RF
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Regalia FirstHDFC Bank
Fees & charges
| Joining fee | ₹1,000 + applicable taxes |
|---|---|
| Annual / renewal fee | ₹1,000 + applicable taxes |
| Renewal-fee waiver | ₹1 lakh annual spend (renewal fee waived) |
| Network | Not stated Not stated on HDFC's page |
Rewards & benefits
| Reward rate | 3 Reward Points per ₹200 spent (revised, effective 15 May 2026; earlier 4 RP per ₹150) |
|---|---|
| Welcome benefit | Not stated on HDFC's page |
| Lounge access | None — complimentary airport lounge access discontinued from 1 Dec 2023 |
| Key benefits | 3 RP/₹200 + milestone bonus RP (7,500 on ₹6L, 5,000 on ₹9L/yr); up to 20% dining via Swiggy Dineout; SmartPay 5% utility cashback (₹500 cap, 1st yr); 50-day interest-free period; insurance cover (air accident ₹1cr); lounge access withdrawn |
Eligibility & status
| Eligibility / income | Not stated on HDFC's page |
|---|---|
| Status note | Not accepting new applications (existing cardholders retain benefits); features/benefits revised effective 15 May 2026 |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 1,000MITC v4.3, fee table L223-235 | Joining/Renewal Membership Fee: ₹ 1,000/- plus Applicable Taxes | ✓ |
| Fee waiver (min spend) | ₹1 Lakh / AnnumMITC v4.3, fee table L223-235 | Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off. | ✓ |
| Fuel surcharge waiver | 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹500 per statement cycleMITC v4.3, fee table L223-235 | Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 and maximum transaction of ₹5000. Max CashBack of ₹500 per statement cycle). | ✓ |
| Forex markup | 3.50%MITC v4.3, fee table L223-235 | Foreign Currency Markup: Lowest foreign currency mark up of 2% on all your foreign currency spends. | ⚠ |
| Reward rate | Not in MITC (product term) | Earn 4 Reward Points on every ₹150 spent. Effective September 1st, 2024, Earn 3 Reward Points on every ₹150 spent on all retail spends excluding wallet, EMI and petrol. | • |
| Welcome benefit | Not in MITC | unknown (no distinct welcome benefit stated; milestone bonus RP only) | • |
| Lounge access | Not in MITC | Airport Lounge Access & Comprehensive Protection Benefit offers discontinued*. | • |
| Eligibility | Not in MITC | unknown (not stated; new applications not accepted) | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Microsite values are captured VERBATIM from each card's live HDFC page (fetched 2026-07-04). Quality of capture: rich 55, partial 15, thin 4. Open the linked page to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- Joining/Renewal Membership Fee: ₹ 1,000/- plus Applicable Taxes
- Bonus 7,500 Reward Points on ₹ 6 lakh spends and additional 5,000 Reward Points on ₹ 9 lakh spends in an anniversary year.
- Foreign Currency Markup: Lowest foreign currency mark up of 2% on all your foreign currency spends.
- Airport Lounge Access & Comprehensive Protection Benefit offers discontinued*.
- Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.
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