HDFC Bank Regalia Gold Credit Card
- Updated On: 17 April, 2026
The Regalia credit card range is one of HDFC Bank’s most sought-after offerings. It offers cardholders some of the best-in-class travel and lifestyle privileges.
The Regalia Gold card comes at an annual fee of ₹2,500. It offers a complimentary MMTBLACK Gold and Swiggy One membership on spending over ₹1 Lakh within 90 days of getting the card issued. Individuals get 5 Reward Points on every retail spend of ₹200 and earn 25 Reward Points on every ₹200 spent in-store and online at Nykaa, Reliance Digital, Myntra, and Marks & Spencer.
The reward points you earn can be redeemed through Netbanking or Smartbuy on flight/hotel bookings, transfer to Airmiles, products, vouchers on the Exclusive Gold Catalog, and even cashback. In addition, the Regalia Gold card offers premium travel and insurance benefits to the cardholder. Keep reading our Regalia Gold credit card review to know more about this premium lifestyle card by HDFC Bank.
HDFC Bank Regalia Gold Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
5 Reward Points/₹200 on All Eligible Retail Spends, Including Utilities, Insurance, and Education. 25 Reward Points/₹200 for Myntra, Marks and Spencer, Nykaa, and Reliance Digital Spends
Welcome Benefits
Voucher Worth ₹2,500
Rewards and Benefits
Movie & Dining
₹200 Off on Swiggy Dineout (Twice Each Month)
Rewards Rate
5 Reward Points/₹200 on All Eligible Retail Spends, Including Utilities, Insurance, and Education. 25 Reward Points/₹200 for Myntra, Marks and Spencer, Nykaa, and Reliance Digital Spends
Reward Redemption
Redeem RPs for flight/hotel bookings via the Smartbuy portal at the rate of 1 RP = Rs. 0.50, convert RPs into airmiles through Netbanking at the rate of 1 RP = 0.50 Airmiles, Redeem RPs for products and gift vouchers on the Smartbuy portal at the rate of 1 RP = Rs. 0.35, and Redeem RPs against the Exclusive Gold Catalogue on Smartbuy at the rate of 1 RP = Rs. 0.65
Travel
Complimentary Flight Tickets on Reaching Spend Milestones
Domestic Lounge Access
3 Complimentary Domestic Airport Lounge Access Every Quarter (12 Each Year) on Spends of ₹60,000 or More in the Previous Quarter
International Lounge Access
6 International Lounge Visits Via Priority Pass (For Both Primary and Add-on Cardholders)
Golf
N/A
Insurance Benefits
Air Accident Death Cover Up to ₹1 Crore, Emergency Overseas Hospitalisation Cover Worth ₹15 Lakhs, Credit Liability Cover Up to ₹9 Lakhs
Fees & Charges
Spend-Based Waiver
Renewal Fee Waiver on Spending Rs. 4 Lakh in a Year
Rewards Redemption Fee
₹99 + GST
Foreign Currency Markup
2% + GST
Interest Rates
3.75% (45% Annually)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
2.5% of total amount or Rs. 500, the higher one
Product Details
- Complimentary MMT Black Gold and Swiggy One membership on spending over ₹1 lakh within 90 days of getting the card issued.
- 1,500 worth of vouchers from any one of M&S, Myntra, Reliance Digital, or Marriott on spending ₹1.5 Lakhs each quarter
- 5,000 worth of complimentary flight vouchers on spending ₹7.5 Lakhs in the card anniversary year
- 5 Reward Points on every retail spend of ₹200 and 5X accelerated Reward Points on every ₹200 spent on purchases at M&S, Nykaa, Myntra, and Reliance Digital
- 12 complimentary lounge access in India at both international and domestic terminals every year
- Six complimentary lounge access outside India through the Priority Pass
- Renewal fee waiver on spending ₹4 Lakhs in the card anniversary year
- Low foreign currency markup fee of 2%
Pros/Cons
Pros
- Enjoy the exclusive 24/7 concierge service that comes with the Regalia Gold Credit Card.
- You can enjoy access to both domestic and international lounges, with 12 and 6 visits per year, respectively.
Cons
- A fee of ₹99 is applicable for reward redemption.
- Card renewal fee waiver is at a high cost of ₹4 lakhs.
HDFC Regalia Gold Credit Card Reward Earnings
- Get 5 Reward Points on every spend of ₹200 on retail, including utilities, insurance, and education, with a maximum cap of 2000 RPs per month on grocery transactions and 2,000 RPs per day on insurance transactions.
