HDFC Regalia First
HDFC Bank · Visa
HDFC Regalia First is an entry-level premium card with 3X rewards and domestic lounge access.
Annual Fee
₹1,000
Base Reward Rate
3X
Point Value
₹0.5/pt
Min CIBIL
700
Lounge Access
Domestic
6/year
International
0/year
Reward Rates by Category
Dining
4X
Travel
4X
Shopping
3X
Online
3X
Grocery
3X
Fuel
1X
Utilities
1X
Other
3X
Pros
- 3X reward points
- 6 domestic lounge visits/year
- Fuel surcharge waiver
- Good for mid-income earners
Cons
- No international lounge access
- Low point value
- Limited transfer partners
Redemption Options
Flight tickets
Good Value₹0.5/pt
Shopping vouchers
Standard₹0.35/pt
Ready to Apply?
Apply directly on the HDFC Bank website. Takes about 10 minutes.
