Review HDFC Bank Regalia (First) Credit Card

Review of the HDFC Bank Regalia (First) Credit Card.

HDFC Bank’s premium product Regalia Credit Card has been a huge success, to the point that everyone wants one. For people who were not qualified for the Regalia, HDFC Bank used to offer the Allmiles credit card. However, HDFC has decided to discontinue distributing Allmiles cards, presumably due to a change in loyalty partner.

As a result, HDFC Regalia First was born — as a worthy substitute for the Allmiles credit card. It’s important to remember that this is the Regalia First, not the original Regalia, which is one level above.

Reward Points Review Regalia First

Reward Rate by Default

• 1 reward point equals 0.30 Indian rupees (when redeemed on regalia portal).

• 4 RP for every 150 INR spent on retail.

• 0.8 percent reward rate

HDFC bank regalia first credit card-REVIEW copy
HDFC bank regalia first credit card-REVIEW copy

Milestones based on spending.

• In each anniversary year, earn 5,000 Reward Points on yearly spending of Rs. 3,00,000 or more.

• In each anniversary year, earn 7,500 Reward Points on yearly spending of Rs. 6,00,000 or more.

• Completion: At the end of the card anniversary year.

So, if you spend Rs.65,000 in a year, you may obtain a reward rate of 1.2 percent, which is rather decent for a card in this price category.


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Review – HDFC Regalia Credit Card

Offers of 5X/10X

HDFC sometimes conducts promotions with various merchants that give you 2x/5x/10x the standard points, thereby double the reward rate. As a result, keep an eye out for special deals from time to time.

Regalia First Points Redemption.

All of the aforementioned reward rates are only achievable when points are used for travel bookings (flights/hotels). You’ll lose a lot of money if you decide to use your points for shopping or other catalog vouchers.

Redemption is simple, and you may use your original Regalia Reward Points to book a vacation to your preferred place, saving up to 25,000 INR on average.

Access to the Lounge.


• Visa Signature/Master Card is required for access.

• Complimentary Restrictions: 8.

• Limits are reset once a year.

It’s worth noting that typical Visa/MC restrictions are set every quarter, but the Regalia cards have a yearlong limit, which is fantastic.


• Priority Pass is required for access.

• Limits on complimentary items: 3 (shared between Primary & Add-on cards).

• Limits are reset once a year.

If you want to check the number of visits left on your card at any time, you must contact Priority Pass directly ( Simply subtract that number from your actual limit to obtain the remaining limitations on your PP card.

Warning: Any trips to domestic lounges or visits to international lounges that exceed the limit will result in a $32 cost per visit.

Other Advantages

• Fee for Foreign Exchange Markup: 2% + GST

• Credit Shield: 50,000 rupees

What is the procedure for applying?

• New Application: Annual Income >7.2 Lakh (Branch/Online)

• HDFC Classic Banking: If you’ve been a Classic Customer for more than 6 months and have a strong balance/AQB, you’ll have a better chance of getting Regalia First if the following criteria aren’t satisfied.

• Upgrade: Spending limits of more than 1.5 lakh on an existing HDFC card (Moneyback) will be beneficial.

Apart from that, most salary account customers are offered HDFC Regalia First even if they do not match the aforementioned eligibility criterion, as long as their employer uses HDFC for banking.


Regalia is a semi-premium credit card, which is a niche market in the credit card business. However, HDFC provides a premium experience even to non-premium clients, and this is how HDFC outperforms the competition.

Below are some cards with similar reward rates.

• Premia from Yesbank.

• Amex MRCC;

• SBI Simply Click;


By giving Premium advantages to frequent clients, HDFC Bank is undoubtedly doing a fantastic job. It also meets the expectations of the present generation in terms of meeting their expanding travel demands. Not to mention, this is not the card to have, but rather the way to obtaining the original Regalia – the real premium credit card.


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