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HDFC Regalia Gold

HDFC Bank
|
Lifestyle Lounge Access

Annual Fee

₹2,500

Interest Rate

45.00%

Credit Score

750+

At a Glance

Key Benefits

Premium lounge access (12 domestic + 6 international), low 2% forex markup, 4 RP per Rs. 150 with 5X at select merchants, and milestone rewards up to Rs. 11,500 annually.

Lounge Access

12 domestic lounge visits per year via card swipe, plus 6 international visits via Priority Pass. No quarterly spend condition for domestic access.

Eligibility

Age 21-60 years, minimum Rs. 1 Lakh monthly income (salaried) or Rs. 12 Lakh annual ITR (self-employed), with CIBIL score of 750+.

Quick Analysis

HDFC Regalia Gold is an excellent all-rounder premium credit card at the Rs. 2,500 price point. With 12 domestic and 6 international lounge visits, industry-low 2% forex markup, and generous milestone benefits worth up to Rs. 11,500 annually, it offers outstanding value for frequent travelers. The 5X rewards at Myntra, Nykaa, Reliance Digital and M&S add extra value for lifestyle spenders. Recommended for those who can meet the Rs. 4 Lakh annual spend threshold.

Pros

  • 12 complimentary domestic + 6 international lounge visits
  • Low 2% forex markup (vs 3.5% industry standard)
  • Excellent milestone rewards - up to Rs. 11,500 annually
  • Best-in-class point value at Rs. 0.65 via Gold Catalogue

Cons

  • High Rs. 4 Lakh spend required for fee waiver
  • No reward points on fuel, rent, and wallet loading
  • 50,000 monthly cap on reward earning and redemption

Best For

Frequent travelers and high-spenders who want premium lounge access, milestone rewards, and low forex markup at an affordable Rs. 2,500 annual fee.

Not Ideal For

Low spenders who cannot meet the Rs. 4 Lakh annual spend for fee waiver, or those seeking high cashback rates on everyday purchases.

Quick Details

Annual Fee
₹2,500 #4
Joining Fee
₹2,500 #4
Interest Rate
45.00% p.a. #3
Fuel Surcharge Waiver 1.00%
Reward Type Reward Points
Points Expiry 24 months
Reward Currency Points
Domestic Lounge Visits
12/year #4
International Lounge Visits
6/year #4
Min Credit Score These are observed patterns, not bank-published rules.
750+ #1
Min Annual Income These are observed patterns, not bank-published rules. ₹1,00,000
Network MASTERCARD
Card Tier world
Card Replacement Fee ₹100
Late Payment Fee ₹900
Cheque Return Fee 2.00% (min ₹450)
Foreign Currency Markup 2.00%
Reward Redemption Fee ₹99
Cashback Redemption Fee ₹50
Statement Copy Fee ₹10
Cash Processing Fee ₹100
Railway Booking Fee 1.00%
Rent Payment Fee 1.00%
Fee Waiver on Spend ₹4,00,000/yr

Card Features

Contactless International Usage EMI Conversion Balance Transfer Add-on Cards (4)

Airport Lounge Access

Domestic Free
12

visits per year

Complimentary access via card swipe (Rs. 2 validation charge reversed). No quarterly spend condition required. Max stay 2-3 hours per visit.

International Free
6

visits per year

6 visits/year via Priority Pass (primary+add-on combined). 4 transactions required to apply. Additional visits $27+GST.

Priority Pass
0

visits

Priority Pass at domestic lounges is CHARGED at $27 (INR equivalent) + taxes per visit. NOT complimentary.

Reward Structure

Base

All Spends

₹1.33 /₹100
Accel

Myntra

₹6.67 /₹100
Accel

Nykaa

₹6.67 /₹100
Accel

Reliance Digital

₹6.67 /₹100
Accel

Marks & Spencer

₹6.67 /₹100
Cat

Insurance

₹1.33 /₹100
Cat

Grocery

₹1.33 /₹100

No Rewards On

Fuel Cash Advance EMI Transactions Wallet Loads Rent Payments Government

Reward Redemption

Redeem your Regalia Reward Points for cashback, travel, and more

Best

SmartBuy Flights & Hotels

Travel Booking
₹0.50/point

Flights and hotel bookings via SmartBuy portal - Max 50,000 RP/month, up to 70% can be redeemed via points

Best

Exclusive Gold Catalogue

Merchandise / Products
₹0.65/point

Premium brands redemption via SmartBuy Gold Catalogue - Best value at Rs. 0.65 per point

Statement Credit

Cashback / Statement Credit
₹0.30/point

1:1 transfer ratio

Statement Credit

Cashback / Statement Credit
₹0.20/point

Statement balance credit - Max 50,000 RP/month, Rs. 50 redemption fee applies

SmartBuy

Travel Booking Portal
₹1.00/point

1:1 transfer ratio

InterMiles

Travel Booking Portal
₹0.10/point

10:2 transfer ratio

Instant

Miles&Smiles

Airline ProgramStar Alliance
₹0.90/point

1:1 transfer ratio

Finnair Plus

Airline ProgramOneworld
₹0.70/point

1:1 transfer ratio

Club Vistara

Airline Program
₹0.50/point

1:1 transfer ratio

Via HDFC SmartBuy portal. Note: Club Vistara merged into Air India Maharaja Club.

