HDFC Regalia Gold Credit Card
Fees
₹2,500 + Taxes
Joining & AnnualReward Rate
4 points per ₹150 retail; 12 points on IndiGo, Air Asia & Easemytrip via SmartBuy
Welcome Bonus
2,500 Reward Points on first card transaction
Lounge Access
3 Domestic/Qtr (₹60K Spend) + 6 Int'l/yr
FindMyCard 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.
Pros & Cons
Key Advantages
- 4 reward points per ₹150, a solid base earn rate
- 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)
Editorial Verdict
The HDFC Regalia Gold Credit Card is ideally suited for frequent domestic & international travelers. If you want 4 points per ₹150 retail; 12 points on indigo, air asia & easemytrip via smartbuy, this card delivers real value. The ₹2,500 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good to Excellent (750+), Salaried ₹1 Lakh/month or ITR ₹18 Lakh/annum credit to be approved.
Key Perks & Spending Milestones
4 reward points per ₹150 on retail purchases
12 reward points per ₹150 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
Milestone: 5,000 bonus points on ₹5 Lakh annual spends
Milestone: 10,000 bonus points on ₹8 Lakh annual spends
🚀 Milestone Spends Timeline
5,000 bonus reward points on annual retail spends of ₹5 Lakh
10,000 bonus reward points on annual retail spends of ₹8 Lakh
Annual fee waived on annual retail spends of ₹4 Lakh
Fees & Charging Rates
Annual Fee Waivers
₹2,500 + Taxes
💡 Annual fee waived on ₹4 Lakh annual retail spends
Regular Interest Charges
3.75% per month (45% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹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
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 | 4 points per ₹150 retail; 12 points on IndiGo, Air Asia &... | 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 |