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Last updated: 8 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 5X Reward Points per ₹150 spent
Earn 5 Reward Points per ₹150 on general retail spends. Earn 5X Reward Points (25 points per ₹150) on Nykaa, Myntra, Marks & Spencer, and Reliance Digital (capped at 5,000 points per month). Excludes fuel, rent, wallet loads, education, government, and EMI transactions.
Redeem for
The privileges that come bundled in, beyond the reward points.
Milestone Vouchers: Spend ₹1.5 Lakhs in a calendar quarter to get ₹1,500 brand vouchers. Spend ₹5 Lakhs in a year for ₹5,000 flight vouchers, and get an additional ₹5,000 flight voucher on reaching ₹7.5 Lakhs annual spend
Domestic Lounge Access: 3 complimentary domestic airport lounge visits per quarter (requires a minimum spend of ₹60,000 in the previous calendar quarter)
International Lounge Access: 6 complimentary visits per calendar year via Priority Pass for primary and add-on cardholders (requires 4 prior retail transactions to request membership)
Annual Fee Waiver: The ₹2,500 + 18% GST renewal fee is waived upon achieving ₹4 Lakhs in eligible spends in the preceding card anniversary year
Premium Travel Insurance: Includes ₹1 Crore accidental air death cover and up to ₹15 Lakhs for emergency overseas hospitalization
An honest read on where this card earns its keep — and where it doesn't.
Exceptional redemption value (₹0.65/point) exclusively through the Gold Catalogue
Low 2% foreign currency markup makes it cheaper for international spending than standard cards
Excellent milestone benefits yielding up to ₹16,000 in vouchers annually for heavy spenders
Priority Pass membership and international lounge benefits extend to add-on cardholders
Domestic lounge access is locked behind a strict ₹60,000 quarterly spend hurdle
Cashback redemption value is extremely poor (just ₹0.20 per point)
High annual spend requirement of ₹4 Lakhs to waive the ₹2,500 + 18% GST renewal fee
Excludes major everyday spending categories like rent, utilities, and education from earning rewards
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how HDFC Regalia Gold stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about HDFC Regalia Gold fees, reward conversion, lounge access, and application eligibility.
HDFC Regalia Gold has an annual fee of ₹2,500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Welcome benefit of a ₹2,500 gift voucher upon joining fee payment. Earn complimentary Club Vistara Silver Tier and MMT Black Elite memberships by spending ₹1 Lakh within 90 days of card setup.".
HDFC Regalia Gold earns Reward Points at a primary rate of Up to 5X Reward Points per ₹150 spent. Specifically, Earn 5 Reward Points per ₹150 on general retail spends. Earn 5X Reward Points (25 points per ₹150) on Nykaa, Myntra, Marks & Spencer, and Reliance Digital (capped at 5,000 points per month). Excludes fuel, rent, wallet loads, education, government, and EMI transactions.. Spends in Travel, Lifestyle, Premium, Shopping categories provide the maximum valueback per transaction on this card.
Rewards earned on HDFC Regalia Gold can be redeemed for Exclusive Gold Catalogue (1 RP = ₹0.65), SmartBuy Flights & Hotels (1 RP = ₹0.50), Air Miles Conversion (1 RP = 0.5 Mile), Products & Brand Vouchers (1 RP = ₹0.35), Statement Cashback (1 RP = ₹0.20) via HDFC Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
Yes, HDFC Regalia Gold features complimentary airport lounge privileges. Privileges include: "Domestic Lounge Access: 3 complimentary domestic airport lounge visits per quarter (requires a minimum spend of ₹60". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of HDFC Regalia Gold. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
HDFC Regalia Gold is issued on the Visa or Mastercard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
HDFC Regalia Gold levies a forex markup fee of 2.0% of the transaction amount + 18% GST (Effective 2.36%) on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
HDFC Regalia Gold currently features a welcome offer: "Welcome benefit of a ₹2,500 gift voucher upon joining fee payment. Earn complimentary Club Vistara Silver Tier and MMT Black Elite memberships by spending ₹1 Lakh within 90 days of card setup.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Exceptional redemption value (₹0.65/point) exclusively through the Gold Catalogue and Low 2% foreign currency markup makes it cheaper for international spending than standard cards. However, keep in mind that Domestic lounge access is locked behind a strict ₹60 and 000 quarterly spend hurdle. Overall, HDFC Regalia Gold delivers strong value if your regular spending aligns with Travel, Lifestyle, Premium, Shopping.
You can apply for HDFC Regalia Gold directly through HDFC Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
