HDFC Regalia First Credit Card

Regalia First 

First Level towards Indulgence with exclusive travel benefits

• Looking for a Regalia First Credit Card?
• Make the most of your Credit Card

Travel Benefits

• Complimentary Airport Lounge Access through Priority Pass Membership
• Accumulate and redeem reward points for Free Air Tickets
• Now get 7,500 bonus points every year on spends of Rs.6 Lac (wef 1 Apr'18)

Know more
Click here  for Credit Card Usage Guide & Cardmember Agreement

Regalia First Privileges

• Earn 4 Reward Points on every Rs. 150 spent and redeem rewards against exclusive lifestyle options
• 1% fuel surcharge waived off on fuel transactions. (Minimum transaction of INR 400. Maximum cash back of INR 500 per statement cycle)

features and benefits of a Regalia First Credit Card?

REGALIA FIRST PRIVILEGES

• Unparalleled Savings
  
  As part of our elite circle, you enjoy world-class privileges and great saving opportunities.
• ANNUAL SPENDS BENEFIT
  1. Earn 7,500 Reward Points on annual spends of Rs. 6,00,000 or more in each anniversary year*
  2. Earn 5,000 Reward Points on annual spends of Rs. 3,00,000 or more in each anniversary year*
  *Important Terms and Conditions of Annual spends benefit program
  • Earn5,000 Reward Points when you achieve spends of Rs. 3,00,000 in anniversary year and additional 2,500 Reward Points when you achieve Rs 6,00,000 in the same anniversary year.
  • Anniversary year is defined as 12 months period from card setup or last upgrade/downgrade date. For ex: if your card setup/upgrade/downgrade date is 01st May 2018, anniversary year will be 1st May 2018 to 30th April 2019 and so on.
  • This benefit is applicable w.e.f. 01st April 2018 only and any spends done before 01st April 2018will not be considered for this benefit. For Ex: if your card setup date is 01stDecember 2017, Retail Spends between 01st April 2018to 30th November 2018will be considered for this benefit for the first anniversary cycle. From second cycle onwards all retail spends between 01st December 2018 and 30th November of subsequent year will be considered for the benefit.
  • In case of any retail card getting upgraded or downgraded to Regalia First post 01st April 2018, the Spends calculation for annual spend benefit on the new Regalia First card variant will start from date of upgrade/downgrade. (If there was a spend aggregation benefit applicable on the old variant, then customer will no more be eligible for the feature on the previous product)
  • Spends from any previous anniversary year or previous retail credit card product will not be considered for calculation of the Annual Spend benefit. Only valid Retail spends are considered for the program and posting of the Reward Points would be at the discretion of the Bank.
  • Bonus Reward Points of 5,000 will be posted for the 1st Milestone Spend Threshold achievers of Rs 3,00,000 on or before renewal date. Additional Bonus Reward Points of 2,500 will be posted for the 2nd Milestone Spend Threshold achievers of Rs 6,00,000 within 90 days from renewal date.
  • Reward points are valid only for 2 years from the date of accumulation.
  • Card Holder/s whose account has been classified as delinquent before or during the period of the Program, or when the Reward Point is to be posted, will not be eligible for the Reward Point under this offer.
• REGALIA FIRST PRIVILEGES
  
  
  • Airport Lounge Access
    
    Priority Pass Membership
    
    Get a complimentary Priority Pass Membership for preferential access to over 1000+ airport lounges around the world. Enjoy refreshments and use facilities including phones, faxes, and Internet and conference rooms. The Add on member is also eligible for a Priority Pass membership. The Primary card holder and the Add on member can jointly avail 3 complimentary access to Priority Pass lounges outside India in a calendar year.
    
    Please note :
    1) All Lounge visits within India using priority pass will be charged at US $27 + GST as applicable per person per visit w.e.f. 25th May 2017
    2) Lounge Visits outside India exceeding the complimentary visits will be charged at US $27 + GST as applicable per person per visit w.e.f. 25th May 2017
    3) All guests visits using Priority pass would be charged at US $27 + GST per visit per guest
    4) Charges will be billed to your credit card statement usually within 90 days of the month in which you visited the lounge
    5) Any lounge visits out of priority pass network will be chargeable as per the discretion of the respective lounges
    6) Primary and add on priority pass member can jointly enjoy the complimentary cap on priority pass (add on to swipe their own priority pass to avail the complimentary benefit)
    7) The dollar conversion rate will be applicable as per the prevailing rate on billing date
    
    Visit www.prioritypass.com for list of lounge details.
    
