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Last updated: 01-06-2026

HDFC Bank

HDFC Regalia Gold Credit Card

"Premium all-rounder for frequent travellers and lifestyle spenders"

★★★★★ 5.0/5 (1 ratings)

Quick Summary

💳 Joining Fee

₹2,500 + GST

🔄 Renewal Fee

₹2,500 + GST

Waived: Waived on annual spends of ₹4 lakh in previous billing year

🎯 Best Suited For

Frequent travellers, lifestyle spenders, those who shop on Myntra, Nykaa, Reliance Digital

🎁 Reward Type

Reward Points (1 RP = ₹0.50 on SmartBuy; ₹0.65 via Gold Catalogue)

🎉 Welcome Benefit

Complimentary Swiggy One and MMT Black Gold membership on spending ₹1 lakh within first 90 days of card issuance

💰 Reward Rate

5 Reward Points per ₹200 spent on all retail; 5X (25 RPs per ₹200) on Myntra, Nykaa, Marks & Spencer, and Reliance Digital

✈️ Lounge Access

12 complimentary domestic airport lounge visits per year (3 per quarter) on spending ₹60,000 in previous quarter; 6 international lounge visits via Priority Pass (for primary and add-on cardholders combined)

💱 Forex Markup

2% + GST on international transactions

✅ Pros

Strong 5X reward rate on popular lifestyle brands
Excellent domestic and international lounge access
Complimentary Swiggy One and MMT Black Gold memberships
Milestone flight vouchers worth up to ₹10,000 annually
Gold Catalogue with premium brand redemptions
Add-on cardholders also get Priority Pass access

❌ Cons

Domestic lounge access now requires ₹60,000 quarterly spend
Reward points expire after 2 years
High joining fee of ₹2,500
Redemption fee of ₹99 per request
No direct cashback — rewards must be redeemed manually

🎁 Rewards & Benefits

Reward Type

Reward Points (1 RP = ₹0.50 on SmartBuy; ₹0.65 via Gold Catalogue)

Welcome Benefits

Complimentary Swiggy One and MMT Black Gold membership on spending ₹1 lakh within first 90 days of card issuance

Reward Rate

5 Reward Points per ₹200 spent on all retail; 5X (25 RPs per ₹200) on Myntra, Nykaa, Marks & Spencer, and Reliance Digital

Reward Redemption

SmartBuy portal (flights, hotels, vouchers, products), airmiles transfer, Gold Catalogue for premium brands (Apple, Bose, Fitbit). Redemption fee: ₹99 + GST per request. Points expire after 2 years.

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000; max waiver ₹250 per statement cycle

Lounge Access

Spend Based Fee Waiver

Annual fee waived on spending ₹4 lakh or more in the preceding 12 billing cycles

Milestone Benefits

₹1,500 gift voucher (Marriott/Myntra/M&S/Reliance Digital) on ₹1.5L quarterly spend; ₹5,000 SmartBuy flight voucher on ₹5L annual spend; additional ₹5,000 flight voucher on ₹7.5L annual spend

Other Benefits

Boarding Edge Program: choose any 2 of complimentary spa, buffet, hotel room upgrade, or airport transfer per calendar quarter by uploading boarding pass on SmartBuy

✨ Special Perks & Exclusive Offers

Memberships

Swiggy One and MMT Black Gold (welcome benefit, first year)

Insurance Cover

Zero lost card liability on immediate reporting to 24-hour helpline

Add-on Cards

Add-on cards available for family members; Priority Pass benefits shared with primary and add-on cardholders

Concierge Services

24/7 concierge service for travel bookings, dining reservations, and lifestyle assistance

Special Offers

15% off dining at 2,500+ partner restaurants; exclusive SmartBuy offers on flights and hotels

💳 Fees & Interest Rates

Joining Fee

₹2,500 + GST

Annual Fee / Renewal Fee

₹2,500 + GST
✓ Waived on: Waived on annual spends of ₹4 lakh in previous billing year

Interest Rate (APR)

💡 Pay your balance in full each month and this never applies to you.

3.6% per month (43.2% per annum)

ATM Cash Withdrawal / Cash Advance

2.5% of withdrawn amount, minimum ₹500

Late Payment Charges

₹100 (due up to ₹500); ₹500 (₹501–₹5,000); ₹750 (₹5,001–₹10,000); ₹950 (₹10,001–₹25,000); ₹1,100 (₹25,001–₹50,000); ₹1,300 (above ₹50,000)

Over Limit Charges

2.5% of overlimit amount, minimum ₹550

Cheque Bounce / Auto-Debit Return

Details coming soon

Foreign Currency Markup

2% + GST on international transactions

Other Charges

Reissue charge for lost/damaged card: ₹100; Rewards redemption fee: ₹99 + GST per request

📋 Eligibility & Credit Limit

Eligibility Criteria

Salaried (non-govt): minimum ₹1.5 lakh/month; Salaried (govt): minimum ₹1 lakh/month; Self-employed: minimum ₹18 lakh annual income (ITR). Age: 21–60 years (salaried), up to 65 years (self-employed).

Credit Score Requirement

750+ CIBIL score recommended

Credit Limit

Based on income and credit profile; typically ₹3 lakh and above