HDFC Bank Regalia First Credit Card

Joining Fee: Rs. 1,000 (plus applicable taxes)
Renewal Fee: Rs. 1,000 (plus applicable taxes)
Best Suited For: Travel | Shopping
Reward Type: Reward Points
Welcome Benefites: 1,000 Reward Points on payment of the annual fee.

Apply Now

Add to Compare

HDFC’s Regalia Credit card range is one of the most sought-after and best credit cards in its lineup. One such offering is the Regalia First Credit Card, which offers various travel benefits and lifestyle privileges. It offers Reward Points on every purchase, whether it is a retail purchase or paying utility bills or rent. Apart from Reward Points, it offers a premium travelling experience, allowing the user to access some of the most luxurious Airport lounges every year across the globe using Priority Pass. Not only this, but you can also avail of exciting dining benefits with the Good Food Trail Program. Bonus rewards of up to 8,500 reward points can be earned every year under the renewal and milestone benefits of the card. Also, the credit card’s annual fee is eligible for a waiver based on your annual spends in the previous year. To know more about this credit card, look at its detailed specifications.

New Features

Spend Based Waiver

Waived off if an amount exceeding Rs. 1 Lakh is spent using this credit card.

Interest Rates

3.6% monthly (or 43.2% annually)

Add-on Card Fee

Nil

Rewards Redemption Fee

Rs. 99

Fuel Surcharge

1% fuel surcharge waiver on all fuel transactions

Foreign Currency Markup

2% on all forex transactions

Cash Advance Charges

2.5% of the amount withdrawn or Rs. 500, higher of the two.

Movie & Dining

Special offers at premium restaurants with the Good Food Trail dining program across top cities.

Travel

Complimentary airport lounge access across the globe, Priority Pass membership, up to 5% cashback on travel spends on Smartbuy

International Lounge Access

3 complimentary visits in a year to international lounges.

Rewards Rate

For every Rs. 150 spent, you will get 4 Reward Points.

Golf

N/A

Insurance Benefits

Air accidental cover amounting to Rs 50 lakh, emergency overseas hospitalization cover worth up to Rs 10 lakh, credit liability cover worth up to Rs 5 lakh

Reward Redemption

1 RP = Re. 0.30 for flight/hotel bookings via SmaryBuy, 1 RP = 0.3 Airmile, 1 RP = Re. 0.25 when redeemed against products and vouchers, 1 RP = Re. 0.15 for redemption against cashback.

Domestic Lounge Access

8 complimentary visits in a year to the domestic lounges.

Zero Liability Protection

No liability against any fraudulent transaction done after the loss or theft of the card is reported to the bank.

Pros

You can avail of the priority pass membership with the HDFC Bank Regalia Credit Card. Earn 5,000 reward points on a spend of Rs. 3 Lakhs or more.

Cons

There is a reward redemption fee of Rs. 99 There are no entertainment benefits with the HDFC Bank Regalia Credit Card.

Similar Cards

Add to Compare

OneCard Credit Card

One Card is an entry-level credit card issued by fintech startup FPL Technologies Pvt. Ltd. in partnership with its banking partners including IDFC FIRST Bank, Federal Bank, BOB Financial, SBM Bank and South Indian Bank. The card can be issued as both a secured credit card as well as an unsecured credit card (if you are deemed ineligible for the card based on your credit score/income, you can get the card against a fixed deposit with SBM Bank). You earn Reward Points for all purchases made with One Card- 1 Reward Point per Rs. 50 spent and 5x Reward Points on the top two spend categories of the month. One unique feature of One Card is, unlike other credit cards, you can also earn fractional Reward Points against your spends with One Card credit card (more on this later in the article). Read on to learn more about One Card Credit Card.

Add to Compare

AU Bank Altura Credit Card

The AU Small Finance Bank Altura Credit Card is a basic cashback credit card that allows you to save a lot as you get a cashback on almost every purchase you make. As a welcome benefit, you get a 5% cashback on your retail spends done within the first 2 months from the card activation date. Moreover, you can earn a cashback of up to 2% on all your spends, which is directly credited to your account. Along with the regular cashback, you can earn Rs. 50 cashback additionally every month under the card’s milestone benefits. Keeping its customers’ travel needs in mind, the card also provides them with complimentary access to selected railway lounges in India. You can also save more by getting your joining and renewal fee waived off on the basis of your spends. To know more about the Altura Credit Card by AU bank, check the detailed information given below:

Add to Compare

IRCTC RBL Bank Credit Card

The IRCTC RBL Bank Credit Card is a co-branded offering from RBL Bank and the Indian Railway Catering and Tourism Corporation (IRCTC), designed to enhance the travel experience for frequent train travelers in India. With an annual fee of ₹500, cardholders can earn up to 5 reward points for every ₹200 spent on train ticket bookings through the IRCTC website or app, where 1 reward point equals ₹1 when redeemed on IRCTC platforms. Additional benefits include 8 complimentary railway lounge accesses annually (2 per quarter), a 1% transaction surcharge waiver on train ticket bookings (up to ₹200 per month), and a welcome bonus of 500 reward points upon spending ₹500 within the first 30 days of card issuance. The card also features 'Tap & Transit' for seamless metro and bus commutes and 'Scan & Pay' for instant UPI payments. These features make the IRCTC RBL Bank Credit Card a valuable companion for individuals who frequently travel by train and seek to maximize rewards on their travel-related expenditures.

1 OFFER

Benefites of SBI Credit Card Total Benefits...

View Offers

Other Cards

View all