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HDFC Regalia First Credit Card

The Regalia Credit card series by HDFC is highly coveted and among its top offerings is the Regalia First Credit Card. This card is a gateway to exclusive travel perks and luxurious lifestyle advantages. It rewards you with points for all your spending, from retail purchases to paying bills and rent. Furthermore, it elevates your travel experience by granting you access to prestigious airport lounges worldwide through Priority Pass. Alongside this, you can savor enticing dining benefits through the Good Food Trail Program.

As an added incentive, the card offers bonus rewards of up to 8,500 reward points each year through its renewal and milestone benefits.

Key Highlights of HDFC Bank Regalia First Credit Card

  1. Spend Rs. 1 lakh in the first 12 months for a renewal fee waiver in the following membership year.
  2. HDFC Bank’s ‘Good Food Trail’ program offers up to 40% dining bill discounts at partner restaurants in your city.
  3. Get 3 complimentary visits to priority pass lounges abroad each calendar year. Apply for priority pass membership after 4 transactions in the last 60 days.

Features and Benefits of HDFC Regalia First Credit Card

The HDFC Regalia First Credit Card presents a myriad of perks and advantages to its users.

1. Travel Benefits:

  • Enjoy Priority Pass Program membership for access to 1,000+ global airport lounges.
  • Get 3 free visits to international Priority Pass lounges each year after 4 transactions in 60 days.
  • Rs. 50 lakh compensation for air accidents to nominated kin.
  • 8 free lounge visits within India through Visa/MasterCard Lounge Access Program.

2. Insurance Benefits:

  • Rs. 10 lakh medical emergency protection in foreign countries.
  • Up to Rs. 5 lakh credit liability and lost card liability cover.

3. Annual Fee Waiver:

  • Spend Rs. 1 lakh in the first 12 months for a renewal fee waiver in the next membership year.

4. Dining Benefits:

  • ‘Good Food Trail’ program for up to 40% discount at partner restaurants.

5. Fuel Benefits:

  • 1% surcharge waiver on fuel transactions (Rs. 400 to Rs. 5,000).

HDFC Bank Regalia First Credit Card Fees and Charges

Below outlines the various fees and charges linked to the HDFC Bank Regalia First Credit Card:

  1. First Year Membership Fee: Rs. 1000/- + Taxes
  2. Renewal Membership Fee: Rs. 1000/- + Taxes
  3. Welcome Benefit: 1000 Reward Points (after fee realization, not when waived)*
  4. Spend Rs. 1,00,000 in 12 months to waive the Renewal Fee for the next year.
  5. Inactive Card: The Bank may cancel the Card if it’s unused for 6 months after prior written notice to registered contact details.

HDFC Bank Regalia First Credit Card Eligibility

To be eligible for the HDFC Bank Regalia First Credit Card, you need to meet these requirements:

  • Age: The main applicant should be at least 21 years old.
  • Income: You should have a monthly income of at least Rs. 30,000.

Documents Required for HDFC Regalia First Credit Card

To apply for the HDFC Regalia First Credit Card, you’ll need specific documents:

  1. Proof of Address: Valid options include Voter ID Card, Aadhar Card, Utility bills in the applicant’s name, Driver’s License, and Passport.
  2. Proof of Identity: You can use Aadhar Card, Driving License, PAN Card (or Form 16 if you don’t have a PAN Card), and Voter ID Card.
  3. Proof of Income: Acceptable proofs of income are either pay stubs from the last three months or a bank statement from the last three months. Alternatively, you can provide your Income Tax Return (ITR) or Form 16 as evidence of income.

How to apply for HDFC Bank Regalia First Credit Card

Getting an HDFC Bank Regalia First Credit Card is easy, with online and offline options. To apply online, follow these steps:

  1. Visit HDFC Bank’s official website.
  2. Navigate to ‘Credit Cards’ under the ‘Borrow’ section.
  3. Browse the HDFC Bank Credit Card options.
  4. Select the HDFC Bank Regalia First Credit Card under ‘Lifestyle Credit Cards’ and click ‘Apply Now.’
  5. Begin the application by entering your mobile number, verifying it, and completing the online form.

Frequently Asked Questions (FAQs)

1. What exactly does the HDFC Bank Regalia First Credit Card offer?

HDFC Bank Regalia First Credit Card is a premium credit card offering exclusive benefits, rewards, and privileges. It is designed for individuals who seek a combination of lifestyle benefits and financial convenience.

2. What’s the process for obtaining an HDFC Bank Regalia First Credit Card?

You can apply for the Regalia First Credit Card through the HDFC Bank website, by visiting a branch, or by contacting the customer service helpline. The bank will guide you through the application process.

3. What are the key features of HDFC Bank Regalia First Credit Card?

The key features include travel and lifestyle benefits, reward points on transactions, airport lounge access, fuel surcharge waiver, and exclusive discounts on dining and shopping.

4. What are the eligibility criteria for HDFC Bank Regalia First Credit Card?

The eligibility criteria may vary, but generally, you need to meet age, income, and credit score requirements. It’s advisable to check the specific criteria on the HDFC Bank website or contact the bank directly.

5. What is the annual fee for HDFC Bank Regalia First Credit Card?

The annual fee varies, and there might be an annual fee waiver based on the spending pattern. Check the latest fee structure on the HDFC Bank website or contact customer service for details.

6. How can I check my HDFC Bank Regalia First Credit Card statement?

You have the option to review your credit card statement digitally either via HDFC Bank’s net banking platform or their mobile application. Electronic statements are dispatched to the email address you have on file.

7. What are the travel benefits offered by HDFC Bank Regalia First Credit Card?

The card provides travel benefits such as complimentary airport lounge access, travel insurance coverage, and discounts on hotel bookings and flight tickets. Refer to the card’s terms and conditions for specific details.

8. How do I redeem the reward points earned on my Regalia First Credit Card?

You can redeem your reward points through the HDFC Bank rewards portal for a variety of options, including flight and hotel bookings, merchandise, and gift vouchers. The redemption process can be done online.

9. Is there a foreign transaction fee on HDFC Bank Regalia First Credit Card?

Yes, there may be a foreign transaction fee applicable. It’s recommended to check the specific fees and charges associated with international transactions in the credit card terms and conditions.

10. What should I do if my HDFC Bank Regalia First Credit Card is lost or stolen?

If your card is lost or stolen, don’t hesitate to contact HDFC Bank’s customer service hotline right away. They’ll assist you in blocking the card and getting a new one issued without delay.