HDFC Bank Regalia First Credit Card
HDFC Bank · Closed to new applicants
HDFC's entry-level Regalia card, no longer offered to new customers: 3 reward points per ₹200 (from 15 May 2026), a ₹1,000 fee waived at ₹1 lakh a year, and points worth 10 paise against the statement or up to 30 paise on flights and hotels through SmartBuy. Lounge access was withdrawn from 1 December 2023.
- Annual fee
- ₹1,000 + GST a year
- Joining fee
- ₹1,000 + GST
- Fee waiver
- Annual fee waived on ₹1,00,000 spend per card year
- Base rate
- 3 points per ₹200 on retail spends (from 15 May 2026): 3 Reward Points per ₹200 (about 0.15% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 23 Oct 2026
Earns nothing on
- No points on fuel, wallet loads or EMI
- No points on rent or government-related payments (from 1 January 2023)
- No points on education-related payments (from 1 January 2023)
- No points on online skill-based gaming (from 1 July 2025)
- No points on education fees paid through third-party apps (from 1 September 2024)
Where the sources disagree
- insurance covers: The page's feature tile gives accidental air death ₹1 crore, overseas hospitalisation ₹15 lakh and lost card liability ₹9 lakh; its comprehensive protection section gives ₹50 lakh, ₹10 lakh and ₹5 lakh. HDFC's letter to Business Regalia First holders discontinued its insurance and lounge benefits from 1 October 2023. None is entered.
- base reward rate before 15 May 2026: The product page body says "Earn 4 Reward Points on every ₹150 spent" and "effective 1 September 2024, 3 Reward Points on every ₹150" (text shared with other Regalia pages); the 15 May 2026 letter and the page's tile say 3 points per ₹200. The letter is used for today; the earlier rate is unverified.
- monthly limit on points: The page says a maximum of 25,000 reward points a calendar month; the MITC fair usage policy says 25,000 a statement cycle. The MITC is used.
Terms the calculator does not value
- The product page lists an annual spend milestone (bonus points on ₹3 lakh and ₹6 lakh, or on ₹6 lakh and ₹9 lakh; the page gives both), insurance covers (air accident, overseas hospitalisation, lost card) and SmartPay cashback of up to ₹1,800 in the first year plus ₹800 of e-vouchers. The figures contradict each other on the page and the page mixes in Business Regalia First text, so none is entered.
- SmartBuy accelerated earn rates are not documented for this card. Reward points on SmartBuy purchases are valued at the base rate.
- Up to 20% savings on restaurant bills through Swiggy Dineout, offer terms not entered.
Sources
- HDFC Bank Regalia First Credit Card product page (Product page, the bank's own, read 20 Oct 2026)
- HDFC Bank letter "Updates on your credit card rewards, fees & charges", effective 15 May 2026 (linked from the Regalia First page) (Bank notice, the bank's own, read 20 Oct 2026)
- HDFC Bank credit cards Most Important Terms and Conditions (Key Fact Statement), version 4.15, updated 17 October 2026 (Most important terms (MITC), the bank's own, read 20 Oct 2026)
- HDFC Bank credit cards listing (explore credit cards) (Product page, the bank's own, read 20 Oct 2026)
- HDFC Bank letter on airport lounge access and insurance, 1 October 2023, to Business Regalia First holders (linked from the Regalia First page) (Bank notice, the bank's own, read 20 Oct 2026)