Visa, Mastercard 📡 Contactless NFC

HDFC Bank Regalia Gold Credit Card

Joining Fee₹2,500

Annual Fee₹2,500

Forex Markup 2%

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⚖️ Card Verdict & Target Persona

Who Should Apply

Frequent travelers and lifestyle spenders seeking 5X retail rewards, domestic & international lounge access, 1:0.5 air mile transfers, and flight ticket discounts via SmartBuy.

Who Should Avoid

Users who cannot meet the ₹1 Lakh quarterly spend threshold for lounge access.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Gift voucher worth ₹2,500 across leading brands (Myntra, Marks & Spencer, Marriott) + complimentary MakeMyTrip Black Elite Tier membership upon payment of joining fee

5X Rewards on Top Retail Brands

5X Reward Points on marquee retail partners (Myntra, Nykaa, Marks & Spencer, and Reliance Digital).

Domestic & International Airport Lounge Access

12 complimentary domestic (max 3/qtr on min ₹1 Lakh quarterly spend) + 6 international lounge visits/year with Priority Pass.

₹2,500 Welcome Brand Vouchers

Complimentary ₹2,500 vouchers across leading brands (Marks & Spencer, Myntra, Marriott) + MakeMyTrip Black Elite Tier upon payment of joining fee.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.5

Standard Base Earning

4 Reward Points per ₹150 spent on regular retail (1.33% return; 1 RP = ₹0.50 for SmartBuy travel)

Accelerated / Partner Rate

5X Reward Points (20 points per ₹150, 6.66% return) on Myntra, Nykaa, Marks & Spencer, and Reliance Digital; Up to 10X points via SmartBuy; ₹1,500 voucher on ₹1.5L quarterly spend; ₹5,000 flight voucher on ₹5L annual spend

Points Validity:36 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: SmartBuy Flights & Hotel Bookings (1 RP = ₹0.50, up to 70% of booking value), Air Mile Transfers (1 RP = 0.50 Air Mile across Air India, KrisFlyer, InterMiles), Apple Products & Tanishq Vouchers via SmartBuy (1 RP = ₹0.50), Direct Statement Cash Credit (1 RP = ₹0.20)

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits12 complimentary domestic airport lounge visits per calendar year (max 3 per quarter)

🌐

International Lounge Visits6 complimentary international airport lounge visits per calendar year via Priority Pass for primary and add-on cardholders

⚠️

Spend Criteria: Requires minimum retail spend of ₹1,00,000 in the previous calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹400,000/yr

Annual renewal fee of ₹2,500 + GST is waived off on spending ₹4,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹500/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹100,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (43.20% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the HDFC Bank Regalia Gold Credit Card

Annual Fee: ₹2,500/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

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Frequently Asked Questions

No, HDFC Bank Regalia Gold Credit Card has a joining fee of ₹2500 and an annual renewal fee of ₹2500 (plus applicable taxes).

HDFC Bank Regalia Gold Credit Card ₹2,500/yr