HDFC Bank Regalia Gold Credit Card
TravelPremiumVerified · September 17, 2026
4.8/5.0
Updated on September 17, 2026
🎖️Reward Rate
5 Reward Points on every ₹200 spent (base)
Overview
HDFC Bank Regalia Gold Credit Card by HDFC Bank provides premium value tailored for Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • 5 Reward Points on every ₹200 spent (base)
- • 5X Reward Points on spends at Myntra, Nykaa, Reliance Digital, Pharmeasy, Apple Imagine Tresor and Jockey
- • Maximum 50,000 Reward Points per statement cycle
Welcome Benefit
Complimentary Swiggy One and MMT Black Gold membership on spends of ₹1 lakh in the first 90 days
Milestone Benefit
₹1,500 worth Myntra/Nykaa vouchers on quarterly spend of ₹1.5 Lakhs; ₹5,000 flight voucher on ₹5 Lakhs annual spend; Additional ₹5,000 flight voucher on ₹7.5 Lakhs annual spend; Milestone benefits have a 60-day validity once unlocked
Redemption
- • Flights & hotels (SmartBuy): ₹0.50 per Reward Point
- • Gold Catalogue: ₹0.65 per Reward Point (flat)
- • Products and voucher: up to ₹0.35 per point
- • Statement balance: up to ₹0.15 per point
- • Airmiles: up to 0.5 airmiles per point
- • Travel redemption capped at 70% of booking value and 50,000 points/month
- • Statement-balance redemption capped at 50,000 points/month
Benefits
- Domestic lounge: 3 visits per calendar quarter (up to 12/year), conditional on minimum ₹60,000 spend in the preceding calendar quarter
- International lounge: 6 per calendar year via Priority Pass
- Boarding Edge Program: complimentary spa, buffet, hotel room upgrade, or airport transfer (any 2 every calendar quarter) via boarding pass upload on SmartBuy
- Good Food Trail: up to 10% discount via Swiggy Dineout
- Accidental air death cover of ₹1 Crore
- Emergency overseas hospitalization cover up to ₹15 lakhs
- Credit liability cover up to ₹9 Lakhs
- ₹1,000 cashback via PayZapp across 200+ brands
- Interest-free period up to 50 days
- Smart EMI
- Zero Lost Card Liability
- Revolving credit at nominal interest rate
- Contactless payments up to ₹5,000 without PIN
Things to Know Before you apply
HDFC Bank Regalia Gold Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried: net monthly income above ₹1,00,000 (government employees) or ₹1,50,000 (non-government employees); Self-employed: annual ITR above ₹18 Lakhs
- Salaried (Govt./Non-Govt.), Self-Employed
- Indian
HDFC Bank Regalia Gold Credit Card Customer Care
- Toll Free: 1800 1600 / 1800 2600
- Landline: 022-61606160
- Concierge Service: 1800-1234-109 (Boarding Edge / DreamFolks)
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹2,500 |
| Annual Fee | ₹2,500 |
| Foreign Currency Mark-up Fee | 2% |
| Cash Advance Fee | Not disclosed on HDFC's official page |
Fee waiver: Spend ₹4 Lakhs or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
4.8/5What do we like about this card?
HDFC Bank Regalia Gold Credit Card issued by HDFC Bank is one of India's leading credit cards for Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 4 Reward Points per ₹150 (Base reward accrual across retail spends)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹2500
- • Reward exclusion on fuel purchases and wallet load transactions
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Fee Details
Joining Fee
₹2,500
Annual/Renewal Fee
₹2,500
Joining Fee
₹2,999
Annual/Renewal Fee
₹2,999
Joining Fee
₹6,500
Annual/Renewal Fee
₹3,500
Welcome Benefit
- • Complimentary Swiggy One and MMT Black Gold membership on spends of ₹1 lakh in the first 90 days
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- • Welcome vouchers worth ₹9,000+ (Tata CLiQ ₹3,000, EaseMyTrip ₹4,000, Croma ₹1,000, Urban Company ₹1,000)
- • Qualification Criteria: Payment of joining fee and card setup within 45 days
- • Fulfillment Timeline: 45 days post joining fee realization
Reward/Cashback Rate
- • 5 Reward Points on every ₹200 spent (base)
- • 5X Reward Points on spends at Myntra, Nykaa, Reliance Digital, Pharmeasy, Apple Imagine Tresor and Jockey
- • Maximum 50,000 Reward Points per statement cycle
- • Accelerated category: Get 10 reward points on dining, departmental stores, and grocery spends
- • Utility bill standing instruction bonus: Get 20 Reward Points on utility bill payment standing instructions
- • Birthday bonus: Earn 20 Reward Points per ₹100 on birthday spends, valid one day before, on, and one day after your birthday
- • Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
- • 2 Handpicked Points per ₹100 (2 Handpicked Points per ₹100 on domestic retail spends)
- • 50% more points per ₹100 (50% extra points earned on American Express variant)
- • Accelerated Rewards: Double reward points on sports and international dining
- • Excluded Categories: Fuel, Utilities and Insurance (1 point per ₹100)
Pros
- • Base Rewards: 4 Reward Points per ₹150 (Base reward accrual across retail spends)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on general retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
- • 2 Handpicked Points per ₹100 (2 Handpicked Points per ₹100 on domestic retail spends)
- • 50% more points per ₹100 (50% extra points earned on American Express variant)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹2500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹2999
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹3500
- • Reward exclusion on fuel purchases and wallet load transactions