HDFC Bank credit card
HDFC Bank Regalia Gold Credit Card
Travel and lifestyle rewards with fee-waiver potential for regular spenders
Credofly overview
Is HDFC Bank Regalia Gold Credit Card right for you?
HDFC Bank Regalia Gold is a mid-premium rewards card for cardholders who can use travel redemptions, select-brand accelerated earnings and the ₹4 lakh annual-fee waiver. Its value is strongest when you actively use the eligible benefits rather than treati
Earn 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital.
What it costs
Fees & charges
₹2,500 joining and annual fee, plus applicable taxes. Annual fee is waived on ₹4 lakh eligible annual spends.
Earning & redeeming
Rewards, made clear
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4 Reward Points on every ₹150 spent on retail transactions, including insurance, utilities, and education.
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20 Reward Points on every ₹150 spent at Marks & Spencer, Myntra, Nykaa & Reliance Digital (capped at 5,000 Reward Points per month).
How you can redeem
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Flights & Hotels via SmartBuy: 1 RP = ₹0.50
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Exclusive Gold Catalogue: 1 RP = ₹0.65
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Products & Vouchers: 1 RP = up to ₹0.35
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Airmiles Conversion: 1 RP = up to 0.5 airmiles
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Statement Balance: 1 RP = ₹0.20 (capped at 50,000 RP per month)
EMI Transactions, Insurance, Wallet, Rent, Fuel, Government Spends, and Tax Payments
<p>No reward points on fuel, wallet loads, rent payments, EMI transactions, or government-related spends.</p>Beyond rewards
Benefits that matter
Welcome offer
On net retail spends of ₹1 lakh within the first 90 days of issuance or upgrade/downgrade, eligible cardholders can unlock Club Vistara Silver and MMT Black memberships, subject to HDFC Bank’s current terms.
Milestone benefits
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₹1,500 Gift Voucher every quarter on spending ₹1.5 lakh.
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₹5,000 Flight Voucher on annual spends of ₹5 lakh.
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Additional ₹5,000 Flight Voucher on annual spends of ₹7.5 lakh.
Renewal benefits
Annual fee waived on spending ₹4 lakh in the card anniversary year.
Card benefits
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Complimentary Lounge Access: 12 domestic and 6 international visits annually.
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Exclusive Memberships: Swiggy One and MMT Black Elite.
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Reward Points: Accelerated earnings on select brands.
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Concierge Service: 24/7 assistance for travel and lifestyle needs.
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Insurance Coverage: Air accidental death cover, emergency overseas hospitalization, and credit liability cover.
Our independent take
Credofly review
The HDFC Regalia Gold Credit Card stands out in the premium segment, offering a comprehensive suite of benefits for travelers and lifestyle enthusiasts. With generous reward points, milestone vouchers, and exclusive memberships, it provides substantial value. The lounge access and concierge services enhance the travel experience, while the insurance coverage offers peace of mind. However, the absence of fuel surcharge waiver and the capping on accelerated reward points are areas to consider. Overall, it’s a compelling choice for those seeking a luxurious credit card experience.
✔️ Ideal for frequent travelers and lifestyle enthusiasts
✔️ Generous reward points and milestone benefits
❌ No fuel surcharge waiver
Why we like it
Combines premium travel benefits with lifestyle rewards, making it ideal for frequent travelers and shoppers.
Strengths
- <p>Complimentary lounge access (12 domestic, 6 international)</p>
- <p>Exclusive memberships: Swiggy One and MMT Black Elite</p>
- <p>Accelerated reward points on select premium brands</p>
Watch-outs
- <p>No fuel surcharge waiver</p>
- <p>Accelerated reward points capped at 5,000 RP/month</p>
- <p>Annual fee waiver requires ₹4 lakh annual spend</p>
Before you apply
Eligibility & application
Eligibility
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Salaried Individuals: Age 21–60, Net Monthly Income ≥ ₹1 lakh
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Self-Employed Individuals: Age 21–65, Annual ITR > ₹12 lakh
How to apply
Apply online via Credofly: https://credofly.com/go/hdfc-regalia-gold. Submit necessary documents and complete eKYC for quick approval.
Your questions answered
FAQs
What are the welcome benefits of the HDFC Regalia Gold Credit Card?
Upon payment of the joining fee, you receive a ₹2,500 gift voucher. Additionally, spending ₹1 lakh within 90 days of card issuance grants you complimentary Swiggy One and MMT Black Elite memberships.
How does the reward points system work?
Earn 4 Reward Points on every ₹150 spent on retail transactions, including insurance, utilities, and education. For spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital, earn 20 Reward Points per ₹150, capped at 5,000 Reward Points per month.
What are the milestone benefits?
Receive a ₹1,500 gift voucher every quarter on spending ₹1.5 lakh. On annual spends of ₹5 lakh, get a ₹5,000 flight voucher, and an additional ₹5,000 flight voucher on reaching ₹7.5 lakh.
Is there a fuel surcharge waiver?
No, the HDFC Regalia Gold Credit Card does not offer a fuel surcharge waiver.
What lounge access benefits are provided?
Enjoy 12 complimentary domestic lounge visits and 6 international lounge visits annually through Priority Pass.
How can reward points be redeemed?
Redeem points for flights and hotels via SmartBuy (1 RP = ₹0.50), exclusive products (1 RP = ₹0.65), airmiles conversion (1 RP = up to 0.5 airmiles), or against your statement balance (1 RP = ₹0.20, capped at 50,000 RP per month).
What insurance benefits are included?
The card offers an accidental air death cover of ₹1 crore, emergency overseas hospitalization cover up to ₹15 lakh, and a credit liability cover up to ₹9 lakh.
What is the foreign currency markup fee?
A 2% + GST fee is applicable on all foreign currency transactions.
From cardholders
User reviews
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