The HDFC Regalia First Credit Card is a rewards-based credit card issued by HDFC Bank on the Visa network. It sits in the Regalia family of cards, positioned below the HDFC Regalia and HDFC Regalia Gold as the most affordable option with a joining and annual fee of Rs. 1,000 each.

• Part of the HDFC Bank Regalia family of premium credit cards
• Visa network with contactless payment capability
• Reward points that can be redeemed on SmartBuy for flights, hotels, and more
• Annual fee waiver available on spending Rs. 1 lakh per year
• Includes complimentary insurance coverages by HDFC Ergo

Earn 3 Reward Points for every Rs. 150 spent on all retail transactions (effective September 2024). This translates to an effective reward rate of approximately 0.6% when redeemed on SmartBuy for travel bookings. Reward points can be earned on insurance, utility, and most online/offline purchases.

Milestone Bonuses

Earn 5,000 bonus Reward Points (worth Rs. 1,500) on annual spending of Rs. 3 lakh, and an additional 2,500 bonus Reward Points (worth Rs. 750) on annual spending of Rs. 6 lakh in each anniversary year. Combined with the welcome and renewal bonuses, total annual milestone value can reach Rs. 2,550.

Dining Benefits

Enjoy up to 20% savings on restaurant bill payments via Swiggy Dineout at over 20,000 partner restaurants across India through the Good Food Trail program.

SmartPay Utility Payments

Get up to Rs. 1,800 cashback in the first year and exciting e-vouchers worth up to Rs. 800 for adding 2 or more bills on SmartPay auto-payment feature.

Insurance Coverage

Complimentary insurance provided by HDFC Ergo including Rs. 1 Crore air accident cover, Rs. 15 lakh emergency overseas medical expenses cover, and Rs. 9 lakh lost card liability cover.

Fuel Surcharge Waiver

1% fuel surcharge waiver on all fuel transactions between Rs. 400 and Rs. 5,000 at all fuel stations across India, with a maximum waiver of Rs. 500 per statement cycle.

• 1,000 Reward Points (worth Rs. 300) on successful realization of the joining fee

Renewal Bonus

• 1,000 Reward Points (worth Rs. 300) on payment of the renewal fee each year
• Note: Renewal bonus is not applicable if the renewal fee is waived

Milestone Rewards

• 5,000 Bonus Reward Points (worth Rs. 1,500) on annual spends of Rs. 3 lakh or more in each anniversary year
• Additional 2,500 Bonus Reward Points (worth Rs. 750) on annual spends of Rs. 6 lakh or more in each anniversary year

Fee Waiver

• Renewal fee of Rs. 1,000 waived on spending Rs. 1 lakh or more in the previous anniversary year

Important Update: The complimentary airport lounge access benefit on the HDFC Regalia First Credit Card has been discontinued effective December 1, 2023.

Previous Lounge Benefits (Now Discontinued)

• 8 complimentary domestic airport lounge visits per year via Visa/MasterCard Lounge Access Program
• 3 complimentary international airport lounge visits per year via Priority Pass
• Priority Pass membership available after completing 4 retail transactions in 60 days

All other card benefits including rewards, dining, insurance, and fuel surcharge waiver remain active.

Earn 3 Reward Points for every Rs. 150 spent on all retail transactions (effective September 1, 2024). The following transactions do not earn reward points:

• Fuel transactions
• Wallet loading (Paytm, PhonePe, etc.)
• EMI transactions
• Rent payments (since January 2023)
• Education payments (since January 2023)

Monthly Caps

• Maximum 25,000 Reward Points per statement cycle
• Grocery rewards capped at 2,000 Reward Points per month
• Utility rewards capped at 2,000 Reward Points per month

Redemption Options

Up to 70% of booking value can be redeemed through Reward Points on SmartBuy. Maximum 5 redemptions per month (effective February 2026).

Points Expiry

Reward Points have a validity of 2 years from the date of accrual. Points validity is refreshed on card renewal, replacement, or upgrade.

• Indian citizen, minimum 21 years of age
• Salaried individuals with minimum monthly income of Rs. 30,000
• Self-employed professionals with adequate income proof
• Good credit score (CIBIL score of 700 or above recommended)
• Maximum age: 60 years for salaried applicants

Note

HDFC Bank may not currently accept new applications for the Regalia First Credit Card. Existing cardholders continue to enjoy all features and benefits. HDFC Bank may offer this card to select customers based on their relationship with the bank.

• PAN Card (mandatory)
• Aadhaar Card
• Driving License
• Voter ID Card
• Passport

Income Proof

• Salary slips for the last 3 months
• Bank statements for the last 3 months
• ITR (Income Tax Return) for the last 2 years
• Form 16

Address Proof

• Aadhaar Card
• Utility bills (electricity, gas, phone)
• Bank statement
• Passport

1. Visit the HDFC Bank website at www.hdfc.bank.in
2. Navigate to Credit Cards section and find Regalia First
3. Click on "Apply Online" button
4. Fill in your personal and financial details
5. Submit the application along with required documents
6. HDFC Bank will verify your details and communicate the decision

Offline Application

1. Visit your nearest HDFC Bank branch
2. Request the credit card application form for Regalia First
3. Fill in the form and submit with required documents
4. The bank will process your application and inform you of the decision

Track Application Status

You can track your HDFC Regalia First Credit Card application status online by visiting the HDFC Bank application tracking page and entering your mobile number and application number.

The HDFC Regalia First Credit Card remains a solid option for individuals seeking an affordable premium credit card with a well-rounded benefits package. At Rs. 1,000 per year (easily waivable with Rs. 1 lakh annual spend), the card offers decent reward points earning on most spend categories, attractive milestone bonuses worth up to Rs. 2,250 annually, dining discounts, and comprehensive insurance coverage.

The biggest drawback is the discontinuation of airport lounge access since December 2023, which was previously one of the card strongest selling points. The base reward rate of 0.6% is also on the lower side. However, for moderate spenders who value milestone bonuses and insurance coverage more than lounge access, the Regalia First continues to deliver good value for its price point.