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HDFC Bank
HDFC Regalia Gold Credit Card
Travel
Shopping
Rewards
1st Year Fee: ₹2,500* Plus Applicable Taxes
Rewards Program
5X rewards on Nykaa, Myntra & more
Milestone Benefit
Vouchers up to Rs. 16,000 every year
Lounge Access
12 domestic & 6 int. visits per year
Save 8% on Nykaa, M&S, Myntra & more
Get flight vouchers of up to Rs. 10,000 every year
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About HDFC Regalia Gold Credit Card
Regalia Gold is the latest addition to the popular HDFC Regalia Credit card family, and a welcome one. Both HDFC Regalia and Regalia First were once one of the most popular and widely used all-rounder cards, but devaluation of features and rewards over the years had taken the sheen off the Regalia cards. But HDFC Regalia Gold may be the game-changer in the sub-5000 annual fee all-round card market.
A good reward rate, complimentary memberships on activation, international and domestic airport lounge access along with flight vouchers as milestone benefit are some of the strong features of the card. While the reward rate on Regalia Gold is the same as Regalia, the Gold variant provides an exclusive ‘Gold Catalogue’ that has additional premium brands for reward redemption. It is always a smart step to check credit score online beforehand, as maintaining a strong credit profile can help in securing approval for premium cards like HDFC Regalia Gold. If you meet the eligibility criteria and find the features suitable, you can apply for a credit card like HDFC Regalia Gold to maximize your rewards and travel benefits.
HDFC Regalia Gold Rewards Program
Reward Earning
- 5 reward points per Rs. 200 spent across all categories including insurance, utilities and education
- 5X reward points on spends at Nykaa, Myntra, Marks & Spencer and Reliance Digital, capped at 5,000 points per month across all brands
- 5X reward points on instant voucher purchases via SmartBuy
- Up to 10X reward points on flight & hotel bookings via SmartBuy
Reward Redemption
The rewards points on earned using this credit card can be redeemed against an exclusive Gold Catalogue on select premium brands, products and voucher purchase via SmartBuy.
Other Features and Benefits
Welcome Benefit
- Complimentary Swiggy One Membership1 with dining offers on credit card
- Complimentary MMT Black Gold Membership1
Lounge Access
- Complimentary Priority Pass Membership on completing 4 retail transaction on the card
- Avail up to 6 complimentary international lounge visits per calendar year (primary + add-on member)
- 3 complimentary domestic lounge visits on quarterly spends of Rs. 60,000
- Complimentary spa, buffet, hotel room upgrade, and airport transfer (any 2 every quarter) by uploading your boarding pass on Smartbuy under the Boarding Edge Program
Fees and Charges
| Particulars | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 2,500 + Taxes | ||||||||||||||||||
| Annual Fee | Rs. 2,500 + Taxes | ||||||||||||||||||
| Finance Charges | 3.75% p.m. (45% p.a.) | ||||||||||||||||||
| Cash Withdrawal Fee | 2.5% of amount withdrawn or Rs. 500 whichever is higher | ||||||||||||||||||
| Rewards Redemption Fee | Nil | ||||||||||||||||||
| Late Payment Charges |
|
HDFC Regalia Gold Credit Card Lounge Access
Domestic Airport Lounge Access
HDFC Regalia Gold Credit Card offers 12 complimentary domestic lounge visits per year. To avail your free access:
- Visit an eligible airport lounge (check HDFC lounge list beforehand)
- Show your boarding pass + Regalia Gold credit card
- Swipe your card at the lounge reception
- Entry will be granted (No charges within free limits)
International Airport Lounge Access
HDFC Regalia Gold cardholders also get 6 complimentary international lounge visits via Priority Pass. Here are some of the key points to note:
- Call HDFC Bank customer care or request your priority pass via net banking
- At the airport, show your priority pass + boarding pass
- Present the priority pass at the lounge
- If you exceed the free visits, US $27 + GST per visit will be charged your credit card
Note: The currency conversion rate would be as per the exchange rate on the date of billing.
