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HDFC Bank Regalia Credit Card VS HDFC Bank Regalia First Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 June 2026

Both HDFC Bank Regalia Credit Card and HDFC Bank Regalia First Credit Card suit travel-focused spenders, but they earn and cost differently. HDFC Bank Regalia Credit Card costs ₹2,500 + GST and earns 4 Reward Points on every Rs. 150 spent on retail. HDFC Bank Regalia First Credit Card costs ₹1,000 + GST and earns 4 Reward Points for every Rs. 150 spent on all retail purchases. HDFC Bank Regalia Credit Card also brings 8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers), while HDFC Bank Regalia First Credit Card counters with not Available. If premium spending matters more, go with HDFC Bank Regalia Credit Card; if shopping is the priority, HDFC Bank Regalia First Credit Card fits better.

HDFC Bank Regalia Credit Card
HDFC Bank Regalia Credit Card
HDFC Bank Regalia First Credit Card
HDFC Bank Regalia First Credit Card

Fees & Charges

Joining Fee₹2,500 + GST
Joining Fee₹1,000 + GST
Renewal Fee₹2,500 + GST
Renewal Fee₹1,000 + GST
Spend Based WaiverAnnual fee waiver (second year onwards) on spending Rs. 3 lakhs or more in the previous year.
Spend Based WaiverRenewal fee waived off if an amount exceeding Rs. 1 Lakh is spent in the anniversary year.
Foreign Transaction Fees2% on all foreign currency transactions.
Foreign Transaction Fees2% on forex transactions; 3.5% for international transactions (as per FAQ).
Interest Rate (APR)3.6% per month or 43.2% annually on outstanding amount.
Interest Rate (APR)3.6% monthly (equivalent to 43.2% annually) on the overdue amount.

Rewards & Benefits

Welcome Bonus2,500 bonus Reward Points are awarded after the successful realization of the joining fee.
Welcome Bonus1,000 Reward Points on successful payment of the annual fee.
Rewards RateEarn 4 Reward Points on every Rs. 150 spent on retail.
Rewards RateEarn 4 Reward Points for every Rs. 150 spent on all retail purchases.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs. 99 (plus applicable taxes) charged on every redemption request.
Reward Redemption FeeRs. 99

Travel & Lifestyle

Domestic Lounge Access8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers).
Domestic Lounge AccessNot Available
International Lounge AccessPriority Pass membership with 6 complimentary lounge visits per year outside India.
International Lounge AccessNot Available
Travel BenefitsComplimentary domestic/international lounge access, travel insurance, and accelerated rewards on bookings.
Travel BenefitsReward points can be redeemed for flight and hotel bookings.
Movie BenefitsNot Applicable
Movie BenefitsNot Applicable
Dining BenefitsGet up to 20% off on partner restaurants via Swiggy Dineout when payment is made via the Swiggy application.
Dining BenefitsSpecial offers at premium restaurants with The Good Food Trail dining program across top cities.
Golf BenefitsNot applicable.
Golf BenefitsNot Available
Fuel Surcharge Waiver1% waiver on transactions Rs. 400-5,000, capped at Rs. 500 per month.
Fuel Surcharge Waiver1% waiver on fuel transactions between Rs. 400 and Rs. 5,000, capped at Rs. 500/billing cycle.

Security & Other

Insurance BenefitsAccidental air death cover of Rs. 1 Cr, emergency overseas hospitalization up to Rs. 15 lakhs.
Insurance BenefitsAir accidental (Rs 50L), emergency overseas hospitalization (Rs 10L), credit liability (Rs 5L).
Cash Advance Charges2.5% of transaction amount or Rs. 500, whichever is higher.
Cash Advance Charges2.5% of withdrawn amount, minimum Rs. 500 or Rs. 600, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Regalia Credit Card

HDFC Bank Regalia First Credit Card

Who is it for?

The HDFC Bank Regalia Credit Card is a premium offering designed for individuals seeking significant travel and lifestyle benefits. It provides a robust rewards program with 4 Reward Points on every Rs. 150 spent, complemented by welcome and milestone bonuses. Cardholders enjoy complimentary domestic and international lounge access, a low foreign currency markup, and comprehensive insurance coverage, making it ideal for frequent travelers and those seeking exclusive privileges.

Who is it for?

The HDFC Bank Regalia First Credit Card offers a blend of travel and lifestyle privileges. It provides significant Reward Points on retail purchases, along with dining benefits and comprehensive insurance covers. Cardholders can also benefit from milestone rewards and a renewal fee waiver based on annual spending, making it ideal for frequent travelers and shoppers seeking enhanced benefits.

Pros

Key benefits and features.

Generous welcome bonus reward points and a competitive reward rate.

Low foreign exchange markup fee of 2% on international transactions.

Complimentary domestic and international lounge access with Priority Pass.

Significant milestone benefits with bonus reward points on annual spending.

Pros

Key benefits and features.

Earn 5,000 Reward Points on annual spends of Rs. 3 Lakhs or more.

Accumulate up to 7,500 bonus Reward Points annually through milestone benefits.

Comprehensive insurance covers include air accident, hospitalization & credit liability.

Renewal fee waiver available on annual spends exceeding Rs. 1 Lakh.

Cons

Key drawbacks and limitations.

Other HDFC cards might offer better benefits or redemption options.

Many spend categories like fuel, rentals, and government spends do not earn reward points.

Reward points have an expiry period of 2 years from the date of accumulation.

Domestic lounge access is spend-based, requiring Rs. 1 lakh spend per quarter.

Cons

Key drawbacks and limitations.

A reward redemption fee of Rs. 99 is always applicable.

Does not provide any complimentary domestic or international lounge access.

No reward points are earned when making fuel transactions.

The foreign currency markup can be as high as 3.5%.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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