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HDFC Bank Regalia Gold Credit Card credit card artwork

HDFC Bank • Visa

HDFC Bank Regalia Gold Credit Card

▼ Downgraded

CardIntel Score: 62/100

Verified on official issuer terms

CardIntel Product Family

HDFC Bank Regalia Product Family•HDFC Bank Regalia Product Suite

Explore HDFC Bank Regalia Family Hub

Legal Issuer

HDFC Bank

Product Category

TRAVEL

Network

Visa

Issuing Status

Active

CardIntel Canonical Architecture Note: Core proprietary credit cards issued directly by HDFC Bank Limited under official RBI credit card guidelines.

Other HDFC Bank Regalia Variants:

Regalia(Visa / Mastercard)

Regalia GoldCurrent

Regalia Activ(Visa)Compare all 3 in Family Hub

Joining Fee

₹2,500 + GST

Annual Fee

₹2,500 + GST

Spend Waiver

Waived at ₹4L/yr

Lounge Access

3 visits per calendar quar...

Forex Markup

2.00% + GST

Best Suited For

Travel & Lifestyle

Rewards Rate

5 Reward Points per ₹200 Spent on Eligible Retail Purchases (1.25% Base Return on SmartBuy). 5X Points on Retail Partners

Welcome Benefits

2,500 Reward Points + MMT Black Gold & Swiggy One (on ₹1L Spend in 90 Days)

Apply Now

CardIntel Score

Objective card quality

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.

62.3/100

Moderate

Rounded: 62/100

Reward Return1.3% Return

6.3/25

1.25% effective benchmark return

Net Ownership ROI₹0 Cost (Fee Waived)

14/15

Zero ownership cost with strong net return

Reward Cap HeadroomUncapped

12/12

No monthly or category ceilings

Redemption LiquidityRewards Catalogue

7/10

Rewards Catalogue

Lounge Utility12 Dom/yr, 0 Intl/yr

7/10

Domestic (5/5) + Intl (0/3) + Terms (2/2)

Forex Markup3.50% Forex

1/8

3.5% forex markup

Accessibility & EligibilityOpen Retail

8/8

Open retail availability

Benefit Breadth0 / 5 Pillars

0/5

0 benefit pillars qualified

Condition SimplicityFriction-Free

7/7

Zero material reward conditions (7/7 pts)

Why this score?

• Uncapped: 12/12

• Open Retail: 8/8

• Friction-Free: 7/7

Key drag: 0 / 5 Pillars: 0/5

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.

Version: v1.1Benchmark: ₹50,000/monthAnnual benchmark: ₹6,00,000Confidence: HIGH

Break-Even Recovery Spend: ₹2,03,000 / yearWaiver Met on ₹6L Benchmark

You need to spend at least ₹2,03,000 per year (₹16,917/mo) on this card to fully recover its annual fee.

Reconciliation Note: While ₹2,03,000/yr retail spend recovers the listed ₹2,500 annual fee via baseline rewards if the waiver is not met, our ₹6,00,000 universal benchmark spend exceeds the bank's waiver threshold, reducing the effective annual fee payable to ₹0.

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.

1. CardIntel Score

62.3/100

Moderate Quality

2. Card Net ROI

N/A — ₹0 ownership cost

₹0 Effective Fee (Waived)

3. Estimated Net Value

₹13,500

Per year on ₹6L spend

4. Effective Cost

₹0

Annual fee waived on ₹6L spend

Estimated Gross Annual Rewards₹7,500

Monetizable Perks (Lounge & Fuel)+₹6,000

Effective Annual Cost₹0 (No annual fee)

Recurring Net Annual Value (Year 2+)₹13,500/year

CardIntel strictly separates first-year introductory welcome perks from ongoing recurring ROI. Lifetime Free cards show ₹0 ownership cost rather than infinite percentages.

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Rewards and Benefits

Verified privileges, dining perks, reward redemption values, 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

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Fees & Charges

Transparent schedule of annual charges, spend-based reversals, finance APR, and cash advance rates.

Spend-Based Waiver

₹2,500 + GST

Spend 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% + GST

Privileged reduced forex markup rate on international POS and cross-border online merchant transactions.

Dynamic Currency Conversion (DCC)

1.00% + GST Markup Fee

Applicable 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 transaction

Processing 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 apps

Levied 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 + GST

Standard physical card re-issuance fee for lost, stolen, or damaged card.

Cash Payment at HDFC Branch / ATM

₹100 + GST per transaction

Service 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 + GST

Standard IRCTC transaction fee charged on railway ticket purchases.

Product Details

✓

2,500 bonus Reward Points upon realization of the joining fee.

✓

Swiggy One and MakeMyTrip Black Gold memberships on spending ₹1 Lakh in the first 90 days.

✓

5 Reward Points per ₹200 spent on all eligible retail transactions.

✓

5X Reward Points on select lifestyle brands: Marks & Spencer, Myntra, Nykaa, and Reliance Digital.

✓

3 domestic lounge visits per quarter subject to ₹60,000 spend in the preceding quarter.

✓

6 international lounge visits per calendar year via complimentary Priority Pass.