Airline Partners

Airline Miles Transfer
₹0.50/point

Convert to Airmiles - Up to 0.5 airmiles per reward point, max 50,000 RP/month

Asia Miles

Airline ProgramOneworld
₹0.42/point

2:1 transfer ratio

Royal Orchid Plus

Airline ProgramStar Alliance
₹0.35/point

2:1 transfer ratio

Aeroplan

Airline ProgramStar Alliance
₹0.22/point

10:2 transfer ratio

Avios

Airline ProgramOneworld
₹0.20/point

10:2 transfer ratio

MileagePlus

Airline ProgramStar Alliance
₹0.20/point

10:2 transfer ratio

LifeMiles

Airline ProgramStar Alliance
₹0.18/point

10:2 transfer ratio

Skywards

Airline Program
₹0.17/point

10:2 transfer ratio

Etihad Guest

Airline Program
₹0.16/point

10:2 transfer ratio

KrisFlyer

Airline ProgramStar Alliance
₹0.16/point

10:2 transfer ratio

1-3 Business Days

AirAsia Rewards

Airline Program
₹0.10/point

10:2 transfer ratio

SpiceClub

Airline Program
₹0.08/point

10:2 transfer ratio

Club

Airline ProgramStar Alliance
₹0.00/point

1:1 transfer ratio

Via HDFC SmartBuy portal

Radisson Rewards

Hotel Program
₹0.20/point

2:1 transfer ratio

Club ITC

Hotel Program
₹0.16/point

10:2 transfer ratio

Bonvoy

Hotel Program
₹0.14/point

10:2 transfer ratio

ALL

Hotel Program
₹0.12/point

10:2 transfer ratio

Wyndham

Hotel Program
₹0.11/point

10:2 transfer ratio

IHG One

Hotel Program
₹0.10/point

10:2 transfer ratio

Apple

Gift Card / Voucher
₹1.00/point

1:1 transfer ratio

Products & Vouchers

Gift Cards / Vouchers
₹0.35/point

Products and vouchers via SmartBuy - Up to 70% can be redeemed via points

Catalogue

Merchandise Catalog
₹0.25/point

1:1 transfer ratio

Milestone Benefits

Welcome Bonus

Rs. 2,500 Gift Voucher on payment of joining fee

Spend FREE 0

₹2,500

value

Welcome Bonus

Swiggy One membership + MMT Black Gold membership on spending Rs. 1 Lakh within 90 days of card issuance

Spend ₹1,00,000 within 90 days

₹5,000

value

Milestone

Rs. 1,500 voucher (choice of Marriott, Myntra, M&S, MMT Hotels, or Reliance Digital) on quarterly spends of Rs. 1.5 Lakh

Spend ₹1,50,000 within 90 days

₹1,500

value

Annual Benefit

Rs. 5,000 Flight Voucher on annual spends of Rs. 5 Lakh

Spend ₹5,00,000 within 365 days

₹5,000

value

Annual Benefit

Additional Rs. 5,000 Flight Voucher on annual spends of Rs. 7.5 Lakh

Spend ₹7,50,000 within 365 days

₹5,000

value

Annual Benefit

Annual fee waiver of Rs. 2,500 on spending Rs. 4 Lakh in anniversary year

Spend ₹4,00,000 within 365 days

₹2,500

value

Insurance Coverage

Air Accident

₹1,00,00,000

Air accident death cover of Rs. 1 Crore for cardholder

Travel

₹15,00,000

Emergency overseas hospitalization cover up to Rs. 15 Lakh

Lost Card

₹9,00,000

Credit liability cover up to Rs. 9 Lakh for unauthorized transactions after card loss (subject to reporting within 24 hours)

Lifestyle Perks

Concierge

100.00% off

24/7 exclusive concierge services for travel bookings, restaurant reservations, and lifestyle assistance

Dining

10.00% off

Good Food Trail Program - Up to 10% savings on restaurant bill payments via Swiggy Dineout at 20,000+ restaurants

Travel

1 /year

100.00% off

Complimentary MMT Black Gold membership on spending Rs. 1 Lakh within 90 days

Food Delivery

1 /year

100.00% off

Complimentary Swiggy One membership on spending Rs. 1 Lakh within 90 days

The HDFC Regalia Gold Credit Card is a premium lifestyle credit card from HDFC Bank that bridges the gap between entry-level and super-premium cards. Launched as an upgrade to the popular HDFC Regalia, this card offers an impressive combination of travel benefits, reward points, and lifestyle perks at an annual fee of just Rs. 2,500.

