Key Features & Benefits
- ✦4 Reward Points per ₹150 on all eligible retail spends
- ✦10X Reward Points on SmartBuy
- ✦4 complimentary domestic lounge visits per year
- ✦4 complimentary international lounge visits per year
- ✦2% forex markup — same as premium Regalia
- ✦Travel insurance cover
- ✦Annual fee waiver on ₹1L spend
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Welcome & Joining Benefits
- ✦1,000 Reward Points on joining
Milestone Benefits
- ✦₹1L annual spend → ₹1,000 fee waived
Pros & Cons
✓ Advantages
- ✓2% forex at only ₹1,000 fee — best forex rate at this price
- ✓4 international lounge visits at entry-level fee
- ✓Good path to upgrade to Regalia or Regalia Gold
- ✓Annual fee waived at very low ₹1L spend
✗ Disadvantages
- ✗Fewer lounge visits than full Regalia
- ✗SmartBuy portal needed for best rewards
Frequently Asked Questions
Is Regalia First still available?▼
Availability varies — HDFC may offer it as a pre-approved upgrade or via relationship manager. Check HDFC Bank's current website for active card offerings.
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