Pros & Cons

Pros

+High 1.25% base return on flights and hotels through HDFC SmartBuy portal (1 RP = ₹0.50)

+6 complimentary international airport lounge visits per year with Priority Pass

+Competitive 2.0% forex markup compared to standard 3.5% bank charges

+Generous milestone bonuses: ₹1,500 quarterly vouchers and ₹5,000 annual flight vouchers

Cons

−Domestic airport lounge access now requires a strict ₹60,000 spend in the preceding quarter

−Poor 1:0.20 cash conversion value if redeemed directly into statement balance

−₹4 Lakh annual spend hurdle required to waive the ₹2,500 renewal fee

−1.75% DCC fee on cross-border transactions settled in INR

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 Gift

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

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.

Global Travel

Priority Pass International Access

Enjoy 6 complimentary international lounge visits every year using the Priority Pass card, independent of the domestic spend hurdle.

Milestone Perks

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.

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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.

10 Partner Merchants (Accelerated Rate):

Nykaa

5X Reward Points (25 RP / ₹200)

Myntra

5X Reward Points (25 RP / ₹200)

Marks & Spencer

5X Reward Points (25 RP / ₹200)

Reliance Digital

5X Reward Points (25 RP / ₹200)

SmartBuy Flights/Hotels

Up to 10X Points

•5 Reward Points per ₹200 spent (2.5 RP per ₹100).

•Accelerated 5X partner points are capped at 5,000 bonus Reward Points per calendar month.

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)

•1 Reward Point = ₹0.50 for flight and hotel bookings via the HDFC SmartBuy portal.

•A fee of ₹99 + GST applies per redemption request on catalogue items and air miles transfers.

•Reward Points expire after 2 years from the date of earning.

Exclusions on Rewards Points / Cashback

In compliance with regulatory terms, the following spending categories are not eligible to earn CashPoints or reward points:

✕Fuel transactions

✕Wallet loading transactions

✕Rental payments

✕Government transactions

✕Education payments via third-party platforms

✕EMI transactions and cash advances

Who Should Choose HDFC Regalia Gold?

HDFC Regalia Gold is crafted for frequent domestic and overseas travelers and high-spending shoppers who can spend ₹60,000+ per quarter to maintain lounge access and redeem points primarily for flights and hotels through SmartBuy.

✓ Frequent Business & Leisure Travelers✓ SmartBuy Flight / Hotel Bookers✓ Premium Brand Shoppers (M&S, Nykaa)✓ Cardholders Wanting Priority Pass Access

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

Compare HDFC Regalia Gold With Peer Travel Cards

Side-by-side comparison of rewards, merchant partner rates, monthly caps, and annual fees.

Feature / Card	HDFC Regalia Gold Credit Card Current Card	Axis Bank Atlas	HDFC Millennia Credit Card
Reward Structure	5 RP per ₹200 (1 RP = ₹0.50 on SmartBuy flights)	5 EDGE Miles/₹100 on travel, 2 EDGE Miles/₹100 base	5% cashback on 10 partner brands, 1% other retail
Reward Rate at Partner Merchants	5X RP on Nykaa, Myntra, M&S, Reliance Digital; Up to 10X on SmartBuy	1:2 transfer ratio to airlines & Accor	5% Amazon, Flipkart, Swiggy, Zomato
Cap on Rewards	5,000 bonus RP/month on 5X partner tier	Tiered milestone bonuses	₹1,000/month on 5% + ₹1,000/month on 1%
Additional Benefits	3 domestic lounge visits/quarter on ₹60k spend + 6 Priority Pass visits/year	Tiered domestic & international lounge access	₹1L quarterly spend milestone gives lounge voucher or ₹1,000 brand voucher
Annual Fee & Waiver	₹2,500 + GST (waived on ₹4 Lakh annual spend)	₹5,000 + GST	₹1,000 + GST (waived on ₹1 Lakh annual spend)

Latest News & Program Updates

Verified policy adjustments, convenience surcharges, and MITC revisions implemented by the issuer:

July 2026Verified Regulatory Notice

Domestic Lounge Spend Requirement Introduced

Complimentary domestic lounge access now requires a minimum spend of ₹60,000 in the preceding calendar quarter to unlock 3 visits.

May 2026Verified Regulatory Notice

Base Reward Revision to ₹200 Spend Tiers

Base reward rate updated to 5 Reward Points per ₹200 spent on retail transactions (2.5 RP / ₹100, revised from 4 RP / ₹150).

2026Verified Regulatory Notice

1.75% Dynamic Currency Conversion (DCC) Fee

A 1.75% DCC markup applies on cross-border transactions where international merchants charge directly in Indian Rupees.

HDFC Regalia Gold Review: Premium Travel & Lifestyle Workhorse

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.

However, the addition of the ₹60,000 quarterly spend gate for domestic lounges and the 1.75% DCC fee require cardholders to be deliberate with their quarterly spend allocations.

Financial Punctuality Advisory:

Domestic lounge visits are strictly gated by ₹60,000 spend in the preceding quarter. Always pay in local currency abroad to avoid the 1.75% DCC fee.

Similar Top-Rated Alternative Cards:

Axis Bank Atlas

Higher air miles conversion and uncapped travel multipliers.

HDFC Millennia Credit Card

Better for 1:1 statement cashback on domestic e-commerce if spending under ₹4 Lakh/yr.

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.