With 12 complimentary domestic lounge visits, 6 international Priority Pass visits, and one of the lowest forex markups in the industry at 2%, the Regalia Gold is particularly attractive for frequent travelers. The card also offers milestone benefits worth up to Rs. 11,500 annually, making it an excellent value proposition for high-spenders.

Whether you are looking for your first premium credit card or upgrading from an entry-level HDFC card, the Regalia Gold delivers premium benefits without the premium price tag that comes with super-premium cards like Infinia or Diners Club Black.

What is HDFC Regalia Gold?

HDFC Regalia Gold is a Mastercard World credit card designed for affluent individuals who want premium travel and lifestyle benefits. It sits in the upper-mid tier of HDFC Bank's credit card portfolio, above the Regalia and below the Diners Club Black and Infinia.

  • Card Network: Mastercard World (also available on RuPay SELECT)
  • Target Audience: High-income professionals, frequent travelers, lifestyle spenders
  • Credit Limit: Typically Rs. 3 Lakh and above
  • Reward Type: HDFC Reward Points (not cashback)
  • Key USP: Best-in-class lounge access and low forex markup at affordable pricing

Travel Benefits

The Regalia Gold excels in travel benefits with 12 complimentary domestic lounge visits per year via card swipe and 6 international lounge visits through Priority Pass. The 2% forex markup is among the lowest in the industry, saving you 1.5% compared to most cards.

Reward Points

Earn 4 Reward Points per Rs. 150 on all retail spends, with 5X accelerated rewards at Myntra, Nykaa, Reliance Digital, and Marks and Spencer. Points can be redeemed at up to Rs. 0.65 per point via the Exclusive Gold Catalogue.

Milestone Rewards

Quarterly milestones offer Rs. 1,500 vouchers on Rs. 1.5 Lakh spend. Annual milestones provide flight vouchers worth Rs. 5,000 (on Rs. 5 Lakh) and additional Rs. 5,000 (on Rs. 7.5 Lakh spend).

Insurance Coverage

Comprehensive coverage including Rs. 1 Crore air accident insurance, Rs. 15 Lakh emergency overseas hospitalization, and Rs. 9 Lakh credit liability protection.

Airport Lounge Access

HDFC Regalia Gold offers one of the best lounge access programs in its segment:

Domestic Lounges

  • 12 complimentary visits per calendar year
  • Access via card swipe (Rs. 2 validation charge reversed)
  • No quarterly spend condition required
  • Available at both domestic and international terminals within India

International Lounges (Priority Pass)

  • 6 complimentary visits per calendar year
  • Shared between primary and add-on cardholders
  • Complete 4 retail transactions to apply for Priority Pass
  • Additional visits charged at USD 27 + GST per visit

Important: Using Priority Pass at domestic Indian lounges is NOT complimentary - you will be charged USD 27 + taxes per visit.

Fees & Charges

Fee TypeAmount
Joining FeeRs. 2,500 + GST
Annual FeeRs. 2,500 + GST
Fee WaiverOn Rs. 4 Lakh annual spend
Add-on Card FeeLifetime Free
Forex Markup2%
Late PaymentRs. 900
Cash Advance2.5% (min Rs. 500)
Overlimit2.5% (min Rs. 550)
Finance Charges3.75% per month (45% p.a.)
Reward RedemptionRs. 99 per request
Rent Payment1% (max Rs. 4,999)

Basic Requirements

  • Age: 21-60 years (salaried), 21-65 years (self-employed)
  • Nationality: Indian citizen
  • Credit Score: 750+ CIBIL score recommended

Income Requirements

  • Salaried: Minimum Rs. 1 Lakh net monthly income (Rs. 1.5 Lakh for private sector per some sources)
  • Government Employees: Rs. 1 Lakh net monthly income
  • Self-Employed: ITR of Rs. 12-18 Lakh per annum

Documents Required

  • Identity Proof: PAN Card, Aadhaar, Passport, or Voter ID
  • Address Proof: Aadhaar, Utility Bill (within 3 months), Bank Statement
  • Income Proof: Latest 2 salary slips, Form 16, and 3 months bank statement (salaried); ITR for self-employed

Online Application

  1. Visit HDFC Bank website
  2. Click on Apply Now button
  3. Enter your mobile number and PAN for eligibility check
  4. Fill in personal, employment, and income details
  5. Upload required documents (identity, address, income proof)
  6. Submit application and note reference number

Existing HDFC Customers

  • Log in to NetBanking and check for pre-approved offers
  • Upgrade from existing HDFC card if you have Rs. 3 Lakh+ credit limit
  • Call HDFC customer care at 1800-266-4332 for upgrade requests

Branch Application

Visit your nearest HDFC Bank branch with required documents for in-person application.

