What is the annual fee of the HDFC Regalia First Credit Card?

Rs 1,000 a year, before GST. It is waived if you spend Rs 1,00,000 in a year.

Does the HDFC Regalia First Credit Card give airport lounge access?

No lounge access is listed for this card.

What is the forex markup on the HDFC Regalia First Credit Card?

3.5% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the HDFC Regalia First Credit Card?

No points on rent, education, wallet, EMI, petrol (page); government spends, online skill gaming (MITC)

M16S / HDFC Bank / HDFC Regalia First Credit Card

mid · rewards

HDFC Regalia First Credit Card

HDFC BankVisa · MastercardLast checked 31 Oct 2026closed to new applicants

The HDFC Regalia First Credit Card costs Rs 1,000 a year, waived if you spend Rs 1,00,000 in a year. Its base return is 0.45%. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 31 Oct 2026.

Annual fee: Rs 1,000+ GST
Fee waived at: Rs 1,00,000annual spend
Base return: 0.45%
Forex markup: 3.5%
Interest: 3.75%a month

Fees

Joining fee	Rs 1,000
Annual fee	Rs 1,000
Annual spend that waives the fee	Rs 1,00,000
Fee notes	Joining/renewal fee Rs 1,000 + taxes; renewal fee waived on Rs 1 lakh annual spend (HDFC page and MITC).

Rewards

Welcome benefit	1,000 RP
Reward currency	Reward Points
Base earnunverified	3 RP per Rs 200 (page headline). The same page also says '3 RP per Rs 150 from 1 Sep 2024, excluding wallet, EMI and petrol' and, in a block worded for Business Regalia First, '4 RP per Rs 150'.
Base returnunverified	0.45%
Point value	1 RP = Rs 0.30 flights/hotels on SmartBuy; 0.3 airmile; up to Rs 0.25 products/vouchers; Rs 0.10 cashback (page)
Caps	Max 25,000 RP per statement cycle (one line says per calendar month); grocery 2,000 RP/month; travel redemption 50,000 RP/month and up to 70% of booking value (page)
Spends that earn nothing	No points on rent, education, wallet, EMI, petrol (page); government spends, online skill gaming (MITC)
Points expiry	2 years
Milestone benefits	7,500 bonus RP at Rs 6 lakh and a further 5,000 RP at Rs 9 lakh spend per anniversary year (page headline; another block says 5,000 RP at Rs 3 lakh and 2,500 RP at Rs 6 lakh)
Reward notes	Redemption fee Rs 99 + GST (MITC). Base return = 3 RP/200 x Rs 0.30 = 0.45%; not recomputed because the page gives three different earn rates. At 3 RP per Rs 150 it would be 0.60%.

Travel and perks

Domestic lounge	None: lounge benefit discontinued from 1 Dec 2023 (page FAQ)
International lounge	None: lounge benefit discontinued from 1 Dec 2023 (page FAQ)
Forex markup	3.5%
Fuel surcharge waiver	1% on txns Rs 400-5,000, cap Rs 500 per statement cycle (page)
Other freebies	Up to 20% savings via Swiggy Dineout; SmartPay cashback up to Rs 1,800 in the first year plus Rs 800 e-vouchers; 5% cashback on electricity, telecom, tax payments (max Rs 500, first year only); insurance listed as air accident Rs 1 crore, overseas hospitalisation Rs 15 lakh, lost card Rs 9 lakh, though another block says Rs 50 lakh/Rs 10 lakh/Rs 5 lakh and that comprehensive protection is discontinued

Charges and eligibility

Interest per month	3.75%
Late payment fee	On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)
Cash advance fee	2.5% of amount, min Rs 500
Eligibility	Closed to new applicants
Fine-print notes	Legacy card. Issuer product page read 2026-10-12. The HDFC page for this legacy card mixes Regalia First and Business Regalia First text and contradicts itself on earn rate, milestones and insurance. Conflicts (issuer page used): forex_markup_pct: old 3.5 vs page 2.0 (page line sits in a block worded for Business Regalia First, so kept in unverified_fields) \| base_earn: old '3 RP per Rs 200' (cardinsider) matches the page headline, but the page body says '3 RP per Rs 150 from 1 Sep 2024'; left unverified. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.

Questions

What is the annual fee of the HDFC Regalia First Credit Card?: Rs 1,000 a year, before GST. It is waived if you spend Rs 1,00,000 in a year.
Does the HDFC Regalia First Credit Card give airport lounge access?: No lounge access is listed for this card.
What is the forex markup on the HDFC Regalia First Credit Card?: 3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the HDFC Regalia First Credit Card?: No points on rent, education, wallet, EMI, petrol (page); government spends, online skill gaming (MITC)