The HDFC Regalia First Credit Card welcomes you with a special benefit. Upon payment of the annual fee, you'll receive 1,000 Reward Points as a welcome gift. This is a great way to kickstart your rewards journey with the card. Enjoy the perks and privileges that come with the HDFC Regalia First Credit Card while earning rewards right from the beginning.

• Earn 4 Reward Points for every Rs. 150 spent (2.7% rewards rate).
• Get up to 10X reward points via SmartBuy.
• Milestone Rewards: Earn 5,000 reward points on your account anniversary year with annual spends of Rs. 3,00,000 or more. Earn an additional 2,500 reward points with annual spends of Rs. 6,00,000 or more.
• No rewards on spends: Fuel, Wallet, EMI, and Cash Withdrawals.
• Enjoy special offers at premium restaurants with the Good Food Trail dining program.
• Redeem your reward points for flight/hotel bookings, airmiles, products, vouchers, or cashback.
• Complimentary airport lounge access worldwide, Priority Pass membership, and up to 5% cashback on travel spends via Smartbuy.
• Insurance benefits include Rs 50 lakh air accidental cover, up to Rs 10 lakh emergency overseas hospitalization cover, and up to Rs 5 lakh credit liability cover.
• Zero Liability Protection: No liability for fraudulent transactions reported after card loss/theft.

• Redeem for Airmiles, Travel Booking, Gift Voucher, or Statement Cash.
• Enjoy flexibility by redeeming up to 70% of reward points for travel bookings.
• Redemption options include Statement Cash, Airmiles, Travel Booking, and Gift Vouchers.
• There's a redemption fee of Rs. 99.
• Transfer points to partner programs like Intermiles, Singapore Airlines (KrisFlyer), and Air Vistara (CV Points).
• Explore HDFC's Rewards Redemption Catalogue for gifts and vouchers.
• Redemption rates vary for different options.
• For travel bookings, you can redeem up to 70% of the booking value.
• Cashback can be used to adjust your card's statement balance.

• Priority Pass Membership: Cardholders can enjoy complimentary access to airport lounges across the globe with the Priority Pass membership, allowing for a more comfortable travel experience.
• Reward Points: By spending Rs. 3 Lakhs or more annually, you can earn 5,000 reward points. This provides you with opportunities to earn rewards and benefits as you use the card for your expenses.

• Lounge Access: Enjoy 8 domestic and 3 international airport lounge visits annually.
• Insurance Benefits: Coverage for lost card liability, air accidental insurance, and overseas medical emergencies.
• Milestone Rewards: Earn bonus Reward Points on annual spends.
• Dining Privileges: Access to The Good Food Trail program at top restaurants.
• Fuel Surcharge Waiver: Get a 1% waiver on fuel transactions.
• Renewal Fee Waiver: Spend-based renewal fee waiver.
• Zero Liability Protection: Protection against fraudulent transactions.
• Concierge Services: Assistance with reservations and planning.
• Reward Points: Earn points on retail purchases.
• Travel Benefits: Double Reward Points for flight and hotel bookings.
• Reward Point Redemption: Redeem points for travel, products, vouchers, or cashback.

• Joining Fee: Rs. 1,000
• Annual Fee: Rs. 1,000
• Welcome Benefits: 1,000 Reward Points on payment of the joining fee.
• Annual Benefits: Receive 1,000 Reward Points for paying the annual fee.
• Forex Markup Charges: 2% on all foreign currency transactions.
• Fee Reversal Criteria: Spend Rs. 1,00,000 in a year to have the annual fee waived.
• Rewards Redemption Fee: Rs. 99
• Interest Rate: 3.6% per month (43.2% annually)
• Fuel Surcharge: 1% fuel surcharge waiver on all fuel transactions.
• Cash Advance Charges: 2.5% of the amount withdrawn or Rs. 500, whichever is higher.
• Add-on Card Fee: Nil

• Q: How can I apply for the HDFC Regalia First Credit Card?
  A: You can apply for the HDFC Regalia First Credit Card online through the HDFC Bank website or by visiting an HDFC Bank branch.
• Q: What is the eligibility criteria for this card?
  A: Eligibility criteria typically include a minimum age, income requirement, and credit score. Check with HDFC Bank for the specific criteria.
• Q: How do I redeem reward points with this card?
  A: You can redeem your reward points for various options, including travel bookings, products, vouchers, and cashback. Check the HDFC Rewards Redemption Catalogue for more details on redemption options.
• Q: What are the benefits of Priority Pass membership?
  A: Priority Pass membership provides you with access to airport lounges worldwide, enhancing your travel experience with comfortable lounge facilities.