HDFC Regalia First Credit Card
HDFC Bank · Reward Points · Reward Points
This comprehensive guide covers the HDFC Regalia First Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The HDFC Regalia First Credit Card from HDFC Bank offers reward points rewards redeemable as reward points. Top earning categories include 4x reward points per rs. 150 on dining, travel and entertainment and more. Annual fee is ₹1,000 (waived on spends of rs. 1,50,000 per year).
Best for: Dining, Travel, Entertainment, General Online
Official product page → Official rules →
Waiver: Waived on spends of Rs. 1,50,000 per year
Reward Rules
- 2.67 pts/$100 4x Reward Points per Rs. 150 on dining, travel and entertainment
- 1.33 pts/$100 2x Reward Points per Rs. 150 on all other spends
Important Notes
- Welcome benefit of 2500 Reward Points on first spend.
- 4 domestic airport lounge visits per year (2 per quarter).
- Fuel surcharge waiver at HPCL fuel stations.
- Milestone benefit of 2500 RP on spends of Rs. 80,000 per quarter.
- Annual fee waived on spends of Rs. 1.5L per year.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
HDFC Regalia First Credit Card vs Similar Cards
- Axis Bank Magnus Credit Card — Reward Points · ₹10,000
- Axis Bank Magnus Burgundy Credit Card — Reward Points · ₹12,000
- Axis Bank MyZone Credit Card — Reward Points · ₹500
Maximize Your Rewards
To earn the highest rewards, use the HDFC Regalia First Credit Card for its bonus categories: Dining, Travel, Entertainment, General Online, Electronics Accessories.