HDFC Bank Regalia Gold Credit Card

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The HDFC Regalia Gold Credit Card gives you rewards every time you spend. Whether you're eating out, shopping, or traveling, you earn points on every purchase. The card has a joining and annual fee of ₹2,500 and includes free Club Vistara and MMT Black memberships, which give you perks like priority check-in and free airport lounge access. You also get rewards on your daily spending, with benefits ranging from 1.3% to 13%.

You earn 4 Reward Points for every ₹150 spent on regular purchases and 5X points on shopping at Nykaa, Reliance Digital, Myntra, and Marks & Spencer. If you spend ₹1 lakh in the first 90 days, you get free MMTBLACK Gold and Swiggy One membership. Reward points can be used for flights, hotels, cashback, and vouchers through Netbanking or Smartbuy. Frequent travelers also enjoy free lounge access and flight vouchers, making this card great for both everyday shopping and premium benefits.

Credit Card Detail
HDFC Bank Regalia Gold Credit Card
Joining Fee
Rs. 2500.00 +GST
Renewal Fee
Rs. 2500.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Get a ₹2,500 gift voucher. Plus, enjoy free MMTBLACK Gold and Swiggy One memberships when you spend over ₹1 lakh.
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Rewards Rate
Earn 4 Reward Points for every ₹150 spent on retail, including utilities, insurance, and education. Get 20 Reward Points for every ₹150 spent at Myntra, Marks & Spencer, Nykaa, and Reliance Digital.
Reward Redemption
Use your Reward Points (RPs) on Smartbuy for flights/hotels (1 RP = ₹0.50), airmiles (1 RP = 0.50 Airmiles via Netbanking), products/vouchers (1 RP = ₹0.35), or the Exclusive Gold Catalogue (1 RP = ₹0.65).
Movie & Dining
Get 20% off when you dine out with Swiggy Dineout.
Travel
Get free flight tickets when you reach spending milestones.
Golf
N/A
Domestic Lounge Access
Enjoy 3 free domestic airport lounge visits every quarter, up to 12 times a year.
International Lounge Access
Enjoy 6 free international airport lounge visits.
Insurance Benefits
Get ₹1 crore cover for accidental air death, ₹15 lakh for emergency overseas hospitalization, and up to ₹9 lakh for credit liability protection.
Interest Rates
3.6% interest every month.
Spend-Based Waiver
Spend ₹4 lakh in a year and get your renewal fee waived.
Rewards Redemption Fee
Rs. 99 plus taxes
Cash Advance Charges
You pay 2.5% of the total amount or ₹500, whichever is more.
Foreign Currency Markup
2.00% +GST
Fuel Surcharge
N/A
Card Details
  • Get free MMT Black Elite and Club Vistara Silver Tier memberships as welcome perks.
  • Earn vouchers worth ₹1,500 for every ₹1.5 lakh spent in a quarter.
  • Receive ₹5,000 flight vouchers on annual spending of ₹5 lakh and another ₹5,000 on spending ₹7.5 lakh.
  • Earn 5X Reward Points on purchases at Marks & Spencer, Nykaa, Reliance Digital, and Myntra.
  • Enjoy free lounge access at over 1,000 airports worldwide, including 12 visits in India and 6 international visits via Priority Pass.
  • Get 4 Reward Points for every ₹150 spent on retail purchases.
  • Unlock free MMT Black Gold and Swiggy One membership by spending ₹1 lakh within 90 days.
  • Choose ₹1,500 worth of vouchers from M&S, Myntra, Reliance Digital, or Marriott for every ₹1.5 lakh spent per quarter.
  • Enjoy an air death cover of up to ₹1 crore and lost card liability protection of ₹9 lakh.
  • Get a renewal fee waiver by spending ₹4 lakh in a year.
  • Benefit from a low foreign currency markup fee of 2%.
Pros/Cons
Pros
- Enjoy 24/7 concierge support and free access to 12 domestic and 6 international airport lounges yearly with the Regalia Gold Credit Card.
Cons
- There is a ₹99 fee for redeeming rewards, and the renewal fee waiver requires a high spend of ₹4 lakh.
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Frequently Asked Questions

How can I apply for the HDFC Regalia Gold Credit Card?

You can apply online through HDFC Bank’s net banking portal or by visiting the nearest HDFC Bank branch.

What is the annual fee for this card?

The annual fee is ₹2,500, but it can be waived if you spend ₹4 lakh in a year.

Can I apply if my annual income is ₹2 lakh?

Yes, you are eligible to apply if your annual income is ₹2 lakh.

Will being an HDFC Bank customer make the application easier?

Yes, if you already have an account with HDFC Bank, they have your KYC details, which makes the process faster.

What happens if I lose my card?

Immediately report it to HDFC Bank to get it blocked. A replacement card will be issued upon request.

Does the card offer a zero-interest EMI option?

Yes, you can convert high-value purchases into EMIs with zero extra interest at select partner outlets or via customer service.

What insurance benefits does this card offer?

It includes ₹1 crore air accidental death cover, ₹15 lakh overseas hospitalization cover, and ₹9 lakh credit liability cover.

What happens if I miss a payment?

Late fees and extra interest will be charged, and it may lower your credit score, affecting future credit approvals.

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