HDFC Bank
HDFC Bank Regalia Gold Credit Card
Mainstream premium travel card with lounge access, milestone vouchers and accelerated lifestyle rewards.
✓ SmartCheck VerifiedIssuer-source checked on 17 Sep 2026
This card has been manually reviewed against official issuer sources across fees, rewards, benefits, charges and application status.
MastercardPremium
- Annual fee
- ₹2,500Waived at ₹4 lakh annual spend
- Forex markup
- 2%
Credofly Verdict
Is this card a good fit?
What works well
- Good combination of travel benefits and mainstream premium pricing.
Consider before applying
- Base reward rate is less compelling without SmartBuy or accelerated partners.
Rewards
How rewards work
- Reward type
- Reward Points : Reward Points
Fees & Charges
What the card costs
- Joining fee
- ₹2,500
- Annual fee
- ₹2,500
- Forex markup
- 2%
- Annual-fee waiver spend
- ₹4 lakh
Annual-fee waiver
Eligibility & Application
Before you apply
- Application channel
- Online
Frequently Asked Questions
Answers before applying
What is the annual fee for HDFC Bank Regalia Gold Credit Card?
The annual fee is ₹2,500.
Can the annual fee be waived?
Yes. The annual fee can be waived on annual spending of ₹4 lakh.
What forex markup does this card charge?
The forex markup is 2%.
Does this card support UPI?
No. This card does not support UPI.
Is this card currently open for applications?
Applications are currently open.
