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

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.

Welcome Benefits (on Rs. 1 Lakh spend within 90 days):

• Complimentary Swiggy One membership (replaced Club Vistara Silver Tier w.e.f. 1st Nov 2024)
• Complimentary MMT Black Gold membership
• Rs. 2,500 Gift Voucher on payment of joining fee

Quarterly Milestone (Rs. 1.5 Lakh per quarter):

• Rs. 1,500 voucher - choice of Marriott Experience, Myntra, MMT Hotels, Marks & Spencer, or Reliance Digital
• Calendar quarters: Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec

Annual Milestones:

• Rs. 5,000 Flight Voucher on annual spends of Rs. 5 Lakh
• Additional Rs. 5,000 Flight Voucher on annual spends of Rs. 7.5 Lakh
• Annual fee waiver on spending Rs. 4 Lakh in anniversary year

Total milestone benefits can be worth up to Rs. 21,000+ annually (Rs. 6,000 quarterly vouchers + Rs. 10,000 flight vouchers + Rs. 5,000 welcome benefits).

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.

HDFC Regalia Gold earns 4 Reward Points per Rs. 150 spent on all eligible retail purchases, translating to approximately 1.33% return at base redemption value (Rs. 0.50/point).

5X Accelerated Rewards (20 RP per Rs. 150) are available at select partner merchants:

• Myntra
• Nykaa
• Reliance Digital
• Marks & Spencer

The 5X accelerated rewards are capped at 5,000 bonus RP per month across all partner brands combined. Base reward points continue to accrue without capping on these transactions.

Redemption options and values:

• Exclusive Gold Catalogue via SmartBuy: Rs. 0.65 per point (best value)
• Flights and Hotels via SmartBuy: Rs. 0.50 per point
• Airmiles conversion: Up to 0.5 airmiles per point
• Products and Vouchers: Rs. 0.35 per point
• Statement Credit: Rs. 0.20 per point

Maximum 50,000 points can be redeemed per month for travel bookings or statement credit. Reward points expire after 24 months from the date of accumulation.

Excluded categories: Fuel, cash advances, EMI transactions, wallet loading, rent payments, and government payments do not earn reward points.

• 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

Identity Proof (any one):

• PAN Card
• Aadhaar Card
• Passport
• Voter ID

Address Proof (any one):

• Aadhaar Card
• Utility Bill (within last 2 months)
• Bank Statement

Income Proof:

• Salaried: Latest 3 months salary slips, Form 16, and 3 months bank statement
• Self-Employed: Latest 2 years ITR with computation of income

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.

The HDFC Regalia Gold Credit Card delivers excellent value at the Rs. 2,500 annual fee price point. With 12 domestic and 6 international lounge visits, a competitive 2% forex markup, generous milestone benefits worth up to Rs. 21,000+ annually, and 5X rewards at popular lifestyle brands, it is one of the strongest mid-premium cards in the Indian market.

The card is best suited for frequent travelers who can meet the Rs. 4 Lakh annual spend threshold for fee waiver. The combination of Swiggy One and MMT Black Gold welcome memberships adds immediate value for new cardholders. However, the lack of fuel surcharge waiver and the exclusion of fuel spends from reward earning may be a drawback for those with high fuel expenses.

For cardholders who maximize SmartBuy redemptions through the Exclusive Gold Catalogue at Rs. 0.65 per point, the effective reward rate on partner merchants reaches an impressive 8.6%, making it one of the best cards for shopping at Myntra, Nykaa, Reliance Digital, and Marks & Spencer.