HDFC Bank Regalia First Review 2026: Fees, Rewards & Lounge Status
Check HDFC Regalia First credit card features, 2% forex markup, and reward rates. Note: Lounge access discontinued as of Dec 2023. See if it's still worth ho...
The HDFC Regalia First was once a solid entry-level premium card, but the discontinuation of lounge benefits and the reduction in reward rates have significantly diminished its value. It is now primarily a legacy card for existing users.
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The Bottom Line
The HDFC Bank Regalia First is the HDFC Regalia First was once a solid entry-level premium card, but the discontinuation of lounge benefits and the reduction in reward rates have significantly diminished its value. It is now primarily a legacy card for existing users. With a ₹1,000 annual fee that is waived on ₹1,00,000 yearly spend, it offers 1,000 bonus points and forex markup. For anyone researching hdfc bank regalia first credit card, the verdict is simple: conditional.
It earns a base reward rate of 0.6% and stacks best when your spending lines up with existing-holders. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealExisting users who spend moderately and want a low-fee card with decent travel redemption value.
Probably not for
SkipThe removal of all complimentary lounge benefits makes it weak for active travelers.
The card is discontinued; users should look at Regalia Gold or Millennia instead.
Is It Worth It For You?
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Reward Rates
HDFC Bank Regalia First offers 0.6% basic reward rate.
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Welcome Offer
Milestone Benefits
Bonus Points
Additional points over the 3L milestone
Fees & Charges
Eligibility
- Min Income: ₹5 Lakhs
- Min Credit Score: 750
- Sourcing for this card has been discontinued for new Indian resident customers. Existing cardholders continue to enjoy benefits.
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Frequently Asked Questions
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