HDF

HDFC Regalia First Credit Card

HDFC Bank · Annual Fee: Free · Lifetime Free

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✅ Verified & Updated: March 2026 📋 Data sourced from official bank website 🔗 Apply link goes directly to bank — no middlemen Always verify current terms on the official bank website before applying
Annual Fee
Free
Joining Fee
Free
Our Rating
4.2/5 ⭐
Forex Markup
3.5%
Lounge Access
4 domestic/year
Card Network

The HDFC Regalia First Credit Card from HDFC Bank is a popular credit card for Entry-level users wanting lounge access and zero annual fee. Here is a complete breakdown of all benefits, fees and our honest rating.

Key Benefits

  • Rewards: 3 Reward Points per ₹150; bonus points on milestone spends
  • Annual Fee: Free
  • Joining Fee: Free
  • Lounge Access: 4 domestic/year
  • Forex Markup: 3.5%

🎉 Lifetime Free Card — Zero annual fee, forever.

Best For

Entry-level users wanting lounge access and zero annual fee

Our Honest Take

The HDFC Regalia First Credit Card delivers solid value if your spending matches its reward structure. Compare it against alternatives in the same category before applying. Always verify current terms on the bank official website before applying.

💳

HDFC Regalia First Credit Card

Annual Fee: Free
⭐ 4.2 / 5
Apply on Official Site →

Some links on this page are affiliate links. We may earn a commission if you apply through our links at no extra cost to you.

✅ Best for: Entry-level users wanting lounge access and zero annual fee
🎁 Key Reward
3 Reward Points per ₹150; bonus points on milestone spends

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