HDFC Bank
VISA•••• •••• •••• 4242
HDFC Bank Regalia First Credit Card
HDFC Bank Regalia First Credit Card
HDFC Bank
Annual Fee
₹1,000
Effective Rate
0.35%
Network
VISA
Point Value
₹0.35/pt
About HDFC Bank Regalia First Credit Card
3 RP/₹150 base. 7,500 bonus RP on ₹6L spend; 5,000 bonus RP on ₹9L spend. 5% cashback electricity/telecom/tax (₹500 cap, first year). Lounge access discontinued Dec 2023.
Best For
Pros & Cons
thumb_upPros
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹1,000 with no waiver option
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.35 — an effective return of 0.35% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 2% | 200 pts≈ ₹70 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the HDFC Bank rewards portal. Redemption value may vary by option.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1,00,000 (ANNUAL)
Annual renewal fee waived on ₹1,00,000 annual spend.
Spend ₹6,00,000 (ANNUAL)
7,500 bonus RP on ₹6,00,000 annual spend.
Spend ₹9,00,000 (ANNUAL)
5,000 additional bonus RP on ₹9,00,000 annual spend.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HDFC Bank website.
| Annual Fee | ₹1,000 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about HDFC Bank Regalia First Credit Card.
Ready to apply for HDFC Bank Regalia First Credit Card?
Apply directly on the HDFC Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.