HDFC Regalia First credit card

HDFC Regalia First

HDFC Bank · Visa

HDFC Regalia First is the entry point into the Regalia family — a step up from basic credit cards, with lounge access and decent rewards at a manageable Rs.1,000 annual fee. Suited for young professionals and first-time premium credit card users. Fee waived at just Rs.1 Lakh spend.

Annual Fee

₹1,000

Waived at ₹1.5L spend

Joining Fee

₹1,000

Base Reward Rate

3X

₹0.5/pt

Min CIBIL

700

₹4L+ income

Key Features

Annual fee waived at Rs.1 Lakh spend
8 domestic + 3 international lounge visits per year
2 reward points per Rs.150 on all spends
Air accident cover Rs.50 Lakh
Overseas medical cover Rs.5 Lakh
VISA Signature merchant offers and discounts

Welcome Benefits

✓

1,000 Bonus Reward Points

Earn 1,000 reward points on first transaction within 90 days of card issuance.

Reward Rates by Category

Dining

4X

Travel

4X

Online

3X

Shopping

3X

Grocery

3X

Fuel

1X

Utilities

1X

Other

3X

Milestone Benefits

₹1.0 L

Fee Waiver

Annual fee of Rs.1,000 is fully waived on spending Rs.1 Lakh in a year.

Annual

₹2.0 L

2,500 Reward Points

Earn 2,500 bonus points on crossing Rs.2 Lakh annual spend.

Annual

Airport Lounge Access

Domestic

6 visits/year

International

0 visits/year

Insurance & Protection

Air Accident Cover

Accidental death while travelling by air.

Rs.50 Lakh

Emergency Overseas Medical

Medical emergencies while travelling abroad.

Rs.5 Lakh

Eligibility Criteria

Age

21–60 years

Salaried Income

₹3.0 L+ per year

Self-Employed

₹4.0 L+ ITR

Min CIBIL Score

700+

Entry-level premium card. Salaried: Rs.3L+ annual income. CIBIL 700+ recommended. Existing HDFC bank account holders have better approval odds.

Pros

  • Annual fee waived at just Rs.1 Lakh annual spend
  • 8 domestic + 3 international lounge visits per year
  • Low Rs.1,000 annual fee — easy entry point
  • Air accident cover Rs.50 Lakh
  • VISA Signature benefits and offers

Cons

  • Low earn rate — 2 RP per Rs.150 (0.67% return)
  • No partner multipliers unlike Regalia Gold
  • Only 3 international lounge visits per year
  • Relatively modest milestone bonuses
  • Better options exist at similar fee levels (Axis ACE, SBI Cashback)

Redemption Options

Flight tickets

Good Value₹0.5/pt

Shopping vouchers

Standard₹0.35/pt

Frequently Asked Questions

What is the HDFC Regalia First annual fee?+
Rs.1,000 per year, which is waived if you spend Rs.1 Lakh or more in the card anniversary year. This is Rs.8,333 per month — easily achievable as a daily-use card.
How does HDFC Regalia First compare to Regalia Gold?+
Regalia Gold is significantly better — 5X partner multipliers, more lounge visits (12+6 vs 8+3), better insurance, and higher milestones. However, Regalia Gold requires Rs.6L+ income. Regalia First is more accessible for younger earners and has a lower fee waiver threshold.
What lounge access does HDFC Regalia First give?+
8 complimentary domestic lounge visits per year and 3 international lounge visits via Priority Pass. This works out to roughly 1 domestic lounge visit every 6 weeks — useful for moderate travellers.
Is HDFC Regalia First a good first premium credit card?+
Yes, for HDFC bank customers. The Rs.1,000 fee waiver at Rs.1L spend is generous, lounge access is real, and it builds your relationship with HDFC for future upgrades. However, for cashback, Axis ACE or SBI Cashback may offer better returns on everyday spends.

Ready to apply?

Apply on the HDFC Bank website. Usually takes 10 minutes.

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HDFC Regalia First

₹1,000/yr · 3X rewards