Regalia First Credit Card

• • A maximum of 25,000 reward points can be earned in a calendar month.
• • Redemption fee: ₹99

7,500 Bonus RP on ₹6 lakh spends & 5,000 Bonus RP on ₹9 lakh spends per anniversary year. Get 5,000 Reward Points on spending ₹3 lakh+ annually during each card anniversary. Earn 2,500 extra Reward Points on spending ₹6 lakh+ annually during each anniversary.

Joining fee

₹1,000 plus Applicable Taxes

Annual / renewal fee

₹1,000 plus Applicable Taxes per year

Annual fee waiver

Waive renewal fees of ₹1,000 on annual spends of minimum ₹1 lakh

Interest rate

Infinia, Infinia (Metal Edition), Diners Black Metal Edition, Diners Black, BizBlack Metal Card: 1.99% per month (23.88% p.a.). All other variants: 3.75% per month (45.0% p.a.). w.e.f 1st August 2024.

Interest-free period

50 days

Cash advance fee

Transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher on ATM withdrawals. Cash withdrawal limit: 40% of credit limit.

Overlimit fee

2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).

Payment dishonour

2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.

Forex markup

2.5% on all foreign currency transactions

DCC markup

2.50%

Reward redemption

₹99 per redemption

Card management via MyCards.

• What is the Regalia First Credit Card
• What is the maximum limit of the Regalia First Card?
• Does the HDFC Bank Regalia First Credit Card have lounge access?
• How do you get the Regalia First Credit Card free for a lifetime?
• How to apply for the Regalia First Credit Card?