- Get 25 Reward Points on every spend of ₹200 on Myntra, Marks and Spencer, Nykaa, and Reliance Digital with a maximum cap of 5,000 RPs across all brands.
Reward Points Redemption
- You can redeem RPs for flight/hotel bookings via the Smartbuy portal at the rate of 1 RP = ₹0.50
- You can convert RPs into Airmiles through Netbanking at the rate of 1 RP = 0.50 Airmiles
- Redeem RPs for products and gift vouchers on the Smartbuy portal at the rate of 1 RP = ₹0.35
- Redeem RPs against the Exclusive Gold Catalog on Smartbuy at the rate of 1 RP = ₹0.65
- You can also redeem the RPs as cashback against your card statement balance at the rate of 1 RP = ₹0.20. The maximum cashback redemption cap is 50,000 RPs per month.
Boarding Edge and Other Travel Benefits
Spa Access, Airport Transfers, and More With Boarding Edge
With the HDFC Regalia Gold Credit Card, cardholders can avail two benefits per quarter through the Boarding Edge program. To access these, you simply need to upload your boarding pass on the SmartBuy portal.
The available benefits include:
- Spa access at participating wellness centers
- Local airport transfers via Uber
- Dining experiences at participating hotels
- Room upgrades at participating hotels
This benefit has been introduced effective 15th May 2026.
Domestic Lounge Access
- Get 12 complimentary domestic lounge access at Indian airports every year for both international and domestic terminals. Domestic airport lounge access is based on spends of ₹60,000 or more in the previous quarter.
- Use your Regalia Gold card to get complimentary lounge access; the airport lounge charges for all visits after the complimentary quota is reached.
International Lounge Access
- Get six complimentary international lounge access every year through the Priority Pass for both the primary and add-on cardholders.
- After you complete at least four transactions with your Regalia Gold credit card, you can apply for Priority Pass membership. After you finish the complimentary quota, all visits cost USD 27 plus GST.
Regalia Gold Credit Card – Other Features & Benefits
The new Regalia Gold card by HDFC Bank is loaded with exclusive travel and shopping benefits. It offers a great reward rate on all retail spends and 5X reward points on purchasing from partner brands and merchants. Let’s know more about the features and benefits of this newly launched credit card in detail.
Welcome Benefits
After successfully paying the joining fees, you will receive a gift voucher worth ₹2500. You will also receive a complimentary MMTBLACK Gold and Swiggy One membership upon spending over ₹1 Lakh within 90 days of getting the credit card issued. The welcome benefits must be claimed within 60 days from the benefit end date, and the complimentary memberships are valid for one year.
Swiggy One Membership
- Unlimited free delivery
- Member-only discount
- No surge charges
- Discount on Swiggy Genie
MMTBLACK Gold Membership
- 10% extra discount on selected hotels
- Early check-ins, free room upgrades, discounts on beverages, food, etc., at specific hotels
- Make travel spends on MakeMyTrip and get My Cash. You can use the My Cash for a booking.
Milestone Benefits
- You get complimentary flight tickets and gift vouchers for achieving annual and quarterly spend-based milestones.
- On spending ₹1.5 Lakhs in a calendar quarter, you get ₹1500 worth of vouchers from M&S, Myntra, Marriott, and Reliance Digital. You can redeem just one voucher from any merchant per quarter.
- If you spend ₹5 Lakhs, you will get ₹5,000 worth of flight vouchers.
- Spending ₹7.5 Lakhs in the card anniversary year earns you additional flight vouchers worth ₹5000.
Annual Spend-Based Waiver
You can get the card renewal fee waived on spending ₹4 Lakh in the card anniversary year.
Insurance Benefits
- You get an accidental air death cover up to ₹1 Crore
- You can get an emergency hospitalization cover up to ₹15 Lakhs
- Get credit liability cover worth ₹9 Lakhs
HDFC Bank Regalia Gold Credit Card Eligibility
You should thoroughly review the eligibility requirements of any credit card before applying for it. The following are the age and income requirements for the Regalia Gold credit card.
| Particulars | Self-Employed People | Salaried |
| Age | 21 to 65 Years | 21 to 60 Years |
| Income | Annual Income ₹18 Lakh | Minimum ₹1 Lakh Monthly |
In addition to these requirements, you must have a good credit score and credit history to be approved for the credit card.
Who Should Apply for the Credit Card?
This is one of the best HDFC Bank credit cards in the rewards and travel categories. It suits high spenders who use their credit card for most of their spending. This allows them to make the most of the reward points earned, which can be redeemed against various options like products/vouchers, converted to air miles, and against the Exclusive Gold Catalog.
