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 While complimentary lounge access has been withdrawn from 1st December 2023, the card still provides valuable features.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".

Read More - Business Regalia Credit Card

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.

Step 4: Annual Limit and ChargesAlso Read - HDFC Diners Club Privilege Credit Card

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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