HDFC Bank Regalia Gold Credit Card
Best for mid-premium travellers wanting lounge access and brand accelerators. 4 Reward Points per Rs 150 (~1.3%); 5X on Marks & Spencer, Myntra, Nykaa, Reliance Digital (~6.6%); up to 10X on SmartBuy hotels
Terms as of 2025-09-04 · Checked 28 September 2026HDFC Bank Regalia Gold Credit Card at a glance
Who it suits: Mid-premium travellers wanting lounge access and brand accelerators
Rewards & cashback
| Details | |
|---|---|
| How you earn | 4 Reward Points per Rs 150 (~1.3%); 5X on Marks & Spencer, Myntra, Nykaa, Reliance Digital (~6.6%); up to 10X on SmartBuy hotels |
| Caps & exclusions | Accelerated brand points capped at 5,000/month; SmartBuy 10X capped at 4,000 points/month |
| Welcome benefit | Rs 2,500 gift voucher on fee payment (paid cards); Swiggy One + MMT Black Elite on Rs 1 lakh spend in 90 days. Milestones: Rs 1,500 voucher per quarter on Rs 1.5 lakh; Rs 5,000 flight vouchers at Rs 5 lakh and Rs 7.5 lakh |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹1,596 | -₹1,354 |
| ₹3,00,000 / year | ₹3,990 | ₹1,040 |
| ₹6,00,000 / year | ₹7,980 | ₹7,980 |
| ₹12,00,000 / year | ₹15,960 | ₹15,960 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | 12 domestic visits/yr; 6 international visits/yr via Priority Pass (primary and add-on) |
| Fuel surcharge | Not stated in source |
| Forex markup | 2.00% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹2,500 + GST |
| Annual / renewal fee | ₹2,500 + GST |
| Fee waiver | Annual fee waived on Rs 4 lakh annual spend |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Salaried Rs 1 lakh/month; self-employed Rs 12 lakh+/yr |
| Age | Typically 21-60 (salaried), up to 65 (self-employed); card-specific |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| Standard Chartered Beyond | Standard Chartered | ₹15,000 / ₹25,000 | 3.33% base value | Affluent Priority Banking clients |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
Frequently asked questions
What is the annual fee of the HDFC Bank Regalia Gold Credit Card?
Joining fee ₹2,500 and annual fee ₹2,500 (plus 18% GST). Annual fee waived on Rs 4 lakh annual spend.
What rewards does it offer?
4 Reward Points per Rs 150 (~1.3%); 5X on Marks & Spencer, Myntra, Nykaa, Reliance Digital (~6.6%); up to 10X on SmartBuy hotels Caps/exclusions: Accelerated brand points capped at 5,000/month; SmartBuy 10X capped at 4,000 points/month
Does it give airport lounge access?
12 domestic visits/yr; 6 international visits/yr via Priority Pass (primary and add-on)
What is the forex markup?
2.00% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹2,360.
Who is eligible?
Salaried Rs 1 lakh/month; self-employed Rs 12 lakh+/yr. A CIBIL score of 750+ improves approval chances.
Is the HDFC Bank Regalia Gold Credit Card good for me?
Best for: Mid-premium travellers wanting lounge access and brand accelerators. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.cardexpert.in, 2025-09-04. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on HDFC Bank’s website before applying. FinancePortal is not affiliated with the issuer.