HDFC Bank
HDFC Regalia Gold Credit Card
Data last verified: 24 October 2026
- Joining fee₹2,500 + GST
- Annual fee₹2,500 + GST
- Reward rate1.25% on most spends; 6.25% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹2,500 + GST
- Annual fee₹2,500 + GST
- Fee waiverOn ₹4 lakh spend a year
- Forex markup2%
- Interest (APR)3.75% a month, 45% a year
Regalia Gold earns 5 reward points per Rs 200 on regular spends, about 1.25% in value. It jumps to 25 points per Rs 200 at Myntra, Marks and Spencer, Nykaa and Reliance Digital, and HDFC SmartBuy travel bookings earn at a similar high rate, both with monthly caps. You get a Rs 2,500 gift voucher once the joining fee is paid and Rs 5,000 of flight vouchers at Rs 5 lakh of spend.
The fee is ₹2,500 a year, waived at ₹4 lakh of annual spend. The joining voucher already matches the first-year fee, so the question is renewal. If you spend around Rs 35,000 a month, it costs nothing.
It suits salaried professionals who travel a few times a year. The catch is that the 12 domestic lounge visits need Rs 60,000 of spend in the previous quarter, 3 visits per quarter.
Best for: Salaried professionals, Occasional domestic and international travellers, Myntra and Nykaa shoppers.
01HDFC Regalia Gold Credit Card Rewards and Benefits
02HDFC Regalia Gold Credit Card Annual Fee and Charges
- Joining fee
- ₹2,500 + GST
- Annual fee
- ₹2,500 + GST
- Spend-based waiver
- Annual fee waived on ₹4 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 2%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1.25%₹250
- Back each month, ₹3,000 a year₹250
- Annual fee with 18% GST−₹2,950
- In your pocket each year₹50
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping only at Myntra, Marks & Spencer, Nykaa, Reliance Digital: 6.25% back, up to ₹2,500 a month
- Travel only at HDFC SmartBuy: 6.25% back, up to ₹2,000 a month
- Spending ₹33,333 or more a month: the ₹2,950 fee is waived
- Flyers: 18 airport lounge visits a year
- Spending abroad: 2% markup, most cards add 3.5%
Skip it if…
- you spend less than ₹33,333 a month (₹4,00,000 a year, rent and wallet loads not counted): the ₹2,950 fee is then charged
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on fuel, utility bills, rent or insurance: the card's terms do not state a rate there, so we count nothing
- you rarely spend on Myntra, Marks & Spencer, Nykaa, Reliance Digital or HDFC SmartBuy: the 6.25% rate applies only there, everything else earns 1.25%
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹2,500
- Fee waived on ₹4 lakh spend in a year
- 5 points per ₹200 on regular spends
- 25 points per ₹200 at Myntra, Marks and Spencer, Nykaa and Reliance Digital
- ₹2,500 gift voucher on paying the joining fee
- ₹5,000 flight vouchers on ₹5 lakh spend
- 12 domestic lounge visits (₹60,000 previous quarter spend) and 6 international with Priority Pass
05Pros and Cons
Pros
- About 1.25% back on regular spends
- 5X at popular shopping brands
- Welcome voucher matches the first-year fee
- Priority Pass with 6 international visits
Cons
- Domestic lounge access needs ₹60,000 spend in the previous quarter
- Accelerated rewards are capped each month
- Needs a fairly high income to qualify
06How HDFC Regalia Gold Credit Card earns Rewards
1.25% on most spends; 6.25% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1.25% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 6.25% | ₹2,500 | Only at: Myntra, Marks & Spencer, Nykaa, Reliance DigitalTerms: 25 reward points per ₹200 (~6.25%) at partner brands (1 point ≈ ₹0.50). The 5X accelerator caps at 5,000 RP a month across all four brands combined; the base 5 RP/₹200 on them is uncapped. |
| Dining and food delivery | 1.25% | No cap | The card's normal rate |
| Groceries | 1.25% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1.25% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 6.25% | ₹2,000 | Only at: HDFC SmartBuyTerms: SmartBuy: flights 5X (~6.25%), hotels 10X (~12.5%), capped 4,000 RP a month |
| Fuel | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Bills and recharges | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Rent | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Insurance premiums | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| School and college fees | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Wallet top-ups | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 1.25% | No cap | The card's normal rate |
| Everything else | 1.25% | No cap | The card's normal rate |
Terms on the base rate. 5 reward points per ₹200 (~1.25%) on other spends, cut from 4 RP/₹150 on 15 May 2026
Point value. 1 point is worth about ₹0.5 at the bank's stated value.
