HDFC Bank Regalia Gold Credit Card
Your passport to a world of exclusive privileges
Annual Fee
₹2,500
Base Rewards
0.5%
Forex Fee
3.5%
Expert Verdict
The HDFC Regalia Gold is a powerful successor to the classic Regalia, offering superior travel perks and a unique high-value redemption catalogue. It bridges the gap between mid-tier and super-premium cards effectively.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹3,200
Includes ₹2,500 bonus
Year 2+
+₹700
Fee waiver eligible!
Why get this card
High reward value of ₹0.65 per point on the exclusive Gold Catalogue
Comprehensive lounge access for both primary and add-on members
Generous milestone benefits including flight vouchers up to ₹10,000 annually
Low foreign currency markup of 2% compared to standard 3.5%
Watch out for
Low reward value of ₹0.20 when redeemed for statement credit
High annual fee waiver threshold of ₹4 Lakhs
Accelerated 5X rewards are limited to only four specific brands
+1 more considerations
- Reward points on groceries and utilities are capped monthly
Who is this card for?
Best for
frequent traveler
Users who travel often and can utilize the 12 domestic and 6 international lounge visits along with flight vouchers.
Min: ₹50,000/mo
brand loyalist
Frequent shoppers at Myntra, Nykaa, Reliance Digital, and Marks & Spencer who benefit from 5X rewards.
Min: ₹30,000/mo
Skip if you're
cashback seeker
Users looking for direct statement credit as the redemption value is poor at 0.20 INR per point.
Base Earning
4 Reward Points
per ₹150 spent
0.5%
effective rate
Point value: ₹0.20/point
Bonus Categories
SHOPPING
5×
2.67% return
5000 pts/month
SmartBuy - TRAVEL
10×
5.33% return
4000 pts/month
Welcome Offer
Gift voucher equivalent to joining fee (₹2,500) upon fee payment. Complimentary Club Vistara Silver and MMT Black Elite memberships on spending ₹1 Lakh within 90 days.
₹2,500
value
within 30 days
Milestones
Spend ₹1.5L
Choice of ₹1,500 voucher from Marriott, Myntra, Reliance Digital, or Marks & Spencer.
Spend ₹5.0L
Flight voucher worth ₹5,000 on annual spends.
Spend ₹7.5L
Additional flight voucher worth ₹5,000 (Total ₹10,000 for the year).
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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Visa
Upgrade Path
Move up or down within this bank