HDFC BankVisaEntry-level

Regalia First credit card

Entry into the Regalia family: 4 RP per ₹150 and 8 domestic lounge visits.

Personal score48/100● Good fit

Recurring net savings₹2,685/yrafter fee, GST and caps · bills paid in full

First-year value₹1,505no welcome offer, ₹1,180 joining fee

Effective savings rate0.8%on ₹3,26,640 card spend · 6% = full marks

Annual fee (incl. GST)Waived ~~₹1,180~~waiver at ₹1,00,000 spend

Lounge access✈8 domyou can use 2 of your visits

Personalise Official page ↗

Source: HDFC Bank – Regalia First product page · last reviewed 2026-09-12

Standard profile

Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail

₹2,325/yrBase rate 0.8% on other spends

Waived₹1,180 fee

2/2lounge visits covered

1/1lifestyle perks matched

₹36,000earns nothing (fuel)

! Not a RuPay card – your UPI QR spends cannot go on it.

Where the money comes from

₹2,685/yr · 0.8%

Base rate 0.8% on other spendson ₹2,90,640₹2,325

Excluded categories (no rewards)on ₹36,000₹0

Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹2,685/yr is calculated: Regalia First
+ Reward value on your spendat ₹0.3/Reward Points realistic value: ₹2,325
+ Fuel surcharge waiver1% up to ₹250/month: ₹360
+ Annual fee incl. 18% GSTwaived – ₹1,180 at ₹1,00,000 spend: ₹0
= Recurring net savings: ₹2,685/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards: ₹3,26,640
= Effective savings rate: 0.8%

How the score of 48 is built

weights total 100% · methodology

Net savings rate17/100 × 55%9.2

Usable lounge access100/100 × 15%15.0

Redemption flexibility60/100 × 10%6.0

Lifestyle fit100/100 × 10%10.0

Simplicity60/100 × 5%3.0

Fee safety100/100 × 5%5.0

Airport lounges with this card

Open Lounge Finder →

42airports in India

50lounges you can enter

2 per quarterdomestic

Noneinternational

How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 4 lounges

✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified

BOM Mumbai 3 lounges

✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified

BLR Bengaluru 2 lounges

✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified

MAA Chennai 2 lounges

✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk

HYD Hyderabad 2 lounges

✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified

IXA Agartala 1 lounge

✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

AMD Ahmedabad 1 lounge

✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified

ATQ Amritsar 1 lounge

✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk

AYJ Ayodhya 1 lounge

✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk

IXB Bagdogra 1 lounge

✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

BHO Bhopal 1 lounge

✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

BBI Bhubaneswar 1 lounge

✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

+ 30 more airports in the Lounge Finder.

What changed on this card

1 Jul 2025New feeHDFC Bank
HDFC Bank: 1% fee on rent, high utility and gaming spends; insurance reward caps
From 1 July 2025 HDFC cards charge 1% (capped at ₹4,999 a month) on rent payments, on all utility transactions once monthly utility spend crosses ₹50,000 on personal cards, and on online skill-based gaming above ₹10,000 a month (gaming also earns no points). Insurance reward points are capped at 10,000 a month on Infinia, 5,000 on Diners Black and 2,000 on other cards.
Cards: Infinia Metal, Diners Club Black Metal, Regalia Gold, Regalia, Millennia, Swiggy HDFC Bank, Tata Neu Infinity HDFC Bank, Tata Neu Plus HDFC Bank +10 more · Source: Business Standard – HDFC credit card users alert: new fees, reward caps from July 1 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn0.8%value on eligible spend

⚡ Acceleratednone

🚫 No rewards onfuelrent

🏷️ Fees₹1,180/yr incl. GSTwaived on ₹1,00,000 spend · joining ₹1,000

🎁 Welcome (year 1)none

🏁 Milestonesnone

✈️ Lounge✈2/qtr dom🌏0 intl8 domestic per year

🌏 Forex markup3.5%+ GST on the markup

🔁 Redemption₹0.3/Reward Points ★★★☆☆₹0.50 on SmartBuy flights; ₹0.30 vouchers.

🧩 Simplicity★★★☆☆a few caps to track

🎯 Lifestylefuel waiver

🪪 EligibilityIncome ₹3L+/yr

At a glance

Cheap lounge access

Low earn

Community Q&A on the Regalia First

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the HDFC Bank Regalia First?

Joining fee ₹1,000 and renewal fee ₹1,000, plus 18% GST (₹1,180 a year). The renewal fee is waived if you spend ₹1,00,000 in the card year.

Does the Regalia First give airport lounge access?

8 domestic/yr. 8 domestic per year.

How much can I save with the Regalia First?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹2,685 a year, an effective savings rate of 0.8% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Regalia First's reward exclusions and caps?

No rewards on fuel, rent. No monthly caps on the main earn rates.

Sources

HDFC Bank – Regalia First product page

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: Regalia First lounge access by airport · all HDFC Bank cards · change log.