HDFC Bank Regalia First Credit Card Review

By | February 10, 2021

HDFC is one of the best growing banks in the country. It has a good-will in the market and among customers. It is so successful with its premium offering Regalia credit card, so that everyone wants it. HDFC Regalia is a replacement of Allmiles credit card. Earlier HDFC Bank used to issue Allmiles credit card for those who’re not eligible for the Regalia.

Original Regalia is the Regalia Business, this a lower version of it and replaced version of Allmiles.

HDFC Fees and Charges 

Membership FeesRs.1000+Tax
Renewal FeeRs.1000+tax
Welcome Benefit1000 RP
Minimum Limit1 Lakh

HDFC credit card Reward Points

4Reward Points For every 150INR Retail Spend
1 Reward Point 0.30INR
Reward Rate0.8%(approx.)

Spends Benefit

Earn 5,000 Reward Points on annual spends of Rs. 3,00,000 or more in each anniversary year.

Additionally you can earn 2500 Reward Points on annual spends of Rs.6,00,000 more in each anniversary year.

This means that if you spend 6,00,000 per year you’ll get a good percentage of reward rate. 

Apply Now

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Check Similar
American Express Gold Charge Card


Offers by HDFC

Every now and then HDFC provides various kinds of rewards with merchants to give you 2x/5x/10x of the reward points. These reward points are used for many purposes. Hence, keep an eye on the offers every time

Reward Points Redemption

If you wanted to get maximum out of the collected points then redeem your reward points for flights or hotel booking. If you use your points for shopping and other leisure activities then you end up losing points for nothing. 

How to redeem reward points in HDFC credit card

Many of the beginner customers want to redeem reward points in terms of cashbacks. Shopping and travel vouchers don’t excite many of the card holders. If you are one of them, then HDFC has come up with very good news for you. You can redeem these rewards points in the form of credit in your credit card statement.

How to redeem?

Here are the steps to be followed to redeem your credit card reward points to cash

  • Login to HDFC Netbanking
  • Go to Cards > Enquire > Redeem reward Points > choose card & proceed
  • You’re now on the newly revamped Redemption Portal.
  • Go to Redeem Reward Points > Cash Redemption
  • Enter details and proceed
  • Expect cash credit in ~7 working days
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Should you convert points to cash?

Converting points to cash is good for the customers who don’t use online shopping or make use of vouchers in each of their transactions. It is also beneficial if you have points expiry near and you don’t have any travel plan or as such where you can redeem these points. On the other hand, it is also required to keep in mind that it instantly reduces the point value by flat 50% when converting into cash.

Dining Experience

Experience the Good Food Trail dining program at premium restaurants across top cities.

Other benefits

  • Accidental air death cover worth Rs.50 lakhs 
  • Emergency overseas hospitalization up to Rs.10 lakhs in case of emergency
  • Credit Liability cover of up to Rs.5,00,000

Travel Benefit 

Lounge Access for Domestic Airports

Access via: Visa Signature/Mastercard
Limits: 8 access per year (both national and international terminal)

Visa customers are charged Rs.2 on their lounge access. On the other hand, Mastercard holders are charged Rs.25 which is refunded after sometime.    

Lounge Access for International Airports

Access Via: Priority Pass
Limits: 3 access per year (shared between Primary & Add-on cards)

Customers exceeding the 3 complimentary visit would be charged at US $27 + GST per visit 

To know about your HDFC credit card lounge access history

Please write a letter to [email protected] Please provide name, complete 18 digit Priority Pass number and state that PP Membership is via HDFC Bank program. If there is more than 1 Priority Pass number (belonging to add on PP holders), then please provide all the PP Numbers.

How to apply for HDFC credit card

  • New Application: >7.2 Lakh Annual Income (Branch/Online)
  • HDFC Classic Banking: If you’re a Classic Customer for >6 months with good Balance/AQB, you’ve higher chances to get Regalia First if the above condition is not met.
  • Upgrade: Limits above 1.5 Lakh on existing HDFC card (Moneyback) with good spends would help.
  • Apply Now

Bottom line

HDFC bank is doing great in terms of banking services. The premium cards provided by the bank allow customers to fulfill their travel desires and leisure needs. They are providing their premium cards to regular customers as well. And the most important one, that this card is the way to reach the super premium Regalia Business card. The original Regalia. 


How do I change my password?

After you have logged in, you can change your password using the “Change password” option in the top part of the screen. You have to type your current password and the new password you have chosen in their respective boxes.

When will I receive my changed ATM PIN?

You will receive your new ATM PIN by post within 10 days from when your request has been submitted.

Can I get my newly generated PIN online?

No, for security reasons we send you your ATM PIN only by post.

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