Regalia First Credit Card

What’s In Store For You

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Card Benefits and Features

Know More About the Card

MyCards

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
  • Single Interface
    One unified platform for Credit Cards, Debit Cards, FASTag and Consumer Durable Loans 
  • Spends tracking
    Simple interface to track all your spends
  • Reward Points
    View and redeem points at the push of a button
Card Management and Controls

Card Benefits

  • Earn 4 Reward Points on every ₹150 spent. 

  • Effective September 1st, 2024, Earn 3 Reward Points on every ₹150 spent on all retail spends excluding wallet, EMI and petrol.

  • Bonus 7,500 Reward Points on ₹ 6 lakh spends and additional 5,000 Reward Points on ₹ 9 lakh spends in an anniversary year.

  • Redeem your reward points against statement.

Card Management and Controls

Lifestyle Benefits

  • Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India  
    (on minimum transaction of ₹400 and maximum transaction of ₹5000. Max CashBack of ₹500 per statement cycle). Click here for more details.

  • Exclusive dining privileges: Enjoy amazing dining benefits with Good Food Trail program

    • Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout (20,000+ restaurants),
    • Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done Swiggy App.
    • Click here for more details
Card Management and Controls

Usage Perks

  • Utility Bill Payments: Register your Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. You can then ensure that all your utility bills are paid on time, conveniently and easily. Get assured CashBack up to ₹ 1800 in the first year and exciting e-vouchers worth up to ₹800 for adding 2 or more bills on Smart Pay. For more details click here 

  • Zero Lost card liability: In the unfortunate event if you lose your HDFC Bank Business Regalia credit card, report it immediately to our 24-hour call centre. After reporting the loss, you have zero liability on any fraudulent transactions made on your card. 

  • Revolving Credit: Enjoy Revolving Credit on your Credit Card at nominal interest rate, refer Fees and Charges section. 

  • Foreign Currency Markup: Lowest foreign currency mark up of 2% on all your foreign currency spends. 

  • Renewal offer: Renewal fee waived off if you spend more than 1 lakh in the previous year.

Card Management and Controls

Rewards Programme

Splurge to your heart’s content with the best-in-class rewards programme on your Business Regalia First Credit Card. Terms and conditions

  • 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:

  • Travel and entertainment bookings on Smartbuy 

  • 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.

  • Exciting gifts from an exclusive rewards catalogue

  • Alternately, you can convert Reward Points into AirMiles of leading domestic and international airlines.

With effect from 1st January 2023:

  • 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.

Card Management and Controls

Travel Benefits

Unleash the power of your Reward Points like never before on www.hdfcbankregalia.com , an exclusive portal for Business Regalia First credit cardholders. 
You can choose to redeem your Reward Points instantly against:

  • Airline ticket booking

  • Hotel booking

Airport lounge access & comprehensive protection

  • Airport Lounge Access & Comprehensive Protection Benefit offers discontinued*.   
    Know more.

Fees and Charges

Fees & Charges

  • 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.

  • Please Click here to view details of Business Regalia First Credit Card Fees and Charges applicable.

  • Important information: Your Card Member Agreement, Most Important Terms & Conditions and Other Important documents pertaining to your credit card can be accessed digitally. Click here.

Card Control and Redemption

Most Important Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
Comprehensive Protection

Know More About the Card

MyCards

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
  • Single Interface
    One unified platform for Credit Cards, Debit Cards, FASTag and Consumer Durable Loans 
  • Spends tracking
    Simple interface to track all your spends
  • Reward Points
    View and redeem points at the push of a button
Card Management and Controls

Card Control and Redemption

  • Redeem Reward Points on SmartBuy via the exclusive Rewards Catalogue for flights and hotels.

  • Convert Reward Points into AirMiles and rupees in the following manner:

Redemption Option Value of 1 Reward Point (RP) Platform
Flights and hotel bookings ₹0.30 SmartBuy
Airmiles conversion 0.3 Airmiles Netbanking
Products and
vouchers		 Up to ₹0.25 Netbanking or SmartBuy
Cashback ₹0.15 Applicable Platform

  • 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.

  • Pay the remaining balance of around 30% with your credit card.

Card Management and Controls

Comprehensive Protection

  • Accidental air death cover worth ₹50 lakh

  • Emergency overseas hospitalization up to ₹10 lakh in case of emergencies

  • Lost card liability cover of up to ₹5 lakh
  • Click Here to update your nominee details.
  • Click here to view the policy.
Card Management and Controls

CashBack with SmartPay:

  • SmartPay is an auto-payment feature on your Credit Card for paying utility bills.

  • Up to ₹1,800 Cashback in the first year.

  • e-Vouchers worth ₹800 for adding 2 plus bills on SmartPay.

Card Management and Controls

Fees and Renewal

  • 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
  • Click here to view details of Business Regalia First Credit Card Fees and Charges
Card Management and Controls

Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
Comprehensive Protection

Frequently Asked Questions

The Regalia First Credit Card is a Credit Card from HDFC Bank, that boasts an array of exceptional features and benefits ranging from CashBack and Reward Points to dining experiences and comprehensive insurance protection, among other things.

You need to check the documents you received with the Regalia First Credit Card to understand the individual limits. You can also learn about interest rates on purchases and free credit periods from the same document. However, the maximum limit of the card often depends on your credit score, credit history, your account history with the bank, and other related factors.

HDFC Bank Regalia First Credit Card used to offer complimentary airport lounges access as a part of its travel benefits. However, from December 1, 2023, the lounge benefit has been discontinued.

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.

Currently, new applications for the Regalia First Credit Card are not being accepted. However, you can explore a range of other Credit Cards that may suit your needs. Click here to view our available options and find the right card for you.