HDFC Bank Regalia Gold Credit Card
Luxury meets rewards: Travel, dine, and shop with exclusive benefits.
Network: Mastercard, Visa | Type: Travel and Rewards | Reward: Reward Points
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Fees & Charges
- Joining Fee: ₹2,500 + GST
- Annual Fee: ₹2,500 + GST
- Waiver: Waived on spending ₹4 lakh in the card anniversary year
- Foreign Markup: 2% + GST
- Fuel Surcharge: Not applicable
- Redemption Fee: None
- Late Payment Fee: ₹100 – ₹1,300 based on outstanding amount
- Interest Rate: 3.6% per month (~43.2% p.a.)
- Cash Advance: 2.5% or ₹500 minimum
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.
Rewards & Earnings
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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).
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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)
Benefits
- Welcome:
₹2,500 Gift Voucher upon payment of the joining fee. Complimentary Swiggy One and MMT Black Elite Memberships on spending ₹1 lakh within 90 days of card issuance.
- Milestone:
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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.
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- Renewal:
Annual fee waived on spending ₹4 lakh in the card anniversary year.
- Lifestyle:
Why We Like It
Combines premium travel benefits with lifestyle rewards, making it ideal for frequent travelers and shoppers.
Pros & Cons
✅ Pros
Complimentary lounge access (12 domestic, 6 international)
Exclusive memberships: Swiggy One and MMT Black Elite
Accelerated reward points on select premium brands
❌ Cons
No fuel surcharge waiver
Accelerated reward points capped at 5,000 RP/month
Annual fee waiver requires ₹4 lakh annual spend
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.
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.
User Reviews
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