When it comes to premium credit cards in India that balance luxury and value, the HDFC Regalia Gold Credit Card stands out. With upgraded benefits over its predecessor, this card caters to both frequent travellers and lifestyle seekers. Whether you’re looking for airport lounge access, travel perks, or milestone rewards, Regalia Gold has a lot to offer.
Fees & Charges
Joining/ Renewal Membership Fee of Rs. 2500 + Applicable Taxes.
Spend Rs. 4 Lakhs in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year.
Welcome Benefits
Pay your Joining Membership Fee and get Gift Voucher equivalent to Fee Amount = Rs.2,500
Complimentary Swiggy One and MMT Black Gold Membership when you spend Rs. 1 Lakhs and above within 90 days of card issuance. (w.e.f 1st Nov’24 Swiggy One replaces Club Vistara Silver Tier)
Milestone Benefits
Get ₹ 1,500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend Rs. 1.5 Lakhs in every calendar quarter.
Get ₹ 5,000 worth flight vouchers when you spend Rs. 5 Lakhs spends in an anniversary year
Get additional ₹ 5,000 worth flight vouchers when you spend Rs. 7.5 Lakhs spends in an anniversary year
Reward Point/ Cashback Redemption & Validity
Reward Points Accrual
| SPEND TYPE | REWARDS | REWARD RATE | MAX. CAP |
|---|---|---|---|
| Regular Spends | 1X 4 RP / 150 INR | 1.33 ~ 1.73 % | 50,000 RP / Stmt Cycle |
| Marks & Spencer, Myntra, Reliance Digital, Nykaa | 5X 20 RP / 150 INR | 6.65 ~ 8.65 % | 5,000 RP / Shared (Max: 37,500 INR spend) |
| Hotels Myntra, Jockey, PharmEasy, IGP (Via Smartbuy) | 10X 40 RP / 150 INR | 13.3 ~ 17.3 % | 5,000 RP / Shared (Max: 18,750 INR spend) |
| Flights Apple (Imagine) ,eVouchers (Via Smartbuy) | 5X 20 RP / 150 INR | 6.65 ~ 8.65 % | 5,000 RP / Shared (Max: 37,500 INR spend) |
| Train (Via Smartbuy) | 3X 12 RP / 150 INR | 3.99 ~ 5.19 % | 5,000 RP / Shared (Max: 62,500 INR spend) |
- Get Handpicked Vouchers(Uber voucher of Rs 300) For Airport Drop If you booked a travel through Smartbuy.
- Insurance transactions will have a maximum cap of 2,000 per day.
- Reward points are valid only for 2 years from the date of accumulation.
- Reward points earned on grocery transaction will be capped at 2000 RP per calendar month.
- Exemptions from gaining Reward Points: Fuel transactions, EasyEMI and e-wallet loading transactions, Rental pay transactions, property management services like rent, maintenance, packers &movers, etc and government transactions.
Reward Points Redemption
| REDEMPTION TYPE | REDEMPTION RATIO | MAX. REDEMPTION (CALENDAR MONTH) |
|---|---|---|
| Flights / Hotels | 1:0.5 | 50,000 RP (Shared Max. Cap) |
| Exclusive Gold Catalouge | 1:0.65 | 50,000 RP (Shared Max. Cap) |
| Airmiles (airlines/hotels) | 1:0.5 | 50,000 RP (Shared Max. Cap) |
| Products/Vouchers | 1:0.35 | – |
| Cashback | 1:0.20 | 50,000 RP |
Redemption Rules:
- 70% from reward points, 30% from Credit Card.
- You get 10X/5X points on the remaining 30% paid on card as per your spending category
Travel Benefits
Domestic lounge program : 12 complimentary access within India (both at domestic and international terminals) using the HDFC Bank Regalia Gold Credit Card.
Priority Pass – In India & Abroad : Using Priority Pass, you and your add-on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India.
Dining Benefits
Swiggy Dineout – Good food Trail : Indulge in mouth-watering discounts! Pay with your HDFC Bank Regalia Gold Credit Card and enjoy FLAT 10% EXTRA OFF* on dining bills at 35K+ restaurants!
Lifestyle Benefits
- Customize your travel, entertainment, and business experiences with our 24×7 Global Concierge Assistance
Eligibility
For Salaried Non Govt.
Age: Min 21 years & Max 60 Years,
Net Monthly Income> Rs 1,50,000
For Self Employed Non Govt.
Age: Min 21 years & Max 65 Years
Income: ITR > Rs 18 Lakhs per annum
For Salaried Govt.
Age: Min 21 years & Max 60 Years,
Net Monthly Income> Rs 1,00,000
Final Verdict
The HDFC Regalia Gold Credit Card is a well-rounded offering that competes with other premium cards in the ₹2,500–₹5,000 annual fee range. With generous rewards, travel privileges, and milestone benefits, it’s an excellent choice for those looking to get more value from their everyday and travel spending.
If you travel often or spend consistently throughout the year, the Regalia Gold can easily repay its fee — and more — through rewards and vouchers.