HDFC Regalia First Credit Card Review

By | July 27, 2016

HDFC has added two new variants of Regalia called Regalia First and Doctor’s Regalia recently to their physical application form which i noticed last week by mid July 2016. This new card is added as soon as Allmiles card got devalued recently. They have to differentiate Allmiles and Regalia First which is the whole reason for Allmiles devaluation. Wondering what HDFC is actually trying to do by doing this. Maybe they don’t want many people to get hands on with the original Regalia. Lets dive into the details..

HDFC Regalia First Credit Card

HDFC Regalia First Credit Card

HDFC Regalia First Rewards and Benefits:

There is no change in point earning rate but the point value is way too low (Rs. 0.40 per point) whereas original regalia point value is Rs.0.75

  • Normal reward points (4 RP for Rs.150
  • Accelerated reward points (8 RP for Rs.150)
  • 1 Reward point = Rs. 0.40

While the reward points remains same, the major difference i see is in the Priority pass lounge access limit and reward point value. The original regalia card has 12 Free access whereas Regalia first has only 4 Free access which is same with Allmiles.

Features of Regalia Credit Card:

  • CardExpert Rating: 7/10
  • Reward rate: ~1%  normally, upto ~2% on accelerated rewards
  • Accelerated Rewards: You can earn 2X Reward points on dining, selected air bookings and for purchases done on regalia website.
  • Complementary Airport lounge access: Yes,  up to 4 free accesses to the Priority Pass lounges every year & 2 Lounge access per quarter through MasterCard Lounge or Visa Lounge Program
  • Fuel Surcharge Waiver: 0% surcharge (Minimum transaction of INR 400. Maximum cash back of INR 500 per statement cycle)
  • Foreign Exchange Markup fee: 2% + Service Tax (Best Credit Card for Foreign travel)
  • Special Features: Better Markup Fee, Better Rewards
  • Insurance Coverage: Air accident compensation of Rs. 50 Lakhs, Protection worth up to Rs. 10 lakhs against any medical emergency when you are traveling outside India.
  • Personal Concierge Service: Global Concierge Assistance for all your travel & other needs. Its kind of virtual assistant service over phone. (I’ve tried, its kind of useless)

Its hard to differentiate Regalia First & Allmiles Card. While the reward rate through points remain same 1%, the difference is better forex markup fee, insurance and also Mastercard lounge access is not yet revoked for Regalia range of cards i guess.

Overall, you get a Premium feel in just ‘looks’ with half the benefits compared to its original version, especially in lounge access and point value. If you hold Allmiles or Moneyback credit card, you can give a try to upgrade to Regalia First and i’m sure they won’t be having any strict rules to issue this card.

What do you think about this unwanted version of Regalia? Makes any sense? Do share your views below.

93 thoughts on “HDFC Regalia First Credit Card Review

  1. SeethaRaman V

    Hi, Each Reward point earned with Regalia First card is worth only 40 paise when redeemed…

    Reply
    1. Siddharth Post author

      Nice Find,
      Just updated the info accordingly.
      So Regalia first gives half the value back compared to original Regalia.

      Reply
  2. jagadeesan

    hi sir,
    i am having sbi platinum card for the past two years. till now they have not increased my limit. if i am calling to customer care they r telling currently there r no offers. but at the same time in kotak bank they have increased my limit. what is the reason?
    secondly, i would like to apply credit card in indian bank, bank of india, punjab national bank, union bank of india, central bank of india and indian overseas bank. but all these banks are saying that either we should have an one year account or any loans running in their bank. i don’t know why they are saying like this… kindly help me sir
    thanks and regards,
    jagadeesan

    Reply
    1. Siddharth Post author

      Take credit cards in Private banks. They’re the ones that give more benefits and higher limits.

      Reply
  3. ketan

    HIII SIDDHARTH

    All miles have 0.50 rs value and this have 0.40 so all miles ppl dont have any benefits…dey will loose 0.10…any other benifit in regalia first compare to all miles?

    Thanks

    Reply
    1. Siddharth Post author

      Lounge access, insurance & forex markup fee is better on Regalia First.
      While point value reduced, the overall value back via points is same in allmies/regalia first

      Reply
      1. KETAN

        THANKS A LOT BRO FOR REPLYING

        AND CONTINUE THE G8T WORK

        CHEERS

        Reply
  4. amit kumar

    i am hdfc bank regalia card holder with 2.6lakh limit.i want to know about next upgrade and limit enhancement

    Reply
  5. amit kumar

    my regalia card with limit 2.6lakh and my usage is very low and i am holding only this single card and my cibil score is 836 .my question is that in this case is bank increase my limit in future

    Reply
    1. Siddharth Post author

      If usage is less than 50%, limit enhancement maybe tough. After all, why would you need more limit while you aren’t using the available limit. That’s how bank see!

