HDFC Bank Regalia Gold Review 2026: Fees, Rewards & Lounge Access
Explore HDFC Regalia Gold credit card features: 5X rewards on Myntra/Nykaa, 12 domestic & 6 international lounge visits, and ₹10,000 flight vouchers.
The HDFC Regalia Gold is a robust premium card that bridges the gap between entry-level and super-premium cards. It excels in travel and lifestyle rewards, particularly for those who can hit the ₹4 Lakh annual spend for fee waiver.
Elevate your lifestyle with premium rewards and travel privileges.
The Bottom Line
The HDFC Bank Regalia Gold is the HDFC Regalia Gold is a robust premium card that bridges the gap between entry-level and super-premium cards. It excels in travel and lifestyle rewards, particularly for those who can hit the ₹4 Lakh annual spend for fee waiver. With a ₹2,500 annual fee that is waived on ₹4,00,000 yearly spend, it offers 0% rewards on lifestyle brands and a welcome benefit worth ₹2,500. For anyone researching hdfc bank regalia gold credit card, the verdict is simple: recommended.
It earns a base reward rate of 0.5333333333333334% and stacks best when your spending lines up with frequent-traveler, lifestyle-shopper. The renewal fee gets easier to justify once you can hit ₹4,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealOffers extensive lounge access and high-value flight vouchers through milestones.
5X rewards on popular brands like Myntra, Nykaa, and Reliance Digital.
Probably not for
SkipAnnual fee waiver requires ₹4 Lakh spend, which may be difficult for low spenders.
Is It Worth It For You?
Slide to your typical monthly card spend. We'll do the rest.
Calculate Your Value
Adjust your typical monthly spend by category.
Spend ₹4,00,000 more to waive annual fee
Sign in for personalized estimates based on your actual spending
Reward Rates
HDFC Bank Regalia Gold offers 0.5333333333333334% basic reward rate.
Quick Calculator
Estimate earnings for a specific purchase
Welcome Offer
Milestone Benefits
Choice of Marriott, Myntra, M&S, or Reliance Digital vouchers.
Flight voucher worth ₹5,000.
Additional flight voucher worth ₹5,000.
Fees & Charges
Eligibility
- Min Income: ₹12 Lakhs
- Min Credit Score: 750
- Salaried: Net monthly income > ₹1 Lakh. Self-employed: ITR > ₹18 Lakhs per annum.
Exclusions & Terms
Fuel
Wallet Loads
Rent Payments
Government Transactions
Cash Advances
Compare with Alternatives
Frequently Asked Questions
2 data-backed answers from our card database