HDFC Bank Regalia Gold Credit Card
About HDFC Bank Regalia Gold Credit Card
HDFC Regalia Gold remains a dominant force for travel booking value through SmartBuy, delivering a 1.25% base return on flights and hotels. The inclusion of 6 international Priority Pass visits without domestic spend hurdles and a lower 2.0% forex fee provide strong value for international trips.
Rewards and Benefits
Verified privileges, welcome benefits, movie discounts, and airport lounge schedules.
| Category | Details & Conditions |
|---|---|
| ⚡Rewards Rate | 5 Reward Points per ₹200 spent on all retail transactions (effective May 15, 2026). Up to 10X points via SmartBuy portal |
| 🛍️Accelerated Partners | 5X Reward Points (25 RP / ₹200) on Marks & Spencer, Myntra, Nykaa, and Reliance Digital (Capped at 5,000 bonus RP/month) |
| 🛋️Domestic Lounge Access | 3 visits per calendar quarter ONLY IF spending ₹60,000 in the preceding calendar quarter (spend-based gate effective July 1, 2026) |
| 🌐International Lounge Access | 6 complimentary visits per year via Priority Pass (unconditional, not tied to domestic quarterly spend hurdle) |
| 🎯Milestone Benefits | ₹1,500 voucher on ₹1.5 Lakh quarterly spend; ₹5,000 flight vouchers on ₹5 Lakh annual spend |
| 🍽️Movie & Dining | Good Food Trail / Swiggy Dineout dining discounts and Swiggy One membership on welcome spend |
| 🛡️Insurance Benefits | ₹1 Crore Air Accidental Death Cover, ₹15 Lakhs Emergency Overseas Hospitalization, ₹9 Lakhs Lost Card Liability |
Fees & Charges
Transparent schedule of annual charges, spend-based reversals, finance APR, and cash advance rates.
| Fee / Charge | Amount & Conditions |
|---|---|
| Spend-Based Waiver | ₹2,500 + GSTSpend target in anniversary year to reverse renewal fee. |
| Interest Rates / Finance Charges | 3.75% Per Month (45.00% Annually)Standard finance charge applicable on revolving retail balances and ATM cash advances until complete settlement (revised w.e.f. August 2024). |
| Late Payment Charges | Nil (Up to ₹100), ₹100 (₹101–₹500), ₹500 (₹501–₹1,000), ₹600 (₹1,001–₹5,000), ₹750 (₹5,001–₹10,000), ₹900 (₹10,001–₹25,000), ₹1,100 (₹25,001–₹50,000), ₹1,300 (Above ₹50,000)Tiered late payment charge based on total outstanding balance if Minimum Amount Due is not paid by payment due date. |
| Foreign Currency Markup | 2.00% + GSTPrivileged reduced forex markup rate on international POS and cross-border online merchant transactions. |
| Dynamic Currency Conversion (DCC) | 1.00% + GST Markup FeeApplicable on transactions carried out in Indian Currency (INR) at an international location or overseas-registered merchants. |
| Rewards / Cashback Redemption Fee | ₹99 + GST per redemption request (₹50 for statement cashback)Applicable on catalogue, gift voucher, or statement cashback redemptions via HDFC NetBanking or SmartBuy. |
| Fuel Surcharge Waiver | 1% Fuel surcharge waiver on transactions between ₹400 and ₹5,000 (Max ₹500 per statement cycle)Surcharge waiver excludes GST. Valid across all fuel stations in India. Fuel spends do not accrue reward points. |
| High-Value Fuel Spend Surcharge | 1% fee on fuel spends exceeding ₹15,000/month (Capped at ₹4,999/txn)Applicable on cumulative fuel spends above the monthly threshold in a calendar month. Surcharge is capped at ₹4,999 per transaction. |
| Cash Advance Charges | 2.5% of transaction amount or ₹500 (whichever is higher)Domestic & International ATMs. Finance charge of 3.75% p.m. applies from the date of withdrawal until full payment. |
| Overlimit Charges | 2.5% of Overlimit Amount (Min ₹550)Applicable if retail or merchant transactions exceed the sanctioned credit limit (subject to explicit cardholder consent). |
| Rental Transaction Surcharge | 1% fee capped at ₹4,999 per transactionProcessing fee levied on rental payments via platforms like CRED, Paytm, NoBroker, etc. (w.e.f. 1st July 2025). |
| Online Skill-based Gaming Surcharge | 1% fee on spends exceeding ₹10,000/month (Capped at ₹4,999/month)Applicable on online skill-based gaming transactions exceeding ₹10,000 cumulative in a calendar month (w.e.f. 1st July 2025). |
| Wallet Loading Surcharge (excl. PayZapp) | 1% fee on loads exceeding ₹10,000/month (Capped at ₹4,999/month)Applicable on wallet loading transactions exceeding ₹10,000 cumulative in a calendar month (PayZapp wallet loading is exempt, w.e.f. 1st July 2025). |
| Utility Payments Surcharge | 1% fee on utility spends exceeding ₹50,000/month (Capped at ₹4,999/month)Levied on cumulative utility bill payments (electricity, gas, water) exceeding the threshold in a calendar month. Capped at ₹4,999/month. |
| Third-Party Education Fee Surcharge | 1% fee capped at ₹4,999 per transaction via third-party appsLevied on school/college fee payments made via third-party apps (CRED, Cheq, NoBroker). Zero fee on direct school/college website or POS transactions. |
| Payment Dishonour / Bounce Charges | 2% of payment amount (Min ₹450)Charged if cheque, ECS, NACH, or auto-debit instruction towards credit card payment is returned or dishonoured. |
| Card Replacement Fee | ₹100 + GSTStandard physical card re-issuance fee for lost, stolen, or damaged card. |
| Cash Payment at HDFC Branch / ATM | ₹100 + GST per transactionService fee charged for paying credit card bill via physical cash deposit at HDFC Bank branches or ATMs. |
| Railway Ticket Booking Surcharge | 1% of transaction amount + GSTStandard IRCTC transaction fee charged on railway ticket purchases. |
Product Details
Pros & Cons
HDFC Bank Regalia Gold Credit Card Features and Benefits
Comprehensive overview of welcome benefits, quarterly spend bonuses, dining privileges, and renewal fee waiver milestones.
