HDFC Regalia First Credit Card

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.