      Reply
  6. amit kumar

    hello after which credit limit one expect to upgrade to regalia card

    Reply
    1. Siddharth Post author

      2L or above is good number. Though it depends upon the relationship with bank, usage, etc.

      Reply
  7. urluck

    This card comes free for lifetime . Indus ind platinum Aura card also comes – free for lifetime.

    Can you suggest other cards free for lifetime with airport longue access ?

    Reply
  8. urluck

    I know HDFC money back card, Indus ind platinum aura , RBL cards are free for lifetime.
    Any other cards ??

    Reply
  9. urluck

    My HDFC Regalia card mentions WORLD below mastercard logo. what is it ? It is not visa signature card. ? is it same ?

    The customer care officer on HDFC says, for Regalia card – only upgrade possible is Imperia. Dinners card will be downgrade and not upgrade from Regalia card.

    Pls guide me.

    Reply
    1. Siddharth Post author

      Its Regalia Mastercard World. You can try upgrading to Diners Black or Infinia after 6 months.

      Reply
  10. Darshan

    I want to get a credit card for the first time. I have been offered regalia first, but from the comments I see diners black is better. Please advice if there is any other alternative.

    Reply
    1. Siddharth Post author

      Diners black wont be offered initially, if you get, its one of the nice cards around.

      Reply
  11. Ashish

    All miles have 0.50 rs value and this have 0.40 so all miles ppl dont have any benefits…dey will loose 0.10…any other benifit in regalia first compare to all miles?

    Actully Allmiles will gain .10 paisa per 150 RS spent,
    IN all miles you get 3 points per 150, point value 50 paisa making 1.5Rs per 150 spent
    In Regalia firest you get 4 points per 150, point value 40 paisa making 1.6 Rs per 150 spent

    Reply
  12. sandeep

    you said that you got bussiness regalia card in 11/2015 with limit less than 2l and after 9 months your card is upgraded to diners black and you says minimu limit required for diners black is 5l so how it is possible that bank is increased your limit around 3 times in less than one year

    Reply
    1. Siddharth Post author

      Anything is possible when you have good relationship value with the bank.

      Reply
  13. RAHUL Bansal

    What does good relationship value means? can you please clarify. At least give some pointers money wise.

    Reply
    1. Siddharth Post author

      More savings/current a/c balance.. preferred or imperia customers.. home loans, etc
      Anything from which bank earns money from you.

      Reply
  14. Ashfaque

    Is Regalia original still continuing? that gives reward value of 0.75ps

    Reply
  15. Surendra

    I have superia card and have option to upgrade the card to VISA PLT Moenyback International ?

    should i go for it ? another option of regelia which they are offering.

    Reply
  16. Mohit Jindal

    I have been asked to upgrade from Diners premium to regalia first.

    Should i go ahead. I am confused which one is better

    Reply
      1. Mohit Jindal

        I have received Regalia first
        What is the remedy now?
        I havent activated the card yet?

        Moreover the card received is of Master card and not visa signature which means there is no domestic lounges except for those 4 in priority pass

        How should i move ahead
        I am a frequent traveller and need a travel card with good lounge benefits

        Reply
  17. Mohit Jindal

    The website says, Regalia first master card members, does not have access to domestic lounges through the credit card. it will be only through priority pass.
    It this information correct.

    You have mentioned above that it will be 2 per quarter.

    Please reply asap

    Reply
  18. Shiv

    Hello Siddharth,

    I’ve a HDFC Money Back card and I’m being offered a Regalia First Mastercard as a free upgrade with no annual/renewal fee. Is it worth the upgrade?

    Thanks in advance.

    Reply
  19. Ramesh

    I am an HDFC superia Life time free master credit card holder with 2.5 lac limit since 2013, My card is due for renewal next month and i had been upgraded to Money back platinum Master credit card recently. I spoke to HDFC customer Care executive and expressed my dissatisfaction about their upgrade to moneyback. He suggested me to send the upgrade form to Chennai along with necessary documents. During last year 2015-2016 I had drawn a salaried annual income with perks and perqusities of Rs. 12.84 lacs duirng last year. I am a salaried official of SBI drawing gross monthly income of Rs. 76,000/- and net monthly income of Rs. 40000/-.
    I had applied for upgrade to Life time free Regalia Master Credit card instead of existing money back intl card provided to me.

