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You earn 4 reward points on Rs. 150, on all retail* spends including Insurance, Utilities, Education and RentPay.
Card Details
Visa Customers will be charged a transaction fee of Rs. 2 on their Visa Regalia First Credit card towards complimentary lounge access
- 10,000 bonus reward points on spending Rs. 5 Lakh in an anniversary year
- Emergency overseas hospitalization cover of Rs. 15 lakh.
- 12 complimentary visits to airport lounges per calendar year within India, at both domestic and international terminals (6 each)
- 1% fuel surcharge waiver at all fuel stations across India on your transactions between Rs. 400 to Rs. 5,000.
- Get upto 5% cashback on your travel and shopping spends on SmartBuy
- Air accident death cover of Rs. 1 crore
Interest Rates & Fees Summary
| Purchases Intro APR | Balance Transfers Intro | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% intro on purchases for 12 months | N/A | 12.74% – 22.74% (Variable) | $0 | Excellent, Good |
How Cash Bask Adds Up
Earn 6% Cash Back
At US supermarkets, up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Earn 3% Cash Back
At US gas stations and select US department stores. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Earn 1% Cash Back
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Cash Back
Earn cash back on eligible purchases and have the flexibility to carry a balance with interest or pay in full each month.