HDFC Bank Regalia First Credit Card

Lounge access

• Airport lounge access and Comprehensive Protection benefits on Business Regalia First were discontinued effective 1st October 2023 (8 complimentary domestic + 3 complimentary international via Priority Pass withdrawn).
• Current product page notes 'Airport Lounge Access & Comprehensive Protection Benefit offers discontinued'.

Verified · harvested from product page · 2026-08-04 · source

Forex markup

3.50% of transaction value (Foreign Currency Transactions) - FCC charges changed to 3.5% w.e.f 1st August'24.

Verified · Most Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (General, covers Regalia First; updated May 2026) · 2026-08-04 · source

Interest-free period

• Interest free (grace) period ranges from 20 to 50 days, subject to the scheme applicable and submission of claims by the merchant.
• Not applicable if previous month's balance is not cleared in full or if cash withdrawn from ATM.

Verified · Most Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (General, covers Regalia First; updated May 2026) · 2026-08-04 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver on minimum transaction of ₹400 and maximum transaction of ₹5,000.
• Maximum waiver of ₹500 per statement cycle (GST on fuel surcharge not reversed).

Verified · Most Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (General, covers Regalia First; updated May 2026) · 2026-08-04 · source

Redemption value

• Redeem Reward Points on the exclusive HDFC Bank Regalia portal (www.hdfcbankregalia.com).
• Rewards Redemption Fee ₹99 per redemption request.
• For flight and hotel bookings up to 70% of booking value can be redeemed through Reward Points.
• Reward Points valid for 2 years from date of accumulation.
• Cashback redemption value (w.e.f 1st November 2025) for Regalia First: 10 paise per point.

Verified · Most Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (General, covers Regalia First; updated May 2026) · 2026-08-04 · source

Reward cap

• Maximum 25,000 Reward Points can be earned in a statement cycle (Regalia First, Business Regalia First).
• Insurance transactions capped at 2000 Reward Points per month (w.e.f 1st July 2025).
• Grocery, Utility and Telecom transactions capped at 2000 Reward Points per calendar month each.
• UPI mode purchases capped at 500 points per calendar month.

Verified · Most Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (General, covers Regalia First; updated May 2026) · 2026-08-04 · source

Reward exclusion

Verified · Most Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (General, covers Regalia First; updated May 2026) · 2026-08-04 · source

Travel benefit

Former travel insurance benefits for Business Regalia First (Flight Delay cover up to ₹25,000 and Missing Connecting International Flight cover up to ₹25,000) DISCONTINUED effective 1st October 2023.

Verified · harvested from product page · 2026-08-04 · source

Insurance

• Air Accident death cover of ₹1,00,00,000 (available to primary cardholder).
• Emergency Medical Expenses cover up to ₹15,00,000 for international travel outside India.
• Card Liability Cover up to ₹9,00,000.
• Insurance partner: HDFC Ergo (Policy Period 23rd July 2025 to 22nd July 2026).
• For Business Regalia First, insurance/comprehensive protection benefits (Air accidental death up to ₹50 lakhs, emergency overseas hospitalization up to ₹10 lakhs) discontinued w.e.f 1st October 2023.

Verified · harvested from product page · 2026-08-04 · source

Eligibility

• New applications for the Regalia First Credit Card are currently unavailable.
• Existing cardholders continue to enjoy features and benefits.

Verified · Regalia First Credit Card product page · 2026-08-04 · source