    My track record of card usage and payment is excellent. Will the bank consider my request and upgrade to Regalia variant.

    Reply
    1. Siddharth Post author

      Limit is good enough for Regalia. So yes, you will most likely get it.

      Reply
    2. Captain Bishuddha Bharatiya

      Mr. Ramesh since your credit card is 3 years old I would like to ask you that your card have not got any credit limit enhancement ever ?

      Reply
  20. Madhuri Bharatiya

    I have HDFC Visa All Miles Credit Card from September 2015. The card came with a credit limit of Rs. 1,50,000 and they have not increased it ever ( though I was told by credit card representative from my Branch that credit card limit will be increased after 6 months if the credit utilization is high) . I utilize about 95% of my limit every month and I pay total amount due every month without any delay . I have asked HDFC call center to increase my credit card limit many times but every time say that I do not have any offers in my card.
    I would like to send a credit card upgrade / limit enhancement form and my latest IT Return to HDFC, Chennai office. So do you think that HDFC will upgrade my card to Regalia and my limit will be increased ? I will file IT return of Rs. 2,70,000 or if it is necessary I can also file IT return of Rs. 4,00,000. What do you suggest ? My CIBIL score is 769.

    Reply
    1. Siddharth Post author

      2.7L on IT is too low for Regalia. If you really want regalia. 4L IT is good and process the upgrade+limit enhancement through your RM and you’ll certainly get it. Note that bank wants you more to spend on shopping/travel websites to send you more offers.

      Reply
        1. pankaj

          hello madhuri in my view hdfc bank has no rule for limit increase because in my case since sep.2013 i hold hdfc card they initially give me 50k limit and use of my card is very low 2-5% only per month some time 0% but on 1/1/14 bank increase my limit to 80k and after thar in november 2014 they upgrade my card to allmiles with 200000 limit and on august 2015 they upgrade my card to regalia life time free and 0n feb 2016 my limit is increased to 3.8l and on 11/08/2016 on net banking bank offered me credit limit of 4.9l and same time bank is also offered me a jumbo loan of 6l and one interesting thing i want to share with you bank says use card more and more for limit increase but since i hold card i only spent a total 0f 184517 rupees only and now my next card upgrade is infinia card and i have no ITR and no salary slip because i am a farmer.

          Reply
  21. Ramesh

    Sir Captain Bishuddha Bharatiya , My limit got enhanced every year and at present it is Rs. 2.5 lacs

    Reply
    1. Captain Bishuddha Bharatiya

      Mr. Ramesh thanks a lot for your reply. My All Miles credit card is 12 months old. I am desperate to get my card limit increased. Hope they will do it now. Can’t wait anymore.

      Reply
    2. Captain Bishuddha Bharatiya

      It will be very helpful Mr. Ramesh if you can tell that your credit card came with how much credit limit and how many times and how much limit was increased every time ?

      Reply
  22. Mohit Jindal

    Sir,
    I have the option to chose between Regalia First and Diners premium which card should i choose

    I am interested in lounge access
    Plus i also wish to have an add on card for my wife

    Regalia First has no benefits of lounge for add on
    Does Diners premium have any . I have no idea.

    Please suggest asap so that i can confirm the bank accordingly

    Reply
    1. Siddharth Post author

      “Regalia” has the add-on priority pass feature which will help. but Diners premium don’t have. however, am unsure about regalia first. Check with bank.

      Reply
  23. Mohit Jindal

    With regalia first they are giving priority pass with only four lounge access(domestic + international)

    Diners premium website says 5 international and unlimited national

    Still should i go for priory pass + Regalia first or
    Diners premium

    Reply
    1. Siddharth Post author

      Well, the answer is with you 🙂
      If you need more lounge access u have to go for Diners.
      Not to forget, with most mastercard debit cards, you get free domestic lounge access 2/quarter

      Reply
  24. Mohit Jindal

    Thanks sir

    The confusion was whether diners is widely accepted internationally in comparision to Priority pass

    Thats why raised the point which is better PP or diners

    Reply
    1. Siddharth Post author

      You can check it on respective websites to the countries to visit.
      PP generally gets accepted almost in every lounge.

      Reply
  25. Kuldeep

    Hi Siddharth,
    I don’t have a credit history and bank is offering regalia card against a 4l fd. Is it worth it if I just want to have a credit card? Most likely not going to use lounges and other travel benefits. Rgds

    Reply
    1. Siddharth Post author

      As long as other benefits are useful to you, yes, you can get it.