You should get the card if you plan to spend a lot of money with it and collect reward points. The rewards can be redeemed for premium brands, travel, etc. Also, as a milestone benefit, the card offers travel vouchers instead of bonus points, and you should definitely go for the card if you travel frequently.
HDFC Bank Regalia Gold Credit Card Review
The HDFC Regalia range of cards is one of the most popular by HDFC Bank, and you get some of the best lifestyle and travel benefits with the Regalia Gold credit card. You get an exciting welcome and milestone benefits with this card, and reward points on every retail spend.
There are partner merchants on which you can earn accelerated reward points and redeem your points against cashback, flight/hotel bookings, Airmiles, or products from the Exclusive Gold Catalog. For frequent travelers, the card also offers flight vouchers on reaching spend milestones and complimentary domestic and international airport lounge access.
If you are a responsible credit card user, the Regalia Gold credit card is worth getting because of its excellent benefits and reward program. In the comments, let us know your thoughts about the new Regalia Gold credit card and whether you are willing to get it.
FAQs:
Do I get a welcome benefit with the Regalia Gold credit card?
Yes, as a welcome benefit, you will receive a complimentary membership of MMTBLACK Gold and a Swiggy One membership. To avail of the offer, you must spend ₹1 Lakh or above within 90 days of the card issuance date.
What is the reward rate on this credit card?
- You get 5 Reward Points on every spend of ₹200 on retail, including insurance, utilities, and education.
- You get accelerated 25 reward points on every spend of ₹200 on Mark and Spencer’s, Myntra, Nykaa, and Reliance Digital.
Can I get a complimentary flight ticket with this credit card?
Yes, you can get a complimentary flight ticket voucher to achieve a spend-based milestone. On spending ₹7.5 Lakhs or more in a card anniversary year, you get a complimentary flight ticket worth ₹5000. When you reach the spend milestone, the benefit will be unlocked, and you can generate the voucher code.
What are the annual fees of the Regalia Gold Credit Card?
The HDFC Regalia Gold credit card has a joining and annual fee of ₹2500 plus taxes. However, you can get an annual fee waiver if you spend ₹4 Lakhs or above in the card’s anniversary year.
38 comments
Jay
After the revision, is HDFC Regalia Gold still the best entry-level premium credit card or is there another one that’s better?
Kartik Kanwar
Boarding Edge in itself is great. So I would say Regalia Gold is still worth it.
Ayaan
@Kartik
Given that my annual credit card spend is around ₹8 lakh and I am planning a couple of international trips where airport lounge access will be useful, I am evaluating HDFC Regalia Gold vs Diners Club Privilege credit cards. As an existing customer, both cards are available to me on a Lifetime Free (LTF) basis. Which card would be the better option to maximize international lounge access and overall utility for my spend and travel profile?
Kartik Kanwar
Regalia Gold is the best choice.
Abhishek
Is the domestic lounge access available to both primary and add on card holder ??
Kartik Kanwar
Yes, add-on cardholders can access airport lounges with the card.
Shaiq Iqbal Arif
Is worth buying Gold from this card?..
Biren
My spend is mix of online and offline. Also i do travel so need something with lounge access. If not spending online my offline spending is anyways 20k per month also utilities goes for another 7k
Kartik Kanwar
See for utilities toh Airtel Axis is the goat. PhonePe HDFC seem promising but they havent fully launched yet. If your spending is above 20k and you want like spa and lounge access you should go for Mayura. You can get up to 3.33% returns doesnt matter online or offline. Plus its easy to get you can even get on card to card.
Biren
They are not offering regalia gold just offering millenia. With my spend of 5-6L which card you suggest.
Kartik Kanwar
Your spends are high, no use of Millennia. Even Regalia Gold would only be useful if you travel alot, no other value. Go for a good premium card, it is even being said that American Express will come back in September just before Diwali. So you should definitely go for American Express Platinum Travel at that point. Other than that if you elaborate on your requirements I would be able to guide better.
Biren
I have Regalia first card. How can I opt for the regalia gold. Also I spend around 6-7L/year which credit card should I hold. Currently I have sbi simplyclick, axis flipkart and hdfc regalia first
Kartik Kanwar
From time to time HDFC rolls out upgrade offers you must have gotten one till now.
Vinayak
how much reward points we get on international or foreign currency sends in HDFC Gold Regalia?
Kartik Kanwar
4 Reward Points/Rs. 150. But you shall be charged a Forex fee of 2%.
Madhav
I currently hold Millenia and wish to upgrade. Two options that I have- Regalia Gold and Diners Club. Diners Club comes LTF as of today. I have yearly spends on the current card at ~1.5 lakh and primary purpose of upgrade is to get better benefits on Smartbuy platform while not losing occasional discounts on e-commerce websites for HDFC cards. Which one to go for? Is Diners Club accepted widely like Visa and Mastercard?
