HDFC Regalia Gold Credit Card Review
Shopping card with lounge access
The HDFC Regalia Gold has a ₹2,500 annual fee + GST, waived on ₹4,00,000 annual spend. It earns 0.5% back on regular spends and up to 5% on SmartBuy, with 12 domestic + 6 international airport lounge visits a year. Best for: shopping-heavy travellers spending ₹5 lakh+ yearly — our verdict: recommended.
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A shopping-tilted premium card with 12+6 lounge visits, 5X on shopping, quarterly vouchers and up to ₹10,000 in flight vouchers, plus welcome travel memberships. The ₹0.2 base point value, 2,000-point monthly cap and ₹4 Lakh waiver bar mean it rewards committed ₹5 Lakh+ spenders.
Shopping card with lounge access
The Bottom Line
The Regalia Gold Credit Card is built for shopping-led traveller and milestone chaser. With a ₹2,500 annual fee that is waived on ₹4,00,000 yearly spend, it offers 2.5% rewards on shopping and a welcome benefit worth ₹2,500. It makes the most sense if your spending matches shopping-led traveller and milestone chaser.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with Shopping-led traveller, Milestone chaser. 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
IdealThose who shop enough to use 5X (capped 2,000 points/month) and value 12+6 lounge visits plus quarterly retail vouchers.
Spenders reaching ₹5–7.5 Lakh annually for the ₹10,000 flight vouchers and welcome travel memberships.
Probably not for
SkipThe ₹4 Lakh waiver bar is hard to hit for moderate spenders, leaving the ₹2,500 fee unwaived.
At ₹0.2 base point value the everyday return is low outside the capped 5X shopping window.
Is It Worth It For You?
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Reward Rates
Regalia Gold Credit Card offers 0.5% basic reward rate.
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Welcome Offer
Rs.2,500 gift voucher issued on payment of the joining fee (in effect a first-year fee refund). Separately, complimentary MMTBLACK Gold membership and Swiggy One membership are granted on cumulative spend of Rs.1 lakh or more within 90 days of card issuance.
Milestone Benefits
Annual fee of Rs.2,500 + GST is waived if cumulative card spend in the preceding cardmembership year is Rs.4 lakh or more.
Rs.1,500 e-voucher (redeemable at partner brands such as Myntra, Marks & Spencer, Reliance Digital or Marriott) on quarterly spend of Rs.1.5 lakh.
Rs.5,000 flight voucher on annual spend of Rs.5 lakh.
An additional Rs.5,000 flight voucher (cumulative Rs.10,000 for the year) on annual spend of Rs.7.5 lakh.
Fees & Charges
Eligibility
- Min Income: ₹18 Lakhs
- Min ₹1 lakh/month net salary (salaried); ITR > ₹12 lakh p.a. self-employed; fee waived on ₹4 lakh annual spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
EasyEMI Conversion
- EasyEMI conversions do not accrue Reward Points; if a retail transaction is later converted to SmartEMI, already-accrued points are reversed (T&C items 4-5).
E-Wallet Loading
- Loading of e-wallets does not accrue Reward Points (T&C item 4).
Cash Withdrawal/Advance
- Only valid retail purchases qualify for Reward Points (T&C item 1); cash withdrawals/advances are not retail purchases.
Frequently Asked Questions
8 data-backed answers from our card database
Ready to apply?
₹2,500 annual fee. Apply on the HDFC Bank website.
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