HDFC Regalia Gold is one of the most searched premium cards in India. It is also a card that changed twice in 2026, so many reviews online now quote rewards and lounge rules that no longer apply. Here is the card as it stands, from HDFC’s published terms.
Regalia Gold at a glance
| HDFC Regalia Gold | |
|---|---|
| Joining and annual fee | ₹2,500 + GST (₹2,950) |
| Fee waiver | Spend ₹4 lakh in a year (rent and wallet loads do not count) |
| Rewards on most spends | 5 reward points per ₹200, about 1.25% |
| At Myntra, Marks and Spencer, Nykaa, Reliance Digital | 25 reward points per ₹200, about 6.25% |
| Lounge access | 12 domestic visits a year (spend-based) and 6 international through Priority Pass |
| Foreign currency markup | 2% |
| Network | Visa |
| Minimum income | ₹1.5 lakh a month (salaried) |
| Age | 21 to 60 |
What changed in 2026
- 15 May 2026: base rewards cut. It used to be 4 points per ₹150 (about 1.33%). It is now 5 points per ₹200 (about 1.25%).
- 1 July 2026: domestic lounges became spend-based. Before, 12 domestic visits a year came with no conditions. Now you get 3 visits a quarter, and only if you spent ₹60,000 on the card in the previous quarter.
- 1 July 2026: Boarding Edge added. Upload your boarding pass on SmartBuy and pick two benefits each quarter, such as spa access, airport transfers or a hotel room upgrade.
If a review you read quotes “4 points per ₹150” or “unconditional lounge access”, it was written before these changes.
How much it earns: a worked example
Say you spend ₹40,000 a month on the card, including ₹5,000 at Myntra and Nykaa.
- ₹35,000 on regular spends at 1.25% = about ₹437 in points value
- ₹5,000 at partner brands at 6.25% = about ₹312
- Total: about ₹750 a month, or roughly ₹9,000 a year
At ₹40,000 a month you spend ₹4.8 lakh a year, which crosses the ₹4 lakh waiver, so the ₹2,950 fee is not charged. You also clear the ₹60,000 a quarter needed for domestic lounge visits.
The partner-brand rate has a limit: the extra points stop at 5,000 a month across all four brands (about ₹2,500 in value). SmartBuy flight and hotel bookings also earn more, with their own monthly cap.
Points are worth about 50 paise
Each point is worth about ₹0.50 when redeemed the usual way, which is how we get 1.25% from 5 points per ₹200. Some redemptions give less. Points are not cash, so read how to work out a card’s real value before comparing with a cashback card.
Who it suits, and who it does not
Good fit
- You earn ₹1.5 lakh a month or more and spend ₹35,000 or more a month on one card
- You fly a few times a year and want Priority Pass for international lounges
- You already shop at Myntra, Nykaa or Reliance Digital
Not a good fit
- You spend less than ₹4 lakh a year: you will pay ₹2,950 every year
- You mainly pay by UPI: it is a Visa card, so it cannot be used for UPI payments
- You want simple cashback: a cashback card is easier to use well
Compare it with other HDFC cards in HDFC credit cards compared, or see the full fees and terms on the HDFC Regalia Gold card page.
Frequently asked questions
Is the HDFC Regalia Gold annual fee waived?
Yes, if you spend ₹4 lakh in a card year. Rent payments and wallet loads do not count towards it. Below that, ₹2,500 plus GST is charged.
How many lounge visits does Regalia Gold give?
6 international visits a year through Priority Pass, and 3 domestic visits a quarter if you spent ₹60,000 on the card in the previous quarter. Read what changed in lounge access for how this compares with other cards.
What is the reward rate on Regalia Gold now?
5 reward points per ₹200 on most spends, about 1.25%, since 15 May 2026. At Myntra, Marks and Spencer, Nykaa and Reliance Digital it is 25 points per ₹200, about 6.25%, up to 5,000 extra points a month.
This is general information to help you compare, not financial advice. SkyloFin is not a financial adviser. Fees, rates and caps change, so check the bank’s own terms before you apply. Card figures are from SkyloFin’s card pages as on 1 October 2026; card data sourced via CardAdvisor.in. SkyloFin may earn a commission when you apply through our links; it never changes what you pay.
