HDFC Bank Regalia Gold Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 4 Reward Points per ₹150 (Base reward accrual across retail spends)
Overview
HDFC Bank Regalia Gold Credit Card by HDFC Bank provides premium value tailored for Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 4 Reward Points per ₹150 (Base reward accrual across retail spends)
- • Accelerated Rewards: 5X Reward Points (20 RP per ₹150) on retail spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital
- • Excluded Categories: Fuel, Wallet load, Rent payments, Government services
Welcome Benefit
₹2,500 Gift Voucher from Marks & Spencer, Myntra, Nykaa or Reliance Digital on fee payment and spending ₹1 Lakh in 90 days; Qualification Criteria: Fee realization; Spend ₹1 Lakh within 90 days of card setup; Fulfillment Timeline: Voucher dispatch via SMS/Email within 30 days post spend achievement
Milestone Benefit
Spend ₹1.5 Lakhs (Quarterly): ₹1,500 voucher on Marks & Spencer / Myntra / Marriott / Reliance Digital every calendar quarter; Spend ₹5 Lakhs (Annual): ₹5,000 flight voucher on reaching ₹5 Lakhs annual spends; Spend ₹7.5 Lakhs (Annual): Additional ₹5,000 flight voucher on reaching ₹7.5 Lakhs annual spends; Spend ₹4 Lakhs (Annual): Annual renewal fee waiver; Annual Fee Waiver: Spend ₹4 Lakhs or more in preceding 12 months for fee waiver
Redemption
- • Flight & Hotel Bookings via SmartBuy Regalia Gold portal at 1 RP = ₹0.50
- • AirMiles 1:1 or 2:1 conversion with leading airline partners
- • Gold Catalogue redemption at 1 RP = ₹0.35 - ₹0.65
Benefits
- Domestic Airport Lounge: 12 per calendar year (both primary and add-on) via Visa / Mastercard Lounge Program
- International Airport Lounge: 6 per calendar year via Priority Pass membership
- Fuel Surcharge Waiver: 1% (Max waiver ₹500 per statement cycle)
- Good Food Trail Dining Privileges: Up to 20% discount on restaurant bills via Swiggy Dineout. (Covers top 2000+ restaurants across major cities) [Partners: Swiggy Dineout]
Things to Know Before you apply
HDFC Bank Regalia Gold Credit Card Eligibility Criteria
- Age: 21–60 years
- Salaried: Net monthly salary > ₹1,00,000; Self-employed: ITR > ₹12 Lakhs per annum
- Salaried & Self-Employed Individuals
- Resident Indian
HDFC Bank Regalia Gold Credit Card Customer Care
- Toll Free: 1800 1600 / 1800 2600
- Landline: +91 22 6160 6161
- Concierge Service: customerservices.cards@hdfcbank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹2,500 |
| Annual Fee | ₹2,500 |
| Foreign Currency Mark-up Fee | 2% |
| Cash Advance Fee | 2.5% (min ₹500) |
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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- • ₹2,500 Gift Voucher from Marks & Spencer, Myntra, Nykaa or Reliance Digital on fee payment and spending ₹1 Lakh in 90 days
- • Qualification Criteria: Fee realization
- • Spend ₹1 Lakh within 90 days of card setup
- • Fulfillment Timeline: Voucher dispatch via SMS/Email within 30 days post spend achievement
- • 6,000 bonus Reward Points worth ₹1,500 upon payment of joining fee
- • Qualification Criteria: Payment of joining fee within 30 days
- • Fulfillment Timeline: 30 days post fee realization
- • Complimentary Annual Memberships (Swiggy One & Times Prime) upon spending ₹75,000 within 90 days
- • Qualification Criteria: Spend ₹75,000 within 90 days of card setup
- • Fulfillment Timeline: Issued via SMS/Email within 30 days post spend milestone
- • Base Rewards: 4 Reward Points per ₹150 (Base reward accrual across retail spends)
- • Accelerated Rewards: 5X Reward Points (20 RP per ₹150) on retail spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital
- • Excluded Categories: Fuel, Wallet load, Rent payments, Government services
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 on other retail spends)
- • Accelerated Rewards: 7.25% value back on BPCL fuel & lubricants: 25 Reward Points per ₹100 (6.25% value) + 1% fuel surcharge waiver (capped at 2,500 RPs per billing cycle). 10 RPs per ₹100 on Dining, Groceries, Departmental Stores & Movies.
- • Excluded Categories: Non-BPCL petrol pumps, Wallet loads
- • Base Rewards: 4 Reward Points per ₹150 (Base 2.6% reward point accumulation)
- • Accelerated Rewards: Up to 5X Reward Points via SmartBuy & 2X rewards on weekend dining
- • Excluded Categories: Fuel, Wallet loads
- • 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: 1 Reward Point per ₹100 (1 Reward Point per ₹100 on other retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 4 Reward Points per ₹150 (Base 2.6% reward point accumulation)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹2500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹2500
- • Reward exclusion on fuel purchases and wallet load transactions