    Click Here for more details
    
    To know about your lounge access history
    
    Please write a mail to pp@prioritypass.com.hk. Please provide name, complete 18 digit Priority Pass number and state that PP Membership is via HDFC Bank program. If there is more than 1 Priority Pass number (belonging to add on PP holders), then please provide all the PP Numbers.
    
    How to Apply
    
    Priority Pass membership is upon request. Customer who has completed 4 billed transactions in the last 60 days is eligible for the Priority Pass membership. If you have never applied for the Priority Pass membership earlier, please ensure that you have completed 4 transactions in the last 60 days and click here.
    
    Please note, existing Priority Pass members who would want to apply for an add on Priority Pass Card or report a loss / expiry should contact their Relationship Manager / Phone Banking or please write to our Customer Services center at www.hdfcbank.com/query
  • Visa/Mastercard Lounge Access Program
    
    For Lounge visits within India, Regalia First Primary Cardholders can avail 8 complimentary lounge access per calendar year through Regalia First Visa/Mastercard Credit Card Lounge program (Please swipe your Regalia First Credit card to avail the complimentary lounge access). Below are the links for Credit card lounge access T&C and lounge list
    
    Please click here to know more about VISA lounge program (A transaction of Rs. 2 will be charged to your credit card for the lounge access)
    
    Please click here to know more about Mastercard lounge program.
• Contactless Payment Technology
  The HDFC Bank Regalia First Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
  *To see if your card is contactless, look for the contactless symbol network on your Card.
  You can use your card to make quick transactions at merchant locations accepting contactless cards.
  
  Please note that in India, payment through contactless mode is allowed for a maximum of Rs. 2000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to Rs. 2000, the card holder has to enter the Credit Card PIN for security reasons.
• EXCLUSIVE DINING PRIVILEGES
  
   Experience the Good Food Trail Dining program at  premium restaurants across  top cities
  
  Click Here to discover the privileges.
• BEST-IN-CLASS REWARDS PROGRAMME
  
  Splurge to your heart’s content with the best-in-class rewards programme on your HDFC BANK Regalia First Credit Card.
  • Earn 4 Reward Points* for every 150 spent on your HDFC Bank Regalia First Credit Card
  • Accumulate and redeem Reward Points for:
    - Travel bookings on www.hdfcbankregalia.com
    - Exciting gifts from an exclusive rewards catalogue
  • Alternately, you can convert Reward Points into AirMiles of leading domestic and international airlines.
    
    *Note:
    1. Only valid Retail purchases qualify for Reward points
    2. Reward points will not be accrued for fuel transactions
    3. Reward points are valid only for 2 years from the date of accumulation.
    Eg : If you have received reward points in the month of June 2015, then same will expire in June 2017.
    4. Effective 1st July'2017,
     a. EasyEMI and e-wallet loading transactions will not accrue Reward points.
     b. Reward points accrued will be reversed if a retail transaction is converted into SmartEMI.
     c. Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.
• PREFERENTIAL FINANCIAL BENEFITS
  
  
  • Enjoy lowest foreign currency markup of 2% on all your foreign currency spends
  • Convenience fee waiver of 1% on all fuel transactions. The waiver on convenience fee is applicable only for fuel transactions between Rs. 400 to Rs. 5000(Maximum waiver of INR 500 per statement cycle). Fuel surcharge varies from 2.5% to 1% of fuel transaction amount. The rate of surcharge may vary depending on the fuel station and their acquiring bank.GST applicable.
  • Enjoy up to 50 days of interest free credit and manage your payments at your convenience. You can choose to pay only the minimum amount due (5% of total amount due subject to a minimum of Rs. 200) and carry forward the balance amount to next month at an extremely low interest charge of just 3.49% per month.
• EXCLUSIVE TRAVEL PORTAL
  
  Unleash the power of your Reward Points like never before on www.hdfcbankregalia.com , an exclusive portal for Regalia First credit cardholders.
  You can choose to redeem your Reward Points instantly against:
  • Airline ticket booking
  • Hotel booking
  Each Reward Point is worth 30 paise when redeemed on www.hdfcbankregalia.com.
• COMPREHENSIVE PROTECTION
  
  To show how much we care, we offer comprehensive insurance* covers against various risks you might face.
  • Air Accidental death :
    
    In case of death in an Air accident, your nominated kin will receive a compensation of Rs. 50 lakhs
    If you are a Regalia First card holder, Click Here to update your nominee details.
  • Emergency Overseas Hospitalization:
    
    Protection worth up to Rs. 10 lakhs against any medical emergency when you are travelling, and are outside your home country
  • CREDIT LIABILITY COVER:
    
    Cover of upto INR 500,000
    
    For Policy Document Click Here
  • HDFC Ergo General Insurance Company
    
    Claim Procedure:
    
    Intimation of Claim to be provided within 60 days from the date of loss by the insured. Documents to be submitted to HDFC ERGO within 130 days from the date of loss.
    