Frequently Asked Questions

What is the joining and annual fee for HDFC Regalia Gold Credit Card?
The joining fee and annual fee is Rs. 2,500 + applicable taxes. On payment of the joining fee, you receive a gift voucher worth Rs. 2,500, effectively making it a value-back proposition.
How can I get the annual fee waived on HDFC Regalia Gold?
The annual fee of Rs. 2,500 is waived if you spend Rs. 4 Lakh or more in your card anniversary year (12 billing cycles).
What is the reward earning rate on HDFC Regalia Gold?
You earn 4 Reward Points per Rs. 150 spent on all retail purchases. Additionally, you get 5X Reward Points (20 RP per Rs. 150) at partner merchants - Myntra, Nykaa, Reliance Digital, and Marks & Spencer.
What is the value of HDFC Regalia Gold reward points?
Reward points have different values based on redemption method: Rs. 0.65 per point on Exclusive Gold Catalogue, Rs. 0.50 per point for flights/hotels via SmartBuy, Rs. 0.35 for products/vouchers, and Rs. 0.20 for statement credit.
How can I redeem my HDFC Regalia Gold reward points?
You can redeem points through HDFC SmartBuy portal or NetBanking. Options include flight/hotel bookings, Airmiles transfer, Exclusive Gold Catalogue products, vouchers, and statement credit. Maximum 50,000 points can be redeemed per month for travel bookings or statement credit.
Do reward points expire on HDFC Regalia Gold?
Yes, reward points expire after 2 years (24 months) from the date of accumulation. Additionally, if the card is not used for 365 consecutive days, all accumulated reward points are nullified.
What is the minimum income required for HDFC Regalia Gold?
For salaried individuals, the minimum net monthly income is Rs. 1 Lakh (Rs. 1.5 Lakh for private sector employees according to some sources). For self-employed individuals, the minimum annual ITR should be Rs. 12-18 Lakh.
What credit score is required for HDFC Regalia Gold?
While HDFC Bank doesn't specify an exact credit score, a good CIBIL score of 750 or above significantly improves approval chances. Applicants with a history of defaults are not eligible.
What documents are required to apply for HDFC Regalia Gold?
You need: (1) Identity Proof - PAN Card, Aadhaar, Passport, or Voter ID; (2) Address Proof - Aadhaar, Utility Bill, or Bank Statement; (3) Income Proof - Latest salary slips, Form 16, and 3 months bank statement for salaried; ITR for self-employed.
How many complimentary lounge visits do I get with HDFC Regalia Gold?
You get 12 complimentary domestic airport lounge visits per year via card swipe. For international lounges, you get 6 complimentary visits per calendar year through Priority Pass (shared between primary and add-on cardholders).
Can I use Priority Pass at domestic lounges in India?
Using Priority Pass at domestic lounges in India is NOT complimentary - you will be charged $27 (INR equivalent) plus taxes per visit. The 6 free Priority Pass visits are only valid for international lounges outside India.
What is the foreign currency markup on HDFC Regalia Gold?
HDFC Regalia Gold has a forex markup of 2% on all foreign currency transactions, which is lower than most credit cards that charge 3.5%. This makes it a good card for international travel.
What insurance coverage does HDFC Regalia Gold provide?
HDFC Regalia Gold provides: (1) Air Accident Death Cover of Rs. 1 Crore; (2) Emergency Overseas Hospitalization Cover up to Rs. 15 Lakh; (3) Credit Liability Cover up to Rs. 9 Lakh for lost card fraud.
What are the milestone benefits on HDFC Regalia Gold?
Quarterly: Rs. 1,500 voucher on spending Rs. 1.5 Lakh. Annual: Rs. 5,000 flight voucher on Rs. 5 Lakh spend, and additional Rs. 5,000 flight voucher on Rs. 7.5 Lakh spend. Welcome: Swiggy One + MMT Black Gold membership on Rs. 1 Lakh spend within 90 days.
Can I add supplementary cards to HDFC Regalia Gold?
Yes, you can add up to 4 add-on cards for family members at no additional cost (lifetime free). Add-on cardholders can also access domestic lounges and share the 6 international Priority Pass visits with the primary cardholder.
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Pawan Khatri
Reviewed by

Pawan Khatri

Founder

Pawan is the founder of CardNitty, with years of experience in personal finance and credit card optimization. He's passionate about helping consumers make smarter financial decisions.

Last updated: 9 January 2026

User Reviews

Our Rating

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Rating Breakdown

Rewards
4.3/5 Top 40%
Benefits
1.9/5 Top 75%
Fees
2.1/5 Top 99%
Value for Money
3.0/5 Top 100%
User Reviews
3.0/5 Top 50%

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