Kartik Kanwar
I think its better to go for the lifetime free Diners Club Credit Card. You will have acceptability issues but that’s offline not online. So you shall be clear on that since you do want it mainly for SmartBuy and online spends.
Pramod Shankar Patil
“I want to upgrade my Regalia credit card to the Regalia Gold version. Will my existing reward points be affected or reduced after the upgrade?”
Kartik Kanwar
There wont be any monetary reductions. The points shall be adjusted and transferred.
Tina
Now that Club Vistara tier is gone spending one lakh for Swiggy One simply doesnt make any sense. HDFC has to be crazy to offer such useless membership. Even Prime I would have understood but this.
Aditya Singhania
now thats Vistara is not operational anymore, any update on what benefit is given instead of Club Vistara?
Kartik Kanwar
It shall most probably convert to a tier in Air India Flying Returns programme.
Kishan
I have got the CV Silver membership last week only, Is there any validity of memebrship or we have to follow Vistara/Air India’s tier eligibilty criteria?
Also, being getting soley this silver memebrship gives us any flight upgrade vouhcer or flight voucher?
Also, Is this gives us the access to exclusive Vistara/Air India lounges?
Ankita Parmar
Thinking of upgrading to this one.
Kartik Kanwar
Its a decent and rewarding credit card.
Nikhil
Which is the best credit card for travel in India? Is HDFC Regalia Gold better or Scapia?
Should ideally offer rewards on every flight booking, dining, fuel and other regular spends.
Vipul
You’re comparing a premium card to a forex card.
Scapia is just another Niyo Global, while HDFC Regalia Gold is a premium card that offers more than just travel benefits.
khushal
The HDFC Bank Regalia Gold Credit Card is a premium credit card offered by HDFC Bank in India. It is positioned as a high-end credit card catering to the needs of affluent customers. Here are some key features and benefits associated with the HDFC Bank Regalia Gold Credit Card:
Travel Benefits: Cardholders may enjoy various travel-related benefits such as complimentary travel insurance, fuel surcharge waiver, and discounts on flight and hotel bookings. Book now by aaehalo
Welcome Benefits: Typically, new cardholders are offered welcome benefits such as bonus reward points, vouchers, or discounts on joining fees.
Reward Points: The card usually offers reward points for every transaction made using the card. These points can be redeemed for a variety of rewards including vouchers, merchandise, or even cashback.
Lifestyle Benefits: HDFC Bank Regalia Gold Credit Card often provides lifestyle benefits such as complimentary access to airport lounges, concierge services, golf privileges, and exclusive dining and hotel offers.
Jay Jaiswal
Absolutely loving my HDFC Bank Regalia Gold Credit Card! The benefits are unmatched rewards, exclusive discounts, and top-notch service. From travel perks to lifestyle privileges, this card has it all. If you’re looking for a credit card that goes beyond expectations, this is the one. Highly recommend it to anyone who wants to elevate their financial game.
Kartik Kanwar
The Regalia Credit Card Series by HDFC Bank is quite popular.
Neha
Are there any special offers or discounts for booking flights or hotels with this card?
Shivam Singh
I had 4186 reward points in Millenia’s credit card, which had a value of 1 Rs per reward point, after upgrading the credit card to Regalia Gold. My value of initial points to be redeemed against cash is degraded to just Rs 837 instead of Rs. 4186 why?
Kartik Kanwar
Because the value of 1 Reward Point = 1 Rs for cash redemption in Millennia CC. Whereas for Regalia Gold the value of 1 Reward Point = Rs. 0.20 for cash redemption. So you got the right amount. You can check the above given conversions for more information.
Kartik Kanwar
Yes, you can redeem Reward Points for flights and hotels through SmartBuy.
Anjali Nambian
I had a question regarding educational fees payment on this card. My son’s educational fees is paid via SBI collect which charges more than 1-1.5% if paid via credit cards. Does Regalia Gold or any other credit cards in the market still provide any cashback or rewards on these fees? If not ,will use Netbanking option only
Kartik Kanwar
Will if you are looking for a premium credit card. Then go with the Yes Bank Marquee Credit Card it would offer you reward points for educational spends also along with others.
Sandeep Chhabra
Want to Apply HDFC Regallia Credit card
Kartik Kanwar
Click on the Apply Now button appearing on the screen. You shall be taken to the official HDFC Credit Card Application page. There you just have to fill in your details and submit your application.