Regalia First Credit Card

Rewards, as stated by the issuer

• Earn 3 Reward points per 200 spent
• 7,500 Bonus RP on ₹6 lakh spends & 5,000 Bonus RP on ₹9 lakh spends per anniversary year
• Redeem RP for statement credit, travel, gifts or AirMiles
• 4 Reward points for every ₹ 150 spent
• The maximum 25,000 Reward Points can be earned in a statement cycle for your Business Regalia First Credit Card
• Accumulate and redeem Reward Points for:
• For flight and hotel bookings, Business Regalia Credit Card members can redeem up to maximum of 70% of booking value through Reward Points. Rest will have to be paid via Credit Card. This is effective 25.11.2019
• Alternately, you can convert Reward Points into AirMiles of leading domestic and international airlines
• Rent payment and Education related transactions will not earn reward points
• Reward points earned on Grocery transactions will be capped to 2,000 per month
• Redemption of Travel Reward Points will be capped at 50,000 points per month
• Airmiles conversion
• 0.3 Airmiles
• Up to ₹0.25
• Get 5,000 Reward Points on spending ₹3 lakh+ annually during each card anniversary.*
• Earn 2,500 extra Reward Points on spending ₹6 lakh+ annually during each anniversary.*
• A maximum of 25,000 reward points can be earned in a calendar month
• Use points on SmartBuy to redeem up to 70% of booking value on flights, hotels, and more

Other benefits

• Dining Benefits up to 20% savings via Swiggy Dineout (20,000+ restaurants
• Utility Bill Payments via SmartPay with CashBack & vouchers
• Renewal Fee Waiver on annual spends above ₹1 lakh
• 5% CashBack on electricity, telecom, tax payments (₹500 max, first year only
• Pre-approved loans & cash withdrawal facility
• Hassle-free tax payments via credit card
• Accidental air death cover worth Rs. 1 Crore (USD 125,000
• Emergency overseas hospitalization: up to Rs. 15 lakhs (USD 18,750
• Lost Card Liability Cover : Upto Rs 9 lakhs
• MyCards , a mobile-based service platform for all Credit Card needs, facilitates convenient activation and management of your Regalia Gold Credit Card on the go. It ensures a seamless experience without the need for passwords or downloads
• Credit Card Registration and Activation
• Set up your Card PIN
• Manage Card Controls like Online Spends, Contactless Transactions
• View Transactions / Download e-Statements
• Check Reward Points
• Block/ Re-Issue Your Card
• Apply for an Add-on Card, Manage, Set PIN and Card Controls for Add-on card
• Earn 4 Reward Points on every ₹150 spent

Lounge access

No airport lounge rule is listed on this card's page.

Every fee line found on the page

• Renewal Fee Waiver on annual spends above ₹1 lakh
• Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India
• Foreign Currency Markup: Lowest foreign currency mark up of 2% on all your foreign currency spends.
• Joining/Renewal Membership Fee: ₹ 1,000/- plus Applicable Taxes
• Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.
• Get 5,000 Reward Points on spending ₹3 lakh+ annually during each card anniversary.*
• Earn 2,500 extra Reward Points on spending ₹6 lakh+ annually during each anniversary.*
• Joining Membership Fee: ₹1,000 plus Applicable Taxes
• Membership Renewal Fee 2 nd year onwards: ₹1,000 plus Applicable Taxes per year
• o Waive renewal fees of ₹1,000 on annual spends of minimum ₹1 lakh on your
• This depends on the HDFC Bank and its policies regarding such offers. However, if you spend ₹1 lakh in a year, you can get your renewal fees of the Regalia First Card waived.