HDFC Bank Regalia First Credit Card

HDFC Bank · ₹1,000 a year · fee waived on ₹1,00,000 of annual spend

An entry premium card.

What the bank says

• 3 reward points per ₹150
• Points worth ₹0.30 on flights and hotels, up to ₹0.25 on products
• Foreign currency markup of 2%

Things that catch people out

• HDFC Bank’s page gives no cashback value for its points, so it is not ranked.
• Lounge access on this card has been discontinued.

Joining fee: ₹1,000. Foreign currency markup: 2%. This card is no longer issued.

Read from HDFC Bank’s own page on 2026-09-16.

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