The HDFC Regalia Credit Card offers complimentary airport lounge access at domestic and international terminals, enhancing your travel experience with comfort and convenience. Cardholders can enjoy a set number of free visits each year at partnered lounges.
Example for Easy Understanding
Rahul, a consultant from Pune, travels frequently for work. He uses his HDFC Regalia Credit Card for various expenses, including travel, dining, and shopping. Over a few months, his total spending qualified him for complimentary lounge access, which he used at Mumbai International Airport during an overseas trip.
Expense Type
Monthly Spend (₹)
Quarterly Total (₹)
Air Tickets
15,000
45,000
Dining & Cafes
7,000
21,000
Apparel Shopping
6,000
18,000
Total
₹84,000
With a quarterly spend of ₹84,000, Rahul enjoyed international lounge access. Cardholders should check their card’s lounge programme, as access limits and eligible locations may vary.
Features and Benefits of HDFC Regalia First Credit Card Lounge Access
The HDFC Regalia First Credit Card offers a range of benefits beyond lounge access. While complimentary lounge access has been withdrawn from 1st December 2023, the card still provides valuable features. The table below highlights the key features and benefits of the card in a simple format for easy understanding.
Feature
Benefit
Lounge Access
From 1st December 2023, complimentary lounge access is no longer available in India or abroad.
Dining Privilege
Enjoy the Good Food Trail dining programme at top restaurants in major cities.
Reward Points on Spends
Earn 3 reward points for every ₹150 spent on retail purchases.
Annual Spend Bonus
Earn 5,000 points on spends of ₹3,00,000+ and an extra 2,500 points on spends of ₹6,00,000+ in an anniversary year.
Reward Point Limit
You can earn up to 25,000 reward points per billing cycle.
SmartBuy Travel Portal
Use reward points to book flights and hotels instantly
Reward Point Value
Get up to ₹0.30 per point on flight/hotel bookings, ₹0.25 on vouchers/products, and ₹0.15 as cashback.
Redemption Cap
Use reward points for up to 70% of travel booking value; pay the rest with your card.
Accelerated Rewards
Get up to 5% cashback on travel and shopping spends through SmartBuy.
Fuel Surcharge Waiver
Enjoy a 1% fuel surcharge waiver on fuel spends between ₹400 and ₹5,000 (no reward points on fuel).
Contactless Payments
Make secure and quick tap-to-pay purchases. PIN needed only for transactions of ₹5,000 or more.
Air Accident Insurance
Get cover worth ₹50 lakhs (around USD 62,500) in case of accidental air death.
Emergency Medical Cover
Receive up to ₹10 lakhs (around USD 12,500) for emergency overseas hospitalisation.
Lost Card Protection
Get liability cover up to ₹5,00,000 if you lose your card and report it immediately.
Eligibility Criteria for Regalia First Credit Card Lounge Access
Eligibility Criteria
Details
Residential Status
You must be a resident of India. Some Non-Resident Indians (NRIs) may also be eligible.
Age Requirement
If you are salaried, you should be between 21 and 60 years old. If you are self-employed, your age should be between 21 and 65 years.
Income Requirement
You must earn a steady income. For example, if you earn around ₹1,00,000 per month, you may qualify for Regalia Gold. Lower income may qualify you for other cards like MoneyBack+.
Credit History
You need a good credit score. A score of 750 or more improves your chances of getting approved. Your repayment history must be reliable.
Bank Account
You don’t need an account with HDFC Bank, but you must show valid proof of income, such as salary account statements or tax returns.
Note:
As of 1st December 2023, the Regalia First Card no longer provides complimentary lounge access within or outside India.
How to Use a HDFC Regalia First Credit Card for Lounge Access?
1. Domestic Lounge Access (Within India)
Step 1: Spend Requirement To become eligible for complimentary lounge access in India, you must spend ₹1,00,000 or more in a calendar quarter (Jan–Mar, Apr–Jun, Jul–Sep, or Oct–Dec).
Step 2: Generate Lounge Voucher Once you have met the spend requirement, visit the official HDFC SmartBuy portal. Navigate to the Lounge Access section and click on "Generate Voucher".
Step 3: Receive Voucher After generating the voucher, you will receive it via SMS and email. The voucher will include a PDF file with a QR code.
