HDFC Bank Regalia First Credit Card: Everything You Need to Know about Features, Benefits and Rewards

Exclusive Benefit on HDFC Bank Regalia First Credit Card Amex

Here's a premium offering from us - the HDFC Bank Regalia First Credit Card is an exclusive and crafted to cater for individuals looking for a perfect blend of luxury, convenience and rewards. Offering lots of travel, lifestyle and insurance perks, it’s perfect for anyone looking to boost their lifestyle without paying high fees. No matter if you are a regular flyer, foodie or looking for luxurious experiences, HDFC Bank Regalia First Credit Card has something for everyone.
In this post, we will offer you a 2000-word overview of the HDFC Bank Regalia First Credit Card. We'll share the features, benefits, rewards, requirements, and more to help give you a clear picture about why it could be the perfect card for you.

Highlights of HDFC Bank Regalia First Credit Card

The HDFC Bank Regalia First Credit Card is a mid-market credit card with a variety of lifestyle benefits and its one of most popular credit card in India. From earning rewards on dining and groceries to access to airport lounge and insurance cover, the Regalia First Credit Card offers everything you could ask for.
It’s a good option if you’re someone who wants a robust credit card that can bring value to your life through a rewards program as well as other benefits, such as travel and dining deals and insurance coverage. With HDFC Bank’s excellent customer service and its support network for clients, it comes as no surprise that it’s the favourite card among the premium card holders of the card.

HDFC Bank Regalia First Credit Card Features : Key Highlights

Reward Points System

The one thing that serves as one of the prime draw of the HDFC Bank Regalia First Credit Card is their amazing reward points. The card earns reward points on almost all purchases, making it an excellent vehicle for stacking rewards.

• 2 Reward Points for every ₹150 on all retail purchases.

• 5x reward points on foreign purchases (with a cap of 15,000 reward points per month).
  Offering plenty of reward points per dollar spent, the card is a great way to reserve points for loads of available rewards. Rewards range from travel vouchers and gadgets to guest passes and gift cards.

Reward Redemption

Earned reward points on your HDFC Bank Regalia First Credit Card can be spent on HDFC SmartBuy portal or at partner merchants.

• You can use the points for flight tickets, shopping vouchers, hotel stays, gadgets and more.

• 1 Reward Point = ₹0.25 (upon redemption for flight and hotel bookings).

• 1 Reward Point = ₹0.10 for all other redemptions, including merchandise and gift cards.
  With this much flexibility in cashing in your points, the rewards add up quickly.

Airport Lounge Access

HDFC Bank Regalia First Credit Card is for those who are always on move as under this card, people will have exclusive access to international and domestic airport lounges. Cardholders get:

• Access to Domestic Lounge: 8 free visits per year (2 per quarter).

• International 2 free visits per year to over 1000 airport lounges around the world for you, your spouse and children under 21 (valued at up $27 each).
  One of the most desired perks of frequent travel is the ability to access airport lounges so you can while away the hours before your flight in a comfortable setting, secure Wi-Fi, free food and beverages — and more. The HDFC Bank Regalia First Credit Card offers a luxurious lifestyle with exclusive access to over 1000 lounges across the globe.

Insurance Benefits

With the HDFC Bank Regalia First Credit Card, you get wide range of insurance policies to safeguard you during travel and shopping.

• Travel Insurance: You receive travel insurance protection for medical emergencies, lost luggage, trip cancellation and more with this card.

• Purchase Protection: Offers coverage protection (up to $500 per claim and $50,000 per account) against theft, damage, or loss on eligible items purchased with an eligible card.

• Lost Card Liability: You are not responsible for unauthorized transactions after your card is reported lost or stolen.
  And with this much coverage, you can rest easy knowing that you are covered on situations that are unexpected.

Fuel Surcharge Waiver

Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on fuel transaction of ₹400- ₹5,000 with the Card.
Every month, you can save on fuel bills by getting an outright maximum waiver of ₹100. This can be especially valuable to someone who frequently swipes their credit card for everyday items, such as filling up the gas tank.

Dining Benefits

Dining benefits Enjoy dining benefits at partner restaurants across India with the HDFC Bank Regalia First Credit Cardholders as well.

• 10 percent off at select fine-dining restaurants and online food delivery service providers through HDFC’s tie-ups with platforms like Zomato and EazyDiner.
  And the best part: These discounts are available year round, so this card is great for foodies and anyone who eats out a lot.

Travel Benefits

Overseas Spends: As I pointed out earlier, HDFC Regalia first credit card – 5x Rewards Normal (few days in an year) So this points can accumulate faster if you travel international.

• Foreign Currency Mark-up Fee: Internationally, a credit card with foreign currency mark-up fee of 2% is significantly low as compared to other premium credit cards.

Interest-Free Credit Period

Interest-free credit for up to 50 days on all purchases – The HDFC Bank Regalia First Credit Card offers an interest-free period of 50 days, during which you can make purchases without any interest. You pay no interest if you pay your full balance before the due date.

Benefits for Frequent Travelers

Airport Lounge Access

• Priority Pass Membership This Regalia First Credit card offers you complimentary Priority Pass Membership which gives you access to international airport lounges, ideal for globetrotters.

• Domestic Lounge Access: 8 complimentary lounge visits per year can help card holders travel within India in style.

Travel Insurance

The card comes with extensive travel insurance including:

• Medical Emergencies: Emergency Medical Treatment is covered.

• Trip Cancellation: Compensation if your flight is cancelled.

• Baggage Loss: Coverage for your baggage if it is lost or delayed in transit.
  All of this makes the HDFC Bank Regalia First Credit Card a wonderful travel companion for both international and domestic travel.

HDFC Bank Regalia First Credit Card vs Other Premium Credit Cards, which one to Opt?

Compared to another premium credit card such as the Axis Bank Privilege Card or ICICI Bank Sapphiro Credit Card, you can opt for the HDFC Bank Regalia First Credit Card for the following reasons:

• Reward Points: 2 Reward Points/₹ on all other spends for SmartBuy must be highly competitive and reqards for the users who uses the card for more purchases.

• Lounge Access: Most top cards include airport lounge access; Capital One’s 8 domestic lounge visits a year plus 2 international lounge visits through the Priority Pass program can be particularly valuable to frequent travelers.

• Low Annual Fee: Compared to some of the other premium credit cards, which may charge a higher annual fee, the HDFC Bank Regalia First Credit Card is much more affordable with its ₹2,500 annual fee, allowing people to avail of premium benefits without breaking the bank.

Final Word: Is the HDFC Bank Regalia First Credit Card for You?

HDFC Bank Regalia First Credit Card is meant for people wanting premium benefits of travel benefits, discount on dining, rewards, and insurance benefits. If you’re a traveler on the go, a foodie, or simply a person that wishes to amass reward points for life’s daily expenditures, this card is definitely worthwhile.
The Regalia First Credit Card packs in an impressive set of features and rewards to prove that it's a card for the people who want nothing but the best. It offers superb travel perks and coverage which can cater to both domestic and international travelers.
If you’re looking for rewards, luxury and a wide array of perks, then the HDFC Bank Regalia First Credit Card could be a great pick for your wallet.