HDFC Regalia Gold Credit Card by HDFC Bank — Credit Card Image
HDFC Bank Review Verified: 2026-08-24 🔥 Featured Card

HDFC Regalia Gold Credit Card

4.4 / 5.0 Rating
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#premium #best-for-travel

Fees

₹2,500 + Taxes

Joining & annual

Reward Rate

5 reward points per ₹200 retail (revised from ₹150, effective 15 May 2026); up to 12 points on IndiGo, Air Asia & Easemytrip via SmartBuy

Welcome Bonus

2,500 Reward Points on first card transaction

Lounge

3 Domestic/Qtr (₹60K Spend) + 6 Int'l/yr

Overview Perks & Milestones Fees & Interest Insurance Eligibility FAQs Compare

Our Expert Take

HDFC Regalia Gold sits in a comfortable middle ground for frequent travelers who want lounge access and strong reward earn rates without paying a premium-tier fee. The 12X multiplier on flights and hotels booked through SmartBuy is the real draw here, and the ₹4 lakh spend needed to waive the ₹2,500 fee is realistic for most people who'd actually use this card.

Reward limits

Checked 27 Sep 2026 · Bank terms

  • 5X points at Myntra, Nykaa, Reliance Digital and Marks & Spencer

    Max 5,000 bonus points per month

  • Points on grocery

    Max 2,000 points per calendar month

  • Points on insurance

    Max 2,000 points per month

  • All reward points on the card

    Max 50,000 points per statement cycle

No rewards on: Fuel, rent, government, wallet loads, EasyEMI

Where this card earns most

Paying directly in the app or site · 1.25% on other spends

Myntra 6.25% Nykaa 6.25% Reliance Digital 6.25%
Find the best card for any app or store →

Pros & Cons

Key Advantages

  • 5 reward points per ₹200 retail (revised May 2026)
  • 12X points on partner airlines & travel via HDFC SmartBuy
  • 3 domestic lounge visits/quarter (conditional on ₹60,000 quarterly spend)
  • Annual fee waived on ₹4 lakh annual spends, achievable for most cardholders
  • Travel insurance up to ₹1 crore air accident cover

Limitations

  • ₹2,500 annual fee charged upfront
  • 3.75% monthly finance charges if you carry a balance
  • Reward point value lower vs super-premium cards
  • International lounge via Priority Pass capped at 6 visits/year (requires 4 retail transactions to activate)

Key Perks & Spending Milestones

5 reward points per ₹200 on retail purchases (revised from ₹150, effective 15 May 2026)

12 reward points per ₹200 on IndiGo, Air Asia & Easemytrip via SmartBuy

3 complimentary domestic airport lounge visits per calendar quarter (conditional on minimum ₹60,000 retail spend in the preceding quarter, via Dreamfolks)

6 complimentary international lounge visits/year via Priority Pass (requires completing 4 retail transactions to activate) (Requires ₹60,000 spend in preceding quarter)

Air accident insurance cover up to ₹1 Crore

Emergency overseas medical cover up to ₹15 Lakh

1% fuel surcharge waiver on transactions ₹400–₹5,000

Lost card liability protection up to ₹9 Lakh

Spend milestone

5,000 bonus reward points on annual retail spends of ₹5 Lakh

Spend milestone

10,000 bonus reward points on annual retail spends of ₹8 Lakh

Spend milestone

Annual fee waived on annual retail spends of ₹4 Lakh

Fees & Charges

Joining fee

₹2,500 + Taxes

Annual fee

₹2,500 + Taxes

Annual fee waived on ₹4 Lakh annual retail spends

Interest rate

3.75% per month (45% per annum)

Late payment fee

Up to ₹500
Nil
₹501 to ₹1,000
₹500
₹1,001 to ₹5,000
₹600
₹5,001 to ₹10,000
₹750
₹10,001 to ₹25,000
₹900
₹25,001 to ₹50,000
₹1,100
Above ₹50,000
₹1,300

Insurance & Protection Benefits

air accident cover

Up to ₹1 Crore

lost card liability

Up to ₹9 Lakh

purchase protection

Up to ₹50,000

emergency medical cover

Up to ₹15 Lakh (overseas)

Eligibility Criteria

salaried minimum income

₹1 Lakh per month

self employed ITR

₹18 Lakh per annum

age

21 to 60 years

Credit score & income

Good to Excellent (750+), Salaried ₹1 Lakh/month or ITR ₹18 Lakh/annum

Frequently Asked Questions

Is HDFC Regalia Gold worth it after the May 2026 reward rate change?
The base earn rate moved from 4 points per ₹150 to 5 points per ₹200, a small reduction in effective value. It's still worthwhile if you regularly hit ₹60,000 quarterly spend for lounge access and ₹4 lakh annually for the fee waiver — the lounge and travel insurance benefits alone justify the ₹2,500 fee for most frequent travellers.
How many airport lounge visits does Regalia Gold offer?
3 complimentary domestic lounge visits per calendar quarter (conditional on ₹60,000 spend in the preceding quarter) plus up to 6 international visits per year via Priority Pass, which requires completing 4 retail transactions to activate.
Can the Regalia Gold annual fee be waived?
Yes. The ₹2,500 annual fee is waived if you spend ₹4 lakh or more in a card anniversary year — a threshold most regular users of this card clear comfortably.
What changed with HDFC Regalia Gold in 2026?
Effective 15 May 2026, HDFC revised the base and SmartBuy reward rates from a ₹150 basis to a ₹200 basis (for example, 4 points per ₹150 became 5 points per ₹200), a roughly 6% reduction in earn value per rupee spent.

Compare HDFC Regalia Gold Credit Card With Similar Cards

Card Annual Fee Reward Rate Lounge Access Rating
HDFC Regalia Gold Credit Card This Card ₹2,500 + Taxes 5 reward points per ₹200 retail (revised from ₹150, effective 15... 3 Domestic/Qtr (₹60K Spend) + 6 Int'l/yr 4.4/5
HDFC Infinia Credit Card Metal Edition ₹12,500 + Taxes 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings Unlimited Domestic + International 4.9/5
Axis Bank ATLAS Credit Card ₹5,000 + Taxes 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends 8 Domestic + 4 International/yr 4.8/5
Axis Bank Burgundy Private Credit Card ₹50,000 + Taxes 15 EDGE Reward points per ₹200 spent on retail and international... Unlimited Domestic + International 4.8/5

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