HDFC Regalia FIRST Credit Card
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Community Consensus
Consensus Note: HDFC Regalia FIRST Credit Card issued by HDFC Bank remains a flagship choice for Lounge access & zero forex travel. Verified user discussions highlight strong yields on spending thresholds.
At-A-Glance Quick Facts
AI Verdict CredSutra Engine
Synthesized objective algorithmic score
The HDFC Regalia FIRST Credit Card issued by HDFC Bank offers competitive value for Lounge access & zero forex travel. Audit your monthly spending against its ₹500 + GST fee structure.
Key Trade-offs & Considerations
- ⚡ Annual fee of ₹500 + GST
- ⚡ Lounge access policy: 4-8 visits/yr (varies by variant)
- ⚡ Reward rate: 1-2% Rewards (varies by variant)
Key Benefits & Characteristics
Category Rewards Multiplier Matrix
| Spend Category | Earning Multiplier / Return Rate |
|---|---|
| flight Travel & Flights | 2% to 5% points |
| shopping_cart Online Shopping & SaaS | 1% to 5% cashback |
| storefront Offline Retail Stores | 1% reward points |
| account_balance Government & Tax Pay | 0.5% (Caps apply) |
| house Rent & Wallet Loads | Excluded / 1% surcharge |
receipt_long Fee & Surcharge Breakdown
Detailed Analysis & Review
Deep-Dive Review: HDFC Regalia FIRST Credit Card
Community Verdict
[!NOTE] Our Take: Designed for wanderers and lounge frequenters. If travel tickets and airport check-ins are a regular part of your calendar, this card helps you unlock solid savings. From airport lounge access to direct transfers to airline partners, it makes travel a lot more rewarding without the premium price tag.
Pros
- Complimentary Airport Lounge Visits: Enjoy comfortable waiting times before boarding at domestic and international airports.
- Travel Rewards Booster: Earn accelerated reward points on direct airline and hotel bookings.
- Low Foreign Markup: Saves you money on overseas transactions compared to standard shopping cards.
Cons
- Spends Exclusions: Zero reward points accumulated on fuel, utility bills, and rental payments.
- Lounge Spend Hurdles: Lounge access is subject to strict quarterly spend milestones.
- Travel Portal Lock-in: Maximum reward value is achieved only when booking through co-branded partner sites.
Reward Spends & Categories
Understanding how your card earns is critical to maximizing your monthly budget. The HDFC Regalia FIRST Credit Card delivers a reward yield of 1-2% Rewards (varies by variant) with the following earning rates per category:
| Category Spend | Earning Rate / Reward Points |
|---|---|
| ✈️ Flights & Hotels | 1% flat rewards |
| 🛍️ Online Shopping | 1.5% rewards online |
| 🛒 Offline / Retail Spends | 1X Point (approx 0.67% return) |
| 🏛️ Government Spends | 0% (Government transactions excluded) |
| 🏠 Rent Transactions | 0% (1% fee capped at ₹250 + GST) |
Reward Point Redemption Value
When redeeming your accumulated points, select the highest value redemption channel:
- Cash / Statement Credit: Value of 1 Point = ₹0.25
- Airmiles (Flight Transfers): Value of 1 Point = 0.25 Airmile per point
- Cash Vouchers (Brand Catalog): Value of 1 Point = ₹0.25
Airport Lounge & Travel Perks
Lounge accessibility is currently one of the most volatile card benefits in India. This card offers: 4-8 visits/yr (varies by variant).
[!TIP] With multiple banks implementing quarterly spend-based criteria, make sure you meet the baseline thresholds in the preceding quarter to prevent lounge access declines at the terminal.
Data Verification
- Verification Tier: PARTIALLY VERIFIED
- Editorial Feeds: N/A
- Last Status Update: 6/7/2026
For official terms, interest rates, and applications, refer to the Bank Reference Page.