HDFC Bank Regalia First credit card
HDFC BankVisaEntry-level

Regalia First credit card

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

47
Personal score47/100● 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 ₹1,180waiver at ₹1,00,000 spend
Lounge access✈8 domyou can use 2 of your visits
PersonaliseOfficial page ↗

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

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

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 the score of 47 is built

weights total 100% · methodology
Net savings rate14/100 × 55%7.5
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.

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

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.