Step 4: Present the Voucher at the Lounge At the airport, go to the DreamFolks lounge counter. Show the QR code to the staff, who will scan it and allow you entry.
Step 5: Usage Limit You can avail of up to 2 complimentary domestic lounge visits per quarter, provided you meet the spending criteria.
2. International Lounge Access (Outside India)
Step 1: Transaction Requirement To qualify for international lounge access, you must complete at least 4 retail transactions using your Regalia First Credit Card.
Step 2: Apply for Priority Pass After completing the required transactions, you can apply for a Priority Pass membership. This can usually be done through the SmartBuy portal or by contacting HDFC customer service.
Step 3: Use Priority Pass at Lounges Present your Priority Pass card at participating international lounges. Lounge staff will either scan the card or take a manual imprint. You will be asked to sign a voucher or digital log confirming your visit.
You and your add-on cardholder can each enjoy 6 complimentary international lounge visits per calendar year. After the free limit is exhausted, you will be charged USD 27 plus applicable GST per visit, which will reflect in your credit card bill.
You may use the Priority Pass at over 1,000 lounges globally.
Guests accompanying you will also be charged USD 27 plus GST per visit.
Lounge charges beyond the free limit will be calculated based on currency exchange rates on the billing date.
For queries related to Priority Pass, email pp@prioritypass.com.hk with your Tripass number and mention that your membership is through HDFC Bank.
Note:
As of 1st December 2023, the Regalia First Card no longer provides complimentary lounge access within or outside India.
HDFC Regalia First Credit Card Participating Airport Lounges
City
Lounge
Terminal
New Delhi
Encalm Lounge
Domestic T3
New Delhi
Encalm Lounge
International T3
Mumbai
Travel Club Lounge (MALS)
Domestic T2
Mumbai
Loyalty Lounge (Clipper)
International
Bangalore
BLR Domestic Lounge
Domestic
Bangalore
BLR International Lounge
International
Kolkata
Travel Club Lounge
Domestic
Hyderabad
Encalm Lounge
Domestic
Hyderabad
Encalm Lounge
International
Chennai
Travel Club Lounge B
Domestic
Chennai
Travel Club Lounge A
Domestic
Chennai
Travel Club Lounge
International
Please Note:-
To enter a participating airport lounge, you must validate your HDFC Regalia Credit Card at the entrance by swiping it for a small charge.
If you have already used your free lounge visits for the quarter, the transaction will be declined. The lounge staff will inform you at the entrance.
The lounge access benefit is non-transferable, cannot be exchanged for cash, and cannot be negotiated.
You must show a valid and eligible HDFC Regalia Credit Card to use the lounge. The bank may change or remove this benefit, or update card eligibility, at any time without prior notice.
Lounges may charge extra for meals, drinks (especially alcoholic drinks), and special services such as napping, massages, or spa treatments. These charges depend on the lounge’s policies.
Most lounges allow you to stay for 2 to 3 hours. They may charge extra if you stay longer. The lounge decides on this policy.
HDFC Bank is not responsible for the quality or availability of services provided inside the lounge.
Conclusion
The HDFC Regalia First Credit Card allows you to enjoy premium airport lounge access, adding comfort and value to your travel experience. For domestic lounges, you need to spend ₹1,00,000 in a calendar quarter to receive up to two complimentary lounge vouchers. These vouchers are easy to generate through the SmartBuy portal and can be used at partner lounges across India.
For international travel, you must complete at least four retail transactions to apply for a Priority Pass, which gives you and your add-on cardholder up to six complimentary visits each year. Any visits beyond this limit, or guest visits, are charged at a fixed rate.
FAQ’s
1. How can I get domestic lounge access with Regalia First? You must spend ₹1,00,000 in a calendar quarter. After that, you can generate e-vouchers through the SmartBuy portal to access domestic lounges.
2. How many free lounge visits can I get in India? You can get 2 complimentary domestic lounge visits per calendar quarter, provided you meet the spending requirement.
3. How do I get international lounge access? You need to complete 4 retail transactions on your card, then apply for a Priority Pass to access international lounges.
4. How many free international visits are allowed? You get up to 6 complimentary visits per calendar year through Priority Pass. This limit applies to both primary and add-on cardholders.
5. Will I be charged for extra lounge visits? Yes, after the free limit, each extra visit costs USD 27 plus GST, which will be billed to your credit card.
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