CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

Regalia First

36
Ranked #59 of 170 in credit
creditVisa/MastercardMid-premium travelLegacy · discontinued

DISCONTINUED mid-premium HDFC travel card (successor to the retired Allmiles card) offering broad-category reward earning at 4 points/Rs150, strong travel redemption, and Priority Pass lounge access.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value18/100 · weight 71%
≈ 0.80% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
Fee efficiency91/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks66/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹1,000 + 18% GST
= ₹1,180 total
Annual fee
₹1,000 + 18% GST
= ₹1,180 / year total
Waiver: Waived on Rs 1 lakh annual spend in 12 months (historical — card no longer accepting new applications)
Forex markup
2%

Lounge access

Domestic (per year)
8
International (per year)
3

Reward structure

CategoryTypeRateCapNotes
all_spendspoints0.80%(2.67 pts @ ₹0.30)—4 points per Rs 150 = 2.67% nominal; up to Re 0.30/point if redeemed for travel via SmartBuy Regalia portal; DISCONTINUED card

Welcome offer

1,000 Reward Points on joining fee payment

Milestone benefits

Pros

  • Rewards ALL spend categories including insurance/utilities/rent/education (rare), strong travel redemption value (up to Re 0.30/point), good lounge access (domestic+international via Priority Pass), Good Food Trail dining program up to 40% off, solid insurance bundle

Cons

  • DISCONTINUED — HDFC confirms not accepting new applications as of Jun 2026
  • redemption value drops sharply if used for catalogue/shopping vs travel bookings
  • Rs 99 per redemption request fee

What's inside

More benefits

  • Good Food Trail dining program

    Dining privileges at premium restaurants, up to 15% discount

    unlimited. DISCONTINUED card

  • Insurance bundle

    ₹50,00,000

    Air accident death cover Rs 50 lakh, overseas hospitalization Rs 10 lakh, credit liability Rs 5 lakh

    yearly. DISCONTINUED card

Insurance cover

text
₹NaN

Eligibility

text
Age 21-60 (salaried) / 21-65 (self-employed), credit score 750+ (historical criteria)

Small print

Fuel surcharge:1% fuel surcharge waiver, Rs 400-5,000 transactions, capped Rs 250/statement cycle