Things to Know Before you apply
Get this card if:
You are a high-spender and can make the most of rewards as well as milestone benefits
You frequently shop at Nykaa, Myntra, Marks & Spencer and Reliance Digital
You want versatile reward redemption options like air miles, products, vouchers, etc.
You value travel perks like lounge access, flight vouchers, MMT membership, etc.
You are looking for a card that offers good value-back on both online and offline spends
Eligibility Criteria
Occupation: Salaried or Self-employed
Age: 21 to 60 years (65 years for self-employed)
Minimum Income for Salaried Non-Govt. Employees: Rs. 1.5 Lakh per month
Minimum Income for Salaried Govt. Employees: Rs. 1 Lakh per month
Minimum Income for Self-employed Applicants: Rs. 18 Lakh per annum
Paisabazaar Review
What do we like about this card?
There are several reasons to love HDFC Regalia Gold. First, at Rs. 2500 price point, few cards would be able to match up to the all-round benefits across travel and lifestyle that Gold offers. The base reward rate of 5 RPs per Rs. 200 spent, coupled with accelerated 5X reward points on platforms like Myntra, Marks and Spencer, Nykaa and Reliance Digital, makes its rewards program quite valuable. Smartbuy platform has always been impressive and now with the Gold Catalogue that comes with the Regalia Gold card, cardholders can redeem reward points against premium brands like Apple, Fitbit and Bose. Moreover, HDFC has also upgraded the milestone benefit for Regalia Gold allowing consumers to get flight vouchers worth Rs. 5,000 every year, plus a quarterly milestone benefit as well – a Rs. 1,500 gift voucher. For those seeking strong value-back on everyday spending along with travel benefits, Regalia Gold is a compelling choice.
Pros
- 5X rewards on Nykaa, Myntra, Marks & Spencer, and Reliance Digital
- Rewards on generally-excluded categories like insurance, utilities and education
- Multiple redemption options with good redemption value
- Travel benefits like Priority Pass Membership, complimentary lounge access, flight vouchers, etc.
- Vouchers worth Rs. 16,000 in a year as milestone benefits
Cons
- Accelerated earning is limited to select brands only
- Low redemption value on product/voucher purchase and cash conversion
- High spending threshold to make the most of milestone benefits=
Frequently Asked Questions
Everything you need to know about this credit card
HDFC Regalia Gold reward points are valid for 2 years from the date of accrual.
Once you pay the joining fee and meet other eligibility requirements, you can claim the complimentary memberships through SmartBuy (for Regalia Gold).
Points can be redeemed for flights and hotel bookings through SmartBuy, but they must be redeemed for bookings within India and with participating airlines and hotel chains. HDFC Bank regularly updates the list of partner airlines and hotels, hence consumers must check beforehand.
Yes. HDFC Regalia Gold Credit Card allows cardholders to get add-on cards. Moreover, you can get Priority Pass membership for add-on cardholders as well, once you complete minimum 4 transactions on your credit card.
If you do not meet the spend requirements for milestone benefits (like vouchers or fee waiver), you will not be eligible for those specific benefits, but you will still earn reward points on regular spending.
Yes. You can get Priority Pass membership with your HDFC Regalia Gold Credit Card. This can be used for availing complimentary lounge access outside India. Accessing Priority Pass lounges within India will be charged to your credit card.
Add-on cardholders of HDFC Regalia Gold Credit Card can get their own Priority Pass by calling the HDFC Bank phone banking numbers 1800 1600 or 1800 2600 (toll-free) and avail complimentary airport lounge access using it.
The credit limit you get with your HDFC Regalia Credit Card depends on your income, current debts, maximum limit on your existing credit cards, and several other factors. You will get to know the limit offered to you only after you receive your credit card.
Footnotes
- Applicable on spending Rs. 1 Lakh within 90 days of card issuance
Click here to know More Terms and Conditions
Rupanshi Thapa
Rupanshi is a personal finance writer, specializing in credit cards and consumer finance. Her work is committed to helping readers navigate the complex world of credit with confidence– whether they are selecting the right credit card, optimizings rewards, managing debt, or improving their financial well-being. Through her detailed insights and actionable advice, she guides readers towards smarter financial choices.
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