{
  "id": "hdfc-regalia-first-credit-card",
  "locale": "hi",
  "name": "HDFC Regalia FIRST Credit Card",
  "bank": "HDFC Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹1,000 + GST",
  "loungeAccess": "8 मानार्थ डोमेस्टिक एयरपोर्ट लाउंज/वर्ष (2 प्रति तिमाही)",
  "rewardsRate": "4 अंक/₹150 (0.80%) · 8 डोमेस्टिक लाउंज · ₹1L शुल्क माफी · 1% फ्यूल छूट",
  "bestFor": "रेगालिया इकोसिस्टम में प्रवेश करने वाले कार्डधारक, तिमाही लाउंज आराम व यात्रा बचत",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/regalia-first-credit-card",
  "aiVerdict": {
    "score": 5.1,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.8,
  "affiliateId": "hdfc-regalia-first-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — Regalia FIRST Credit Card schedule of charges",
    "HDFC SmartBuy travel redemption terms for Regalia series"
  ],
  "feeWaiver": "₹1,00,000 वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "बेस रिवॉर्ड्स",
      "value": "4 अंक / ₹150 (0.80%)"
    },
    {
      "key": "एयरपोर्ट लाउंज",
      "value": "8 डोमेस्टिक / वर्ष (2/तिमाही)"
    },
    {
      "key": "SmartBuy यात्रा",
      "value": "1 pt = SmartBuy पर ₹0.30"
    },
    {
      "key": "ईंधन छूट",
      "value": "1% सरचार्ज माफी"
    },
    {
      "key": "शुल्क माफी लक्ष्य",
      "value": "₹1,00,000 / वर्ष"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹1,000 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "सभी घरेलू रिटेल खर्च",
      "rate": "4 pts / ₹150 (0.80%)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "2,666 pts (₹800 मूल्य)"
    },
    {
      "category": "ईंधन और किराया",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "रिटेल खर्च",
      "multiplier": "4 pts / ₹150",
      "rate": "0.80%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "सभी रिटेल खरीद पर।"
    },
    {
      "channel": "एयरपोर्ट लाउंज",
      "multiplier": "8 / वर्ष",
      "rate": "2 / तिमाही",
      "monthlyCap": "2 / तिमाही",
      "dailyCap": "—",
      "note": "भारतीय हवाई अड्डों पर।"
    },
    {
      "channel": "शुल्क माफी",
      "multiplier": "100%",
      "rate": "₹1,000 की छूट",
      "monthlyCap": "1 / वर्ष",
      "dailyCap": "—",
      "note": "₹1,00,000 खर्च पर पूरी फीस माफ।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "SmartBuy फ्लाइट्स व होटल",
      "value": "₹0.30 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "ब्रांड शॉपिंग वाउचर्स",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंप खरीद (सरचार्ज माफी के बाहर)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹1,000 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹1,000 + GST (₹1 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.49% प्रति माह (41.88% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 60 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹40,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹5.0 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}