      Reply
  26. Nandhakumar

    1.Yesterday I was received regalia first card from hdfc with 1 lakh limit and already hold axis privilege card with 1 lakh limit.
    2.but I was applied diners premium card
    3.and if I will hold this card or ask cus care to change for diners premium or anything.is it possible to get.

    Reply
    1. Siddharth Post author

      Diners premium tough with this limit. If you use it high, you have a chance.

      Reply
  27. Ajit

    My current limit is 2.96 lac. I need Regalia card, but they are offering regalia first instead. My annual CTC is around 16.75 & monthly salary ranges between 1.10 to 1.20. bank says i am not eligible for upgrade to Regalia. However customer care asked to send a form to Chennai, but he wasn’t convincing either. Do you think i will get the card? How many days do they take to deliver the card? I want to make a international payment of 3lac next week. Please help

    Reply
    1. Siddharth Post author

      Yes, you’ll possibly get approved if you send the IT docs to chennai. I would however suggest you to try through RM, it has better success rate 🙂

      Reply
    2. Prashant Gupta

      Go to hdfc bank branch fill the form and drop it in the drop box…..u will get card within 10 days if everything is fine….. u cant get card within 5 days…they take time to process…….i also applies through branch in the same way……..

      Reply
  28. Nandhakumar

    What is “world” mentioned above mastercard logo in my regalia first card..

    Reply
  29. Pranav Kapoor

    How do I qualify for an upgrade from Regalia First to Regalia. I want the extra lounge visits and Taj membership.

    Reply
  30. Nandhakumar

    1.Limit upgrade is only possible after 6 months or any other way to short period to upgrade.

    Reply
    1. Siddharth Post author

      Possible after 3 months if you have updated (increased) salary documents.

      Reply
  31. Amit

    Which is better Visa or MAstercard variant in terms of lounge access??
    Also I checked with Cus Care they said i will get 4 lounge access on PP but nothing on Creditcard.. IS it so??

    Reply
    1. Siddharth Post author

      Mastercard is better.
      Yes, no lounge access on Regalia First “credit card”.
      Its available on the Original Regalia only.

      Reply
  32. Anoop

    I was recently at my local HDFC branch. I have a MoneyBack card with them against an FD of INR 60k and limit of INR 45k. I’ve had this for 2 years now, with consistent usage (min 1k max 35-40k per month) and autopay turned on.

    They offered me the Regalia First, with fees waived if you signup for SmartPay (payment of a postpaid bill, for example). Quite surprising, this is supposed to be a super premium card! But here I am, waiting on a free Regalia First with a 45k credit limit! (Though I am a Preferred customer along with the rest of my family, so maybe that’s why..)

    Anyway, just wanted to share this information with you / your readers 🙂

    Reply
    1. Siddharth Post author

      Yes, happens. They issue easily for Preferred Customers. The Original Regalia is getting tough to get though.

      Reply
      1. Anoop

        Any idea what I could apply for next? (Eyeing Regalia & Diners).

        Do I have to contact my RM for the Diners card?

        I do everything online and haven’t even met the last 3 RMs assigned to me. They keep changing!

        Reply
        1. Siddharth Post author

          Diners is good for 10x rewards and lounge access. It all depends on what benefit you’re looking for!

          Reply
  33. Jay Joshi

    Dear Siddharth
    Please help.
    Last year when I was in Gujarat, one of my aqentences held Branch managers post and suggested that I open an account with HDFC which would give me Regalia Visa signature card. I would also have Priority Pass with 5 annual free entry to Airport lounge world wide. It will be year in October of getting the card.

    I have so far not used or activated the credit card as in London there are no HDFC branches. I only visit India once or twice a year and I do not need to use the credit card but this time I may use it when I use airport lounge in London when I visit India and pay for my wifes enterence to lounge. The only attraction to obtain Priority pass was to use the Airport lounge and this limited to 5 entry a year. My wife will have to pay what ever the charges are applicable currently or swipe the card twice.

    My limit is Rs.300.000. I do not need any loan as I have other bank account with ICICI, Bank of India and Bank of Baroda and they are all current accounts and without credit card facility.

    I need to know how can the credit card be activated and also change the bank provided pin number to one of my choice. Do I only have to pay by HDFC Visa signature card when using the Lounge with Priority card.

    Reply
    1. Siddharth Post author

      Generate OTP from net banking and visit ATm to set your own PIN. Just swipe the PP card, if you exceed free accesses, they will charge your CC automatically.

