HDFC Bank Regalia Gold Credit Card
Updated on August 11, 2026
🎖️Reward Rate
4 Reward Points per ₹150 spent
Overview
The HDFC Bank Regalia Gold Credit Card by HDFC Bank is a carefully crafted credit card designed to offer significant value in cashback and travel. It comes packed with premium privileges including complimentary airport lounge access, fuel surcharge waivers, lucrative milestone bonuses. Whether you are looking for solid reward rates or exclusive perks, this card stands out as a robust choice in its segment.
Rewards
Reward Type
Reward Points
Reward Rate
4 Reward Points per ₹150 spent
Welcome Benefit
Marks & Spencer / Myntra / Reliance Digital / Nykaa gift voucher worth ₹2,500 on payment of joining fee
Milestone Benefit
₹1,500 voucher on ₹1.5 Lakhs quarterly spend; Flight voucher worth ₹5,000 on ₹5 Lakhs annual spend; Additional flight voucher worth ₹5,000 on ₹7.5 Lakhs annual spend
Redemption
- • Cashback: 1 Reward Point = ₹0.20 to ₹1.00
- • Air Miles: 1 Reward Point = 0.5 AirMile
- • Rewards Catalogue: 1 HDFC Point = ₹0.30 on Rewards Catalogue
- • SmartBuy/Portal: 10X / 5X Reward Points on HDFC SmartBuy Portal
Benefits
- • Lounge: 12 Complimentary Domestic Airport Lounge access per year
- 6 Complimentary International Lounge visits per year via Priority Pass
- • Fuel Waiver: 1% fuel surcharge waiver across fuel stations in India
- • Insurance: Zero Lost Card Liability
Things to Know Before you apply
HDFC Bank Regalia Gold Credit Card Eligibility Criteria
- Age: 18–65 years
- INR 1,00,000 per month (Salaried) / INR 12 Lakhs p.a. (Self-Employed)
- Salaried & Self-Employed
- Resident Indian
HDFC Bank Regalia Gold Credit Card Customer Care
- Toll Free: 1800 11 2211
- Landline: +91 22 6600 0000
- Concierge Service: concierge@paisasimple.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹2,500 |
| Annual Fee | ₹2,500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 3.5% or Rs. 500 whichever is higher |
Fee waiver: Waived on spending ₹3,00,000 or more in previous year
PaisaSimple Review
Overall Rating
What do we like about this card?
We have awarded the HDFC Bank Regalia Gold Credit Card an overall rating of 4.5/5 primarily due to its travel privileges, cashback rewards, milestone bonuses. While it carries an annual fee of ₹2,500, the value derived from its welcome benefits and reward structure easily offsets the cost for regular users. However, potential applicants should note that it annual fee of ₹2,500 applies (waiver conditions may apply). Overall, it is a well-rounded credit card suitable for individuals looking to maximize value on their everyday spends.
Pros
- • Offers welcome benefits upon joining
- • Complimentary airport lounge access
- • Attractive milestone spend bonuses
- • Fuel surcharge waiver included
Cons
- • Annual fee of ₹2,500 applies (waiver conditions may apply)
- • Limited dining privileges