Welcome Privileges
Receive 2,500 Reward Points on fee payment. Spend ₹1,00,000 within 90 days of card setup to activate complimentary MakeMyTrip Black Gold and Swiggy One memberships.
Domestic Lounge Spend Gate
Access 3 complimentary domestic airport lounge visits per calendar quarter by spending at least ₹60,000 in the preceding calendar quarter.
Priority Pass International Access
Enjoy 6 complimentary international lounge visits every year using the Priority Pass card, independent of the domestic spend hurdle.
Milestone Bonuses
Earn a ₹1,500 voucher on spending ₹1.5 Lakhs in a calendar quarter (up to ₹6,000/yr), plus ₹5,000 flight vouchers on achieving ₹5 Lakhs annual retail spend.
HDFC Bank Regalia Gold Reward Schedule (2026 Verified)
Effective May 15, 2026, earn 5 Reward Points for every ₹200 spent on eligible retail purchases. Points are valid for 2 years.
Value of CashPoints / Points on Redemption
Comparative monetary conversion rates across cashback, flight tickets, product catalog, and airline miles.
| Redemption Option | Monetary Value (per Point) | Notes |
|---|---|---|
| SmartBuy Flights & Hotels | ₹0.50 | Optimal redemption yielding 1.25% base reward return |
| Exclusive Gold Catalogue | Up to ₹0.65 | Curated premium lifestyle products and luxury brand vouchers |
| Air Miles / Hotel Transfer | Up to 0.50 Miles | Transfer to participating airline and hotel frequent flyer partners |
| Products & Gift Vouchers | Up to ₹0.35 | General brand vouchers via NetBanking reward portal |
| Statement Credit (Cashback) | ₹0.20 | Direct balance credit (poor value compared to SmartBuy travel) |
Exclusions on Rewards Points / Cashback
In compliance with regulatory terms, the following spending categories are not eligible to earn reward points:
Eligibility Criteria for HDFC Bank Regalia Gold Credit Card
The following table illustrates the income-based and age-based underwriting criteria:
| Criteria | Salaried Employees | Self-Employed Individuals |
|---|---|---|
| Age | 21 – 60 Years | 21 – 60 Years |
| Income Proof | Gross Monthly Income > ₹1,00,000 | ITR > ₹12,00,000 Per Annum |
| Credit Score (CIBIL) | 750+ recommended | |
How to Apply for HDFC Bank Regalia Gold Credit Card
Simple 4-step digital application process directly on the official issuer portal:
Check Eligibility
Click "Apply Now" to open the official bank application portal.
Enter Details
Provide your mobile number, PAN, and employment information.
Complete Video KYC
Verify your identity via paperless Aadhaar OTP or a quick 2-minute Video KYC.
Receive Card
Get instant virtual card access and physical card delivery within 5-7 working days.
CardIntel Score v1.1
Objective Card Quality Breakdown
CardIntel Score v1.1 measures structural card quality against a fixed ₹6 lakh annual benchmark. It evaluates 9 factors including Net Ownership ROI, without affiliate commission, editorial preference, or card slug heuristics.
1.25% effective benchmark return
Zero ownership cost with strong net return
No monthly or category ceilings
Rewards Catalogue
Domestic (5/5) + Intl (0/3) + Terms (2/2)
3.5% forex markup
Open retail availability
0 benefit pillars qualified
Zero material reward conditions (7/7 pts)
Why this score?
Exceptional net ownership ROI, unrestricted reward cap headroom and broad consumer accessibility. The score is reduced by the forex markup, restricted redemption options and modest base reward yield.
You need to spend at least ₹2,03,000 per year (₹16,917/mo) on this card to fully recover its annual fee.
4-Layer Financial Intelligence
Card Economics & Net ROI
Evaluating real economic return after accounting for benchmark spending (₹6,00,000/yr), effective annual fee, and verified category caps.
Calculate Your Real Returns
What You'll Actually Earn
Calculated using CardIntel's deterministic reward rules, fee waivers, and merchant accelerated caps.
Frequently Asked Questions (FAQs)
Official guidance on applications, reward redemptions, credit limit assignments, and customer support.
You must spend a minimum of ₹60,000 in the preceding calendar quarter to unlock 3 complimentary domestic airport lounge visits for the current quarter.
Verified Bank MITC Provenance
All reward percentages, exclusions, and annual fee waiver rules for HDFC Bank Regalia Gold Credit Card are verified directly against official bank regulatory filings and Most Important Terms and Conditions (MITC).
CardIntel may earn referral fees from eligible application links. These fees never influence CardIntel Scores, rankings, or recommendations.
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