Joining Fee:
₹1000 +GST
Return Percentage:1% to 2%
Credit Card Overview
A lighter version of Regalia providing travel and shopping rewards, milestone benefits, and lifestyle privileges at an affordable annual fee.
Best Suited For: Experience, Travel Booking, Hotel Transfer, Catalogue Products
HDFC
Fees and charges at a glance
- Annual fee
- ₹1,000
- Joining fee
- ₹1,000
- Reward rate
- 1% to 2%
- Forex markup
- 3.5%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
HDFC Regalia First credit card — Earn Categories
Where you earn more
- RedBus via SmartBuyTravel · Buses15 reward points / ₹200
A maximum of 2,000 accelerated RPs can be earned per day and 4,000 accelerated RPs can be earned per calendar month. · Minimum ₹200 per transaction
Other categories
- Hotels30 reward points / ₹200
A maximum of 4,000 accelerated Reward Points can be earned cumulatively on SmartBuy per month, subject to a maximum of 2,000 accelerated Reward Points per day. · Minimum ₹200 per transaction
Everyday rate
- Base Rewards3 Reward Points (reward points) / ₹200
Minimum ₹200 per transaction
7 more earning categories on this card
We track all 10 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Wallets
- Rent
- Jewellery
- Fuel
- EMI
- Government
- Education