07HDFC Regalia Gold Credit Card Lounge Access and Travel
Domestic lounge access is 12 visits a year, international is 6 visits a year, through Priority Pass with Priority Pass. Spend Rs 60,000 in the previous quarter for domestic lounge access. Spending abroad carries a 2% forex markup; rewards on it: 1.25% back (the normal rate). See what it costs on your trip
Also on the card. concierge service, insurance cover, airport lounge access, milestone bonuses.
- Concierge service: Boarding Edge, upload a boarding pass on SmartBuy and pick any 2 benefits each calendar quarter from spa access, airport transfers via Uber, hotel dining or a hotel room upgrade
- Insurance cover: Accidental air death cover of ₹1 crore, emergency overseas hospitalisation up to ₹15 lakh, and credit liability cover up to ₹9 lakh
- Airport lounge access: 12 domestic (3/quarter) + 6 international lounge visits a year, the international ones on Priority Pass. From July 2026 domestic access requires ₹60,000 of spend in the previous quarter. Cash advances, card fees and all EMI spends (Easy EMI, SmartEMI, Dial-an-EMI) do not count toward that gate.
- Milestone bonuses: A further ₹5,000 SmartBuy flight voucher on ₹7.5 lakh of spend in the same anniversary year
- Milestone bonuses: ₹1,500 voucher each calendar quarter on ₹1.5 lakh of spend in that quarter, ₹6,000 a year only if you clear the bar in all four quarters
- Milestone bonuses: ₹5,000 SmartBuy flight voucher on ₹5 lakh of spend in an anniversary year
08HDFC Regalia Gold Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹1,50,000
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What HDFC Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Jul 2026 | Changed: Boarding Edge programme introducedSource: HDFC Bank | - | - |
| 1 Jul 2026 | Reduced: Domestic lounge access made spend-gatedSource: HDFC Bank | 12 domestic visits a year, unconditional | 3 visits/quarter, only if ₹60,000 spent prior quarter |
| 1 Jul 2026 | Reduced: SmartBuy brand-voucher earning capped | Up to 4,000 RP a month via vouchers | 3,000 RP a month via Brand Vouchers |
| 15 May 2026 | Reduced: Base earn rate cutSource: HDFC Bank | 4 RP per ₹150 (~1.33%) | 5 RP per ₹200 (~1.25%) |
| 15 May 2026 | Reduced: Dynamic currency conversion markup raised to 1.75%Source: HDFC Bank | 1% markup | 1.75% markup |
See this card's change history → · All card changes in July 2026 →
10Cards Similar to HDFC Regalia Gold Credit Card
HDFC Regalia Gold Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | HDFC Regalia Gold Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹2,500 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹2,500 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 1.25% on most spends; 6.25% only at partner merchants | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | 12 visits a year | 2 visits a year | Not included |
| Forex markup | 2% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is the ₹2,500 fee waived?
Yes, once you spend ₹4 lakh in a year. Below that the fee plus GST is charged.
How do lounge visits work?
You get 3 domestic visits a quarter if you spent ₹60,000 in the previous quarter, plus 6 international visits a year through Priority Pass.
What is the welcome benefit?
A ₹2,500 gift voucher once the joining fee is paid.
Who can apply?
Applicants aged 21 to 60 with a monthly income of about ₹1,50,000.
What is the joining fee for the HDFC Regalia Gold Credit Card?
The joining fee is ₹2,500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the HDFC Regalia Gold Credit Card?
The annual fee is ₹2,500 + GST.
Does the HDFC Regalia Gold Credit Card give airport lounge access?
Yes. Domestic lounge access is 12 visits a year, international is 6 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with HDFC Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
