HDFC Regalia Gold Credit Card Now Available on RuPay Network
HDFC Bank has officially launched its popular Regalia Gold Credit Card on the RuPay network. This is a big update for Indian credit card users because it combines premium card benefits with the convenience of RuPay and UPI payments.
The Regalia Gold card is already well-known for its travel perks, reward points, airport lounge access, and lifestyle privileges. Until now, it was available only on the Mastercard network. With the new RuPay SELECT variant, cardholders can enjoy all the existing benefits and gain extra advantages offered by RuPay.
Key Highlights of the RuPay Version
The HDFC Regalia Gold RuPay Credit Card comes with a joining and annual fee of ₹2,500 plus GST. The biggest addition is UPI integration, which allows users to link their card with apps like Google Pay, PhonePe, and Paytm.
This means you can now use your credit card for UPI transactions and earn reward points on everyday spending such as groceries, travel bookings, and shopping. This is one of the biggest advantages of using the RuPay network because it blends digital convenience with rewards.
All the features of the original Regalia Gold card remain intact, including rewards, lounge access, insurance, and milestone benefits. Now, the card is even more convenient for daily use.
Benefits of HDFC Regalia Gold RuPay Credit Card
HDFC Bank has designed the Regalia Gold RuPay Credit Card to provide excellent lifestyle, dining, and travel benefits for Indian customers. Here are the top features and offers you get with this card:
- Welcome voucher worth ₹2,500 on joining
- Annual fee waived on spending ₹4 Lakhs in a year
- Up to ₹10,000 worth of flight vouchers and brand gift cards on reaching spending milestones
- Earn 4 Reward Points per ₹150 on all retail spends and 5X points on Myntra, Nykaa, Reliance Digital, and Marks & Spencer
- 12 complimentary domestic and 6 international airport lounge visits every year
- Insurance cover worth up to ₹1 Crore and overseas hospitalization cover up to ₹15 Lakhs
- Free 1-year Swiggy One and MMTBLACK Gold membership on spending ₹1 Lakh in 90 days
RuPay SELECT Advantages
Since this card comes under the RuPay SELECT variant, you also get access to additional RuPay-specific offers and privileges. Cardholders can access exclusive RuPay offers, partner discounts, and rewards on UPI-linked transactions.
This makes the card a perfect mix of lifestyle benefits, travel privileges, and domestic payment convenience. Users get both the traditional Regalia Gold advantages and new RuPay-specific rewards.
Why This Launch Matters
The launch of the Regalia Gold on RuPay comes at a time when digital payments are booming in India. With UPI becoming a primary mode of transaction, linking it to a credit card allows users to earn rewards on all everyday spending while enjoying premium benefits.
This also supports the government’s push for Made in India financial products. RuPay’s growing acceptance across India and abroad strengthens the card’s value for both domestic and international users.
UPI Integration: A Major Advantage
Now, you can link your HDFC Regalia Gold RuPay Credit Card to UPI apps and make fast and secure payments. Every transaction earns reward points, which was not possible with older debit or credit UPI cards.
This feature makes it simple to pay bills, shop online, and even split payments with friends while earning rewards at the same time.
Offer Summary
| Feature | Details |
|---|---|
| Card Name | HDFC Regalia Gold RuPay Credit Card |
| Network | RuPay SELECT |
| Joining/Annual Fee | ₹2,500 + GST |
| Welcome Benefit | ₹2,500 voucher on joining |
| UPI Payments | Available with reward earning |
| Lounge Access | 12 domestic + 6 international visits per year |
| Insurance Cover | Up to ₹1 Crore |
| Overseas Hospitalization | Up to ₹15 Lakhs |
| Annual Fee Waiver | On ₹4 Lakh annual spend |
| Reward Rate | 4 Reward Points per ₹150, 5X on select brands |
Industry Insights
Experts say that the HDFC Regalia Gold RuPay launch shows how Indian banks are adapting to digital-first payment trends. UPI is now widely used across all age groups, and integrating it with premium credit cards makes financial products more flexible and rewarding.
The Global Fintech Fest 2025 witnessed several RuPay-based launches from other banks, signaling a strong future for domestic payment networks. HDFC Bank’s move further strengthens RuPay’s credibility as a premium network that can compete globally.
Bottom Line
The HDFC Regalia Gold RuPay Credit Card brings together luxury, rewards, and convenience. It offers travel perks, milestone rewards, complimentary memberships, insurance protection, and now, the added benefit of earning points on UPI payments.
For people who travel frequently, shop online, or prefer digital payments, this card provides great value. With RuPay SELECT privileges, you can enjoy both the traditional Regalia Gold benefits and additional RuPay rewards.
If you are looking for a premium credit card that combines lifestyle benefits with digital convenience, the HDFC Regalia Gold RuPay Credit Card is one of the best choices in India today.
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