HDFC Bank has a premium collection of credit cards for middle-class or elite customers. It offers a wide range of credit cards that provide many benefits in the form of rewards, cashback, travel benefits, dining benefits, etc. There are many other benefits available on the HDFC Bank Credit Cards including discounts on movie tickets, discounts on fuel surcharges, and many others. Some of the HDFC Bank cards are HDFC Infinia Credit Card, HDFC IndianOil Credit Card, HDFC MoneyBack Credit Card, HDFC Millennia Credit Card, and many more.
In this article, we are going to discuss the HDFC Regalia First Credit Card. Earlier, HDFC used to issue AllMiles Credit Cards for those who are not eligible for the Regalia. Afterward, HDFC stopped issuing Allmiles cards, as it was run by a different loyalty partner. Because of this reason, this card came into existence as a good replacement for AllMiles Credit Card.
Features and Benefits
Mentioned below are the features and benefits of the HDFC Regalia First Credit Card:
Welcome Benefits
Get a welcome bonus of 1,000 Reward Points on successful realization of the joining fee of the HDFC Regalia First Card.
Milestone Benefits
- Get 5,000 Reward Points on annual spending of INR 3,00,000 or more every anniversary year.
- Get an additional 2,500 Reward Points on annual spending of INR 6,00,000 or more every anniversary year.
Dining Benefits
- Get a chance to experience The Good Food Trail program at top restaurants in top cities.
Airport Lounge Access
- Get 8 complimentary access every year to the HDFC Regalia Lounge Access at the airport within India.
- Get a complimentary Priority Pass membership (after 4 successful retail transactions on this credit card) with complimentary access to international lounges up to 3 times a year.
- Get lounge access within India using the Priority Pass will be charged at US $27 per person per visit.
- Getting international lounge access after the 3 complimentary visits will also be chargeable.
Insurance Benefits
Following are the complimentary insurance benefits that come along with HDFC Bank Regalia First Credit Card.
| Category | Insurance Coverage |
| Accidental air death | INR 50 lakhs |
| Medical emergency cover | Up to INR 10 lakhs |
| Credit Liability | INR 5 lakhs |
Renewal Benefits
With the HDFC Regalia First Card, one can earn renewal benefits:
- Once you pay the renewal fee on the credit card, you will earn 1,000 reward points as a renewal bonus.
- You will not get the annual bonus in case the renewal fee is waived.
Fuel Surcharge Waiver
A waiver of 1% on all fuel transactions between INR 400 and INR 5,000 at all fuel stations in India. The waiver amount is capped at INR 500 per billing cycle.
Spend-Based Renewal Fee Waiver
If the cardholder spends an amount exceeding INR 1 Lakh using his credit card in the anniversary year, the renewal fee of INR 1,000 will be waived.
Zero Liability Protection
The HDFC Bank provides its credit cardholders with zero liability protection against a lost or stolen card. According to this, you will not be responsible for any fraudulent transactions made on your lost/stolen card post you have reported this to the bank.
Eligibility Criteria
Mentioned below are the eligibility criteria to apply for the HDFC Regalia First Credit Card:
- The age of the primary applicant should be at least 21 years.
- The minimum income of the applicant should be INR 30,000 per month.
- An applicant should have a decent credit score.
Documents Required
Mentioned below is the list of documents required to apply for HDFC Regalia First Credit Card:
- Proof of Address: Voter ID Card, Aadhar Card, Utility bills in the name of the person requesting the credit card, Driver’s License, and Passport.
- Aadhar Card, Driving License, PAN Card (Form 16 if you don’t have a PAN Card), and Voter ID Card are all acceptable forms of identification.
- Pay stubs for the last three months or a bank statement for the last three months are acceptable forms of proof of income. As proof of income, ITR or Form 16 can also be supplied.
Fees and Charges
Mentioned below are the fees to apply for an HDFC Regalia Credit Card:
| Particulars | Details |
| Annual Fee | INR 1,000 + taxes |
| Finance Charges | 3.6% per month i.e. 43.2% annually |
| Late Payment Charges | Less than INR 100: NIL INR 100 to INR 500: INR 100 INR 501 to INR 5,000: INR 500 INR 5,001 to INR 10,000: INR 600 INR 10,001 to INR 25,000: INR 800 INR 25,001 to INR 50,000: INR 1,100 More than INR 50,000: INR 1,300 |
How to Apply?
Mentioned below are the steps to apply for an HDFC Regalia Credit Card:
Step 1: Open the official website of HDFC Bank.
Step 2: Under “Borrow”, click on “Credit Cards”.
Step 3: Choose HDFC Regalia First Credit Card from the list of credit cards.
Step 4: Click on “Apply Now”.
Step 5: Enter the mobile number for verification purposes.
Step 6: Proceed further to complete the online application process.
How to Activate a Card or Generate a PIN?
Mentioned below are the different methods to activate a credit card or generate a PIN:
Method 1: Visit any nearest HDFC Bank ATM. On the main menu, press “Generate Credit Card PIN”. With the help of a registered mobile number, generate your credit card PIN or change it.
Method 2: Log in to your HDFC Credit Card internet banking account. Under “Manage your Card”, change or generate the credit card PIN.
HDFC Regalia First Credit Card Bill Payment
Mentioned below are the different methods to make HDFC Regalia First Credit Card bill payment:
- Login to the HDFC Internet Banking account. Under the option “Credit Card”, click on “Credit Card Payment” and then enter all required details.
- Visit the HDFC BillDesk page, agree to the terms and conditions, and then click on “Pay”. Enter the details required like card number, email ID, and amount to be paid to make the payment.
- The bill can also be paid via the HDFC mobile app. Under the option “Pay”, click on “Pay your Credit Card Bill”
- Also, mobile wallet-based apps like Paytm, PhonePe, etc. can be used to make bill payments on a credit card.
- If the payments are to be made from an account other than HDFC, NEFT can be used, where a credit card number can be used as the account number.
- One can also visit the HDFC Bank to make credit card bill payments via cheque or cash.