Credit Card Compare

Regalia First Credit Card

Data last updated 25 October 2026
45.00%
Purchase rate
₹1,000
Annual fee
1,000
Bonus points

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Application

CardIQ

32Basic

Basic

Overall score, out of 100 · How this works

  • Rewards30
  • Sign-up bonus20
  • Travel48

Customer reviews

No reviews yet. Be the first to review the Regalia First Credit Card.

Pros & cons

What's good

  • 1,000 bonus points to start, worth around ₹500 at our ₹0.5-per-point valuation.
  • No fee to add an additional cardholder.

Worth noting

  • ₹1,000 plus applicable taxes (GST at 18%) for both joining and renewal; waived if annual spends exceed ₹1 lakh. Tax not included in stated fee.
  • Earns 3 Reward Points per ₹200 on everyday spend, below the dataset average.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Platinum
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
HDFC Bank Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
Not published
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹1,000 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹550

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
MAD = Total GST + EMI amount + 100% of Fees/Charges + 5% of (Finance Charge + Retail Spends + Cash Advance) + Over-limit Amount* (if any)

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
3 Reward Points per ₹200
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
1,000 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days50 daysTop 10% (8th of 73 cards)
Purchase rate45.00%Top 25% (21st of 91 cards)
Rewards value₹4,050 a yearTop 25% (16th of 61 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)
Sign-up bonus₹500Middle of the market (22nd of 37 cards)
Annual fee₹1,000 a yearMiddle of the market (55th of 91 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
HDFC Bank