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HDFC Regalia First Credit Card: Fees, Rewards & Benefits

Rewards card with lounge access

Vyaya Team · Jun 2026
5 min read
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Value Score
7.0 / 10
Annual Fee
₹1,000
Best For
Lounge-value seeker, Simplicity preferrer
Network
Mastercard
Expert Verdict

A simple flat-earn mid-tier card whose real draw is 8 domestic + 3 international lounge visits and a low 2% forex markup for a ₹1,000 fee. The ₹0.2 point value and absence of accelerators make it a lounge-and-travel value play rather than a rewards engine.

HDFC BANKMastercard
HDFC Regalia First
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REWARD SUMMARY
0.5333333333333334% Base Rewards
Rewards card with lounge access
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The Bottom Line

The HDFC Regalia First is built for lounge-value seeker and simplicity preferrer. With a ₹1,000 annual fee that is waived on ₹1,00,000 yearly spend, it offers 1,000 bonus points and airport lounge access. It makes the most sense if your spending matches lounge-value seeker and simplicity preferrer.

It earns a base reward rate of 0.5333333333333334% and stacks best when your spending lines up with Lounge-value seeker, Simplicity preferrer. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.

What we like
+Strong flat base of 4 Reward Points per ₹150 with no accelerated-category complexity to track.
+8 complimentary domestic and 3 international (Priority Pass) lounge visits per year, generous for a ₹1,000 mid-tier card.
+Bonus milestones of 5,000 points at ₹3 Lakh and an additional 2,500 at ₹6 Lakh annual spend.
+Low 2% forex markup plus concierge and Good Food Trail dining (up to 20% via Swiggy Dineout).
+Accessible ₹5 Lakh income bar with renewal fee waived on ₹1 Lakh annual spend.
What we don't
–Reward Points are valued at only ₹0.2 (₹0.3 best case), so the 4 per ₹150 base is roughly a 0.5% return.
–No accelerated earning rates at all – every spend earns the flat base.
–No rewards on government, railways, fuel, rent (1% fee from 2nd txn), wallet loads or EMI.
–Lower insurance cover than higher Regalia variants (₹50 Lakh air accident, ₹5 Lakh credit liability).

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
Lounge-value seeker

Mid-income users wanting 8 domestic + 3 international lounge visits and a low 2% forex markup at a modest ₹1,000 fee.

+
Simplicity preferrer

Those who dislike tracking categories and prefer a single flat 4-points-per-₹150 earn rate.

Probably not for

Skip
–
Reward maximizer

With ₹0.2 point value and no accelerators, the ~0.5% return is weak for anyone chasing reward rate.

–
Category spender

Users who would benefit from bonus online or travel multipliers get none here.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

Dining
0₹5,000Max ₹50k
Est. Returns
Travel
0₹10,000Max ₹1L
Est. Returns
Online & Shopping
0₹8,000Max ₹80k
Est. Returns
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Annual fee-₹1,000
Net Value (Year 1)₹-1,000
Net Value (Year 2+)₹-1,000
Progress to fee waiver0%

Spend ₹1,00,000 more to waive annual fee

Sign in for personalized estimates based on your actual spending

Reward Rates

HDFC Regalia First offers 0.5333333333333334% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

₹
Flat 0.5333333333333334% on all spends

Welcome Offer

1,000 Reward Points

1,000 Reward Points on payment of joining membership fee.

Milestone Benefits

Spend ₹1,00,000

Renewal fee waiver on spending ₹1,00,000 in a membership year.

Spend ₹3,00,000

5,000 Reward Points on annual spends of ₹3,00,000.

Spend ₹6,00,000

Additional 2,500 Reward Points on annual spends of ₹6,00,000.

Fees & Charges

Joining fee₹1,000
Annual fee₹1,000
Fee waiverSpend > ₹1,00,000

Eligibility

  • Min Income: ₹14.4 Lakhs
  • Min Credit Score: 750
  • Min Rs. 1.2 lakh/month salaried (Rs. 14.4L annual) or ITR > Rs. 12 lakh self-employed; annual fee Rs. 1,000 waived on Rs. 1 lakh spend; new applications paused by HDFC.

Exclusions & Terms

Forex markup

  • Foreign currency markup

FUEL

  • 1% fuel surcharge is levied, which is waived on transactions between ₹400 and ₹5,000 (up to ₹250 per statement cycle). Fuel spends do not earn Reward Points.

RENT

  • A 1% fee is levied on rental transactions, beginning from the second rental transaction of the calendar month. Rent payments do not earn Reward Points.

WALLET_LOAD

  • Loading of wallets is not eligible for Reward Points.

EMI

  • EasyEMI and SmartEMI transactions are not eligible for Reward Points.

INDIAN_RAILWAYS

  • Railway Surcharge of 1% of transaction amount + GST.

Frequently Asked Questions

3 data-backed answers from our card database

What is the annual fee of the HDFC Regalia First?+

The HDFC Regalia First has an annual fee of ₹1,000, waived on annual spends of ₹100,000.

What rewards does the HDFC Regalia First offer?+

It earns Reward Points on spends.

Does the HDFC Regalia First offer airport lounge access?+

Yes, it includes complimentary airport lounge access. See the benefits section for visit limits.

Ready to apply?

₹1,000 annual fee. Apply on the HDFC Bank website.

Apply on HDFC Bank →

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