    Contact details:
    a. For Emergency Medical Expenses - Toll Free: +800 08250825 (International Toll Free - accessible from outside India) / 01204507250 (Chargeable)
    b. Email: bankclaims@hdfcergo.com
    c. Address: A&H Claims Inward Team, HDFC Ergo GIC Ltd., 6th Floor, Leela Business Park, Andheri Kurla Road, Andheri East. Mumbai 400059
    
    *Terms & Conditions
    • All the above insurance covers are available to the Primary card holder.
    • Air Accident cover will be activated if the tickets are purchased using HDFC Bank Regalia First credit cards.
    • Please note that all the above insurance covers will be available only after the Cardmember activates his/her HDFC Bank Regalia First Credit Card.
    • Activation is defined as 'first purchase at a retail outlet or cash withdrawal from an ATM using the HDFC Bank Regalia First Credit Card'.
    • Liability on lost card will start from the Date of Dispatch of the card upto 30 days, whereas Air Accident/ Emergency Medical Expenses will start from Date of Activation of the card (means first POS transaction/cash withdrawal by the cardholder)
    • Liability on lost card covered to an extent of 500,000 for 2 days prior to Date of Block and 30 days post the Date of Block.
    • Terrorism is specifically excluded under the policy.
    • Travel Insurance provided under the policy shall not be valid for procuring a visa.
    • Travel Insurance provided shall be valid for International Travel only.
    • Maximum Trip Duration is restricted to 30 Days.
    • Fraudulent transactions done by person known to the cardholder are specifically excluded.
    • Insurance covers are not provided by HDFC Bank. Exclusions/Limitations are applicable as per the policies issued by the Insurance Company with whom the Bank has tied up.

Eligibility

You are eligible for Regalia First Card based on the following,

Customer Profile	Criteria
Salaried	Age: Min 21 yrs & Max 60 Yrs, Income: Gross Monthly Income> Rs 40,000
Self Employed	Age: Min 21 yrs & Max 65 Yrs, Income: ITR > Rs 5 Lakhs per annum

fees and charges applicable to a Regalia First Credit Card ?

Fees and Charges

• First Year Membership Fee – Rs. 1000/- + Applicable Taxes, Renewal Membership Fee – Rs. 1000/- + Applicable Taxes
• Welcome Benefit of 1000 Reward Points and renewal benefit of 1000 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off)* Terms & Conditions Apply
• Spend Rs. 1,00,000 in 12 Months and get Renewal Fee waived for next renewal year.

Please click here to view the fees and charges applicable on your Regalia First Credit Card
Goods and Services Tax (GST)

• Effective 1st July 2017 Service Tax , KKC & SBC of 15% is replaced by Goods&Service Tax (GST) at 18%
• The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
• GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
• GST levied will not be reversed on Any dispute on Fee & Charges / interest.

 

Have questions?

I have applied for a Credit Card - would like to know the status?

Click here to check the status of your credit card application. You are required to input the 16 digit Application reference number and Mobile number or Date of Birth (DDMMYYYY)

I do not want statements to be sent to my mailing address. How do I stop the same?

We request you to download the physical statement suppression MID (Most Important Document) from HDFC Bank form center and send the duly signed form to our correspondence address.

HDFC Bank Cards Division
PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

When should a customer fill a progressive dispute form?

Subsequent to submission of the CDF form, the bank intimates the merchant of the disputed transaction. The merchant then provides all the relevant documents to substantiate the respective transaction. Post inspection of all the relevant documents, if the customer is still not convinced, then the customer should fill and submit the progressive dispute form.

Pls click on link below to view the progressive dispute form
http://www.hdfcbank.com/assets/pdf/Progressive_dispute_letter.pdf

Why is the customer required to fill a cardholder dispute form (CDF) to report transaction dispute?

As per master / visa guidelines, all card holders should provide a duly filled in Cardholder Dispute Form (CDF) mentioning the details of the disputed transaction which will enable / authorize the bank to investigate with the respective Merchant / Member Bank
Pls click on link below to view the cardholder dispute form.
http://www.hdfcbank.com/assets/pdf/transaction_dispute_form.doc

What is the time frame to report Credit card transaction dispute?

Transaction dispute needs to be reported in writing within 30 days from the statement date in which the said transaction appears.

Have more questions, check our FAQs Section 

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