      Reply
  34. Himanshu

    Hey Siddharth,

    I don’t have a CC in-hand atm (although I carried an ICICI Platinum previously but one day got super pissed when they charged me for using my payback points so I cancelled it). I have also got a few credit cards in USA and Singapore in the past (none of which are active anymore)

    I do have bank accounts in Axis and ICICI (HDFC offered me to open a new account but I got tired of managing so many accounts)

    Now here’s the thing:

    I recently spoke to a Sales Rep at HDFC when I walked into their office and the guy insisted on me getting a CC (which I don’t mind as long as its a LTF). With my current net salary being just a tad below 1.2l / month (which seems to be the minimum threshold for Regalia), the rep told me I qualify for Regalia First.

    The kicker though is: he says there’s no difference between Regalia and Regalia First other than the number of free lounge stays.

    If that’s the case, then what’s with the 1 RP = 0.40 RP being different to original Regalia? The brochure he shared with me shows identical returns for Regalia? Or could it be a case of him not being entirely honest (or maybe its me who’s misunderstanding)

    Either way, I’d appreciate it if you could clarify for me the key differences between Regalia and Regalia First (other than the lounge access ofcourse). As much as I love traveling, I’m just not doing much nowadays while I don’t get enough lounge use for this difference to be a deal breaker. A lower RP valuation is a different matter though

    Secondly, I would also love to know what you feel about having an account with HDFC. My company has a direct affiliation with HDFC so I can always open an account anytime – just as long as its worth it (I really don’t want any more tedious bank management – I’m always up for a fresh experience though)

    Cheers and apologies for the long winded response~

    Reply
    1. Siddharth Post author

      Well, forget HDFC and start using US Credit Cards 😉
      They have insane offers.

      If not,
      Yes, HDFC a/c is good.
      You can get Regalia even after 6 months of Regalia First usage.
      You can also get Regalia Directly if your Company (with good current a/c usage) can recommend you 🙂

      Reply
  35. Harjeet Singh

    Please suggest which credit card is better in terms of reward points, flight booking, airport lounge access, shopping and cashback. HDFC Regalia First or Standard Chartered Landmark Rewards Platinum Card?
    Is there any other credit card which you want to suggest?
    Thanks

    Reply
  36. Prabhu

    Hi Siddharth,

    I started my credit card journey with basic card with the limit of 18000. Later moved to the Gold…. Platinum… and went on… Now I am holding Regalia Credit Card with the limit of 800000. I do all the transaction over credit card only like mobile bill, purchasing, broadband, electricity bill, water bill, Insurance and many more.I have never missed any payment from past ten years. And currently I have rewards points around 70000. I am looking to convert this towards card. Is there anyway I can convert this to cash? I do not want to shell out this points to buy gifts.. I have already used close to 30000 points in buying items form reward catalogue.

    Looking forward for some valuable hints and points.

    Reply
    1. Siddharth Post author

      That’s an impressive credit limit Prabhu and 10 yrs is long enough as well.
      70k reward points value is 42k INR (60ps per point now) if redeemed on their website.

      Only way to use it is on flight tickets & mobile recharges.
      Consider taking your family for a vacation 🙂

      Reply
  37. ganesh

    Hi Siddharth,

    i am looking for a card who provide benefit of movie ticket 1+1.
    hdfc providing me diners card first but after seeing my transaction they said you can also go for Regalia first card.
    Is movie ticket benefit is available with Regalia card.
    Can you please suggest which card should i go.I am only looking benefit of movie ticket.

    Reply
  38. Ashokkumar

    Hi Siddharth,

    I received a card upgrade from All miles(After devaluation of rewards) to Regalia First and Jet Privilege Platinum as choices.

    I have choosen Regalia First and they told that they will give World Master Card as per the previous card.

    Which one is good for domestic and international lounge access, World Master Card or Visa Signature??

    Please advice

    Reply
    1. Siddharth Post author

      Ashok,
      Go for Visa Signature, coz some say that Mastercard lounge access not avail on Allmiles/Regalia First.

      Reply
  39. amit

    hi on which credit limit is eligible to get upgrade to regalia first currently i have 52000 rs limit

    Reply
      1. Sumit

        But bank give me online offers for upgrade from money back to regalia first at 52000rs limit ltf

        Reply
  40. amit

    i saw today on hdfc broucher two new cards bharat cash back and freedom card both of has annual fees 500rs.

    Reply
  41. Prasun Goenka

    Hi Siddharth,

    I have received a card upgrade offer from Money back to Regalia First card.

    Please advise which one should I opt for on the basis of the features they offer.

    Also, let me know the criteria for being eligible for Regalia original.

    Thanks for you help in advance.

    Reply
    1. Siddharth Post author

      Parsun,
      Upgrade it and wait for another 4-6 months to get original regalia.

      Reply

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