HDFC Regalia First Credit Card - HDFC Bank Cards

Welcome Benefit includes availing 1000 Reward Points and the renewal benefit of 1000 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off)

• You will receive Welcome Benefit of 1000 Reward Points and renewal benefit of 1000 Reward Points when the membership fee is realized
• In 12 Months, spend Rs. 1,00,000 and get Renewal Fee waived for next renewal year
• Accidental air death cover worth Rs. 50 lakhs 
• Emergency overseas hospitalization up to Rs. 10 lakhs 
• Credit Liability cover of up to Rs 5,00,000
• 1% fuel surcharge waiver at fuel stations in India on transactions between Rs.400 and Rs.5000 
• 8 Complimentary Domestic Lounge Access within India access every calendar year and 3 Complimentary International Lounge Access via Priority Pass 
• Earn 5,000 Reward Points on annual spends of Rs. 3,00,000 or more in each anniversary year
• Avail up to 5% cashback on travel and shopping spends on SmartBuy
• Earn more 2,500 Reward Points on annual spends of Rs. 6,00,000 or more in each anniversary year
• Enjoy the experience of the Good Food Trail dining program at premium restaurants in top cities  

Rewards Rate: 

• 4 reward points on Rs. 150, on all retail spends such as Insurance, Utilities, Education, and RentPay

Pros

• Enjoy exclusive dining privileges with a 15% discount at partner restaurants
• Avail 4 Reward Points for every Rs. 150 spent
• Complimentary Priority Pass Membership for free access to over 1000 lounges globally

Cons

• No complimentary offers for movie tickets 
• The travel benefits only come only in the form of lounge access, there are no air miles or co-branded benefits provided
• Cardholders will avail the free Priority Pass membership only after they make 4 retail transactions and they need to apply for the same