the HDFC Bank Regalia First Credit Card offer lounge access?

No, the HDFC Bank Regalia First Credit Card does not offer complimentary domestic or international airport lounge access.

What insurance benefits are included with the HDFC Bank Regalia First Credit Card?

The HDFC Bank Regalia First Credit Card provides air accidental cover, emergency overseas hospitalization cover, and credit liability cover.

How can I redeem Reward Points earned with the HDFC Bank Regalia First Credit Card?

Reward Points from the HDFC Bank Regalia First Credit Card can be redeemed for flights, hotels, airmiles, products, vouchers, or as cashback.

What is the foreign currency markup on the HDFC Bank Regalia First Credit Card?

The HDFC Bank Regalia First Credit Card has a foreign currency markup of 2% on forex transactions and 3.5% for international transactions.

Are there any milestone benefits with the HDFC Bank Regalia First Credit Card?

Yes, you can earn up to 7,500 bonus Reward Points annually on reaching specified spending milestones with the HDFC Bank Regalia First Credit Card.

What are the cash advance charges for the HDFC Bank Regalia First Credit Card?

Cash advance charges on the HDFC Bank Regalia First Credit Card are 2.5% of the amount withdrawn or Rs. 500, whichever is higher (min Rs 600).

Is there a fuel surcharge waiver on the HDFC Bank Regalia First Credit Card?

Yes, the HDFC Bank Regalia First Credit Card offers a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 500.

HDFC Bank

HDFC Bank Regalia First Credit Card

TravelShopping

Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

1,000 Reward Points on successful payment of the annual fee.

Rewards Rate

Earn 4 Reward Points for every Rs. 150 spent on all retail purchases.

Reward Type

Reward Points

Reward Redemption

Redeem points for flights & hotels via SmartBuy, airmiles, products, vouchers, or cashback.

Domestic Lounge Access

Not Available

International Lounge Access

Not Available

Premium Benefits

Not Available

Insurance Coverage

Air accidental (Rs 50L), emergency overseas hospitalization (Rs 10L), credit liability (Rs 5L).

Movie

Not Applicable

Dining

Special offers at premium restaurants with The Good Food Trail dining program across top cities.

Travel Benefits

Reward points can be redeemed for flight and hotel bookings.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Frequently Asked Questions

Clear, concise answers to help you understand this card better.

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