HDFC Bank is an Indian banking and financial services company. It was established in 1994 and their headquarters at Mumbai. It is one of India leading private banks. HDFC Bank offers a wide range of financial products and banking services to customers.
HDFC Regalia First Credit Card offers its users with excellent rewards and benefits on shopping, travel and entertainment. Airport lounge access and exclusive dining privileges add to its benefits. HDFC Regalia First Credit Card is a good option for those who wish to get benefits across multiple categories without paying too much as an annual fee. Lifetime free upon conducting 4 transactions in a month for first 3 consecutive months (Minimum transaction value of Rs.500).
1. A travel credit card with exclusive dining benefits.
2. Welcome benefits with reward points on joining and renewal.
3. Annual spending benefits in terms of reward points.
4. Renewal fee waiver.
5. Free airport lounge access at both local and international destinations.
6. Get upto 5% cashback on your travel and shopping spend on smartbuy
7. Upto 15% discount on dining and premium restaurants across India.
8. Redeem points for flight tickets and hotel bookings for airmiles of select airlines and for exciting gifts from the rewards catalogue.
9. Lifetime free upon conducting 4 transactions in a month for first 3 consecutive months (Minimum transaction value of Rs.500).
10. Customers are given an interest-free period of 50 days
|
Reward Type |
Shopping, Travel and Entertainment |
|
Welcome benefit |
You can earn 1000 reward point and 1000 points renewal benefit once the fee is paid |
|
Dining benefit |
40% discount on dining |
|
Annual fee waiver |
Spend Rs.1 lakh in first 12 months and become eligible for the renewal fee waiver for the next membership year |
|
Rewards benefit |
4 points / Rs.150 spent Earn 5000 reward points on annual spends of Rs.3 lakh or more in each anniversary year Earn 2500 reward points on annual spends of Rs.6 lakh or more in each anniversary year |
|
Travel benefit |
3 international lounge visits in a calendar year via Priority Pass membership 8 domestic lounge access (within India) via Visa/MasterCard Lounge programme Avail complimentary membership to Priority Pass Program which provides preferential access to more than 1,000 airport lounges across the globe |
|
Insurance benefit |
Accidental air death cover worth Rs.50 lakh Emergency overseas hospitalization upto Rs.10 lakh Credit liability cover of upto Rs.5 lakh |
|
Fuel surcharge waiver |
1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5000 No reward points are earned on fuel transactions |
To apply for a regalia first card, you have to pay fees and charges applied by the HDFC Bank. It covers all charges and fees made by a bank to their customers.The following charges are taken from HDFC Bank i.e joining fee, annual fee, interest rate, late payments charges etc.
|
TYPE |
CHARGES |
|
Joining fee |
Rs.1,000 plus appliance tax |
|
Annual fee |
Rs.1,000 plus applicable tax |
|
Interest rate |
3.49% per month |
|
Cash withdrawal fee |
2.5% of the withdrawn amount subject to a minimum of or Rs.500 |
|
Rewards redemption fee |
Rs.99 for every redemption request |
|
Fee for additional card |
NIL |
|
Over limit charges |
2.5% of the over limit amount subject to a minimum amount of Rs.500. |
|
Payment return charges |
2% of the payment amount subject to a minimum amount of Rs.450. |
|
Cash processing fee |
Rs.100 |
|
Card re-issuance charges |
Rs.100 |
|
Processing charge for cheque (outstation) |
Rs.25 for cheque value of Rs.5,000. Rs.50 for cheque value above Rs.5,000 |
|
Foreign currency transaction fee |
2% |
Before applying for a HDFC Bank regalia first card, you should fulfil all basic eligibility criteria as prescribed by the bank. You will get your card very soon if you meet all the required eligibility criteria once the documentation is done
1. For salaried employed the age is 21 years to 60 years
2. For self-employed the age is 21 years to 65 years
3. Both Resident Indians and NRIs can apply for this credit card
4. Should have a decent credit score .
5. The applicant should have a credit score of 750 and above
Any applicant who is applying for a regalia first card from HDFC Bank must have to submit the following documents. These documents are the requirements for the lenders who are providing you the credit card.
1. KYC Documents = PAN, address proof and ID proof
2. Coloured photograph
3. Income Proof = Last 3 month salary slip
4. Last 3 months bank statement
5. ITR or Form 16
HDFC Bank Regalia First Card Customer Care
Contact number : 18604251188
Email id : regalia.support@smartbusyoffers.co
There are two reason to apply for HDFC Bank Regalia First Card :
1. Offline Method : By visiting the nearest branch of HDFC Bank.
2. Online Method :
Enter the required details and proceed
Filter the results of HDFC credit cards and then you can find HDFC Bank Regalia First credit card in the list
Click on ‘Check Eligibility’ and enter some more details to verify your eligibility for the card
If approved, you can fill out the detailed form and submit
After successful online application, you will get a call from the executive to arrange for collecting your documents at your doorstep
Financials products offered by Bank
The annual fee charges are Rs.1000 plus applicable tax that are applied in HDFC Bank for regalia first credit card.
For the salaried employees the age is 21 years to 60 years is required and for self employed applicants the age is 21 years to 65 years is required to get a regalia first card from HDFC Bank.
The regards points are given in a regalia first card from HDFC Bank are :
4 points on Rs.150 spent
Earn 5000 reward points on annual spends of Rs.3 lakh or more in each anniversary year
Earn 2500 reward points on annual spends of Rs.6 lakh or more in each anniversary year
Yes, you can apply for an HDFC Bank regalia first credit card online.
You can contact through customer care toll free number and also through e-mail id for a regalia first card from HDFC Bank.
The minimum late payment charges Rs.100 and maximum charges are Rs.1300 of HDFC Bank for the first regalia card.
Shopping, travel and entertainment rewards are included in HDFC Bank regalia first credit cards.
Salaried employees and self-employed are eligible to take the HDFC Bank Regalia first credit card.
The interest rate is 3.49% per month provided by HDFC Bank for regalia first cards.
The renewal fee provided in HDFC Bank for regalia first credit card is Rs.1000 plus applicable tax.
Last Updated on : 07/Sep/2020Know More About CREDIT CARDS
You're eligible for a Hdfc Bank Regalia First Card if you:
Are legally adult enough to handle it
Have still got it
Get a regular pay check
Make more than a basic buck
Your eligibility depends on:
Earn more than minimum income required
Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs
EMIs of other loans loweryour eligibility
Boost your eligibility by:
Pay off your credit card bills
Choose longer tenure loan up to 5 years
Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:
- 1. Photo ID and age proof
- 2. Signed application form with photograph
- 3. Residence proof
- 4. Last 6 months bank statement
- 5. Documentation for salaried applicants:
- Last 3 months salary - slips
- Form 16 or Income Tax Returns
- 6. Documentation for self-employed applicants:
- Last 3 years Income Tax Returns with computation of Income
- Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account