HDFC Regalia Gold Credit Card Review

At a Glance

Joining Fee	₹2,500 + GST (₹2,950 all in)
Annual Fee	₹2,500 + GST, waived on spends of ₹4 lakh in the year
Best Suited For	Spenders of ₹4 lakh or more a year who redeem on SmartBuy and use Swiggy, MakeMyTrip, Myntra or Nykaa
Reward Type	Reward Points, worth up to ₹0.65 each in HDFC’s Gold catalogue

The HDFC Regalia Gold is a mid-premium rewards card that pays you back in two ways: a base earn of 5 Reward Points per ₹200, and a pile of spend-linked vouchers that kick in at ₹1.5 lakh a quarter and ₹5 lakh a year. Joining costs ₹2,950 with GST.

If you cross ₹4 lakh of annual spend, the renewal fee goes away and the card starts to look like a good deal. If you spend less, the lounge and voucher benefits are hard to unlock and the fee is just a cost.

Rewards & Benefits

Reward rate and earn structure

Spend category	Earn rate	Cap
Retail spends	5 Reward Points per ₹200	50,000 Reward Points per statement cycle
Myntra, Nykaa, Reliance Digital and other select brands	5X Reward Points	Counts within the 50,000 points cycle ceiling
Flights and hotels on SmartBuy	Up to 10X Reward Points	Counts within the 50,000 points cycle ceiling
Instant Vouchers on SmartBuy	5X Reward Points	Counts within the 50,000 points cycle ceiling
Insurance spends	Standard earn	2,000 Reward Points per month

Points are earned in blocks of ₹200, so a ₹390 purchase earns on ₹200 only. Online skill-based gaming earns nothing, and HDFC charges a 1% fee on utility spends above ₹50,000 and fuel spends above ₹15,000 in a month.

Redemption and point value

Redeem for	Value of 1 Reward Point
Exclusive Gold catalogue	₹0.65
Flights and hotels	₹0.50
Airmiles conversion	Up to 0.5 airmile
Products and vouchers	Up to ₹0.35
Statement balance	Page lists ₹0.15 in one place and ₹0.20 in another

The arithmetic: 5 points per ₹200 at ₹0.65 each is ₹3.25 back on ₹200, or 1.63%. On flights and hotels at ₹0.50 it is 1.25%.

Flights and hotels can be paid up to 70% with points. Each catalogue redemption request costs ₹99 + GST, and a cashback redemption costs ₹50 + GST, so batch your redemptions instead of doing many small ones.

Welcome and milestone benefits

Trigger	Benefit
₹1 lakh spent in the first 90 days	Swiggy One and MakeMyTrip Black Gold memberships
₹1.5 lakh spent in a quarter	₹1,500 Myntra or Nykaa voucher
₹5 lakh spent in the year	₹5,000 flight vouchers
₹7.5 lakh spent in the year	A further ₹5,000 flight vouchers

Unlocked milestone vouchers stay valid for 60 days, so claim them as soon as they appear on SmartBuy.

At the top end, ₹7.5 lakh of spend returns ₹10,000 in flight vouchers, which is 1.33% on top of the points.

Travel, dining and lounge access

Benefit	Allowance
Domestic lounge visits	3 per calendar quarter, if you spent ₹60,000 or more in the previous quarter
International lounge visits	6 per calendar year through Priority Pass
Boarding Edge (spa, buffet, room upgrade, airport transfer)	Any 2 per calendar quarter, by uploading your boarding pass on SmartBuy
Dining	Up to 10% off at partner restaurants through Swiggy Dineout

You have to ask for the Priority Pass by phone banking, and you need at least 4 transactions on the card first. Visits beyond the free limit are charged at $27 plus taxes per person.

Insurance cover	Amount
Accidental air death	₹1 crore
Emergency overseas hospitalisation	Up to ₹15 lakh
Credit liability	Up to ₹9 lakh

Fees & Charges

Charge	Amount
Joining and annual fee	₹2,500 + GST (₹2,950 all in)
Annual fee waiver	Spends of ₹4 lakh in the year
Foreign currency markup	2%
Interest on unpaid balance	3.75% per month (45% a year)
Cash advance	2.5% or ₹500, whichever is higher, plus interest from day one
Late payment	Nil up to ₹100 due, then ₹100 to ₹1,300 by balance slab
Add-on card	Free for life
Interest-free period	Up to 50 days

To get the waiver you need ₹4 lakh in a year, which is about ₹33,000 a month.

Since the milestone vouchers start at ₹1.5 lakh a quarter, a household that routes groceries, dining, shopping and travel through this card gets there without forcing spends.

Rent, wallet loads and education payments through third party apps carry their own 1% fees, so keep them off this card.

The charge that catches people out is the lounge allowance. The 3 domestic visits a quarter depend on spending ₹60,000 in the quarter before, so a thin quarter means no lounge next quarter.

Eligibility & Documents Required

Criteria	Salaried	Self-employed
Age	21 to 60 years	21 to 65 years
Income	Net monthly income above ₹1.5 lakh (₹1 lakh for government employees)	ITR above ₹18 lakh a year

You need an identity proof (Aadhaar, PAN, passport, voter ID or driving licence), an address proof, and income proof such as salary slips, Form 16, ITR or bank statements. Photographs are also required.

Pros & Cons

Pros	Cons
Up to ₹10,000 in flight vouchers on ₹7.5 lakh spends	Lounge visits depend on the previous quarter’s spend
₹0.65 per point in the Gold catalogue	₹99 + GST on every catalogue redemption
Fee waived at ₹4 lakh, add-on cards free	Income bar of ₹1.5 lakh a month for private salaried

Regalia Gold vs Competitors

Within HDFC, the HDFC Regalia Credit Card is the older sibling with a fee of the same ₹2,500 and a waiver at ₹3 lakh a year.

Outside HDFC, travel-focused cards such as the Axis Bank Atlas and the SBI Card Elite compete for the same spender, and which is better depends on whether you value airline miles or SmartBuy vouchers. Compare the fee waiver and the lounge conditions on each issuer’s own page before you decide.

How to Apply

Apply on HDFC’s website with your phone number and date of birth or PAN, confirm your details and submit. HDFC may ask for documents and a video KYC.

You can also apply through NetBanking under the Cards tab if you are an existing customer, or at a branch. After the card arrives, spend ₹1 lakh in the first 90 days to unlock the welcome memberships.

Frequently Asked Questions

What is the HDFC Regalia Gold annual fee?
₹2,500 plus GST, which is ₹2,950 all in. It is waived if you spend ₹4 lakh in the year.

How many lounge visits does the Regalia Gold give?
3 domestic visits per calendar quarter and 6 international visits a year through Priority Pass. The domestic visits need ₹60,000 of spends in the previous quarter.

What is the minimum salary for the Regalia Gold?
A net monthly income above ₹1.5 lakh for non-government salaried applicants and above ₹1 lakh for government employees. Self-employed applicants need an ITR above ₹18 lakh.

How many Reward Points does the Regalia Gold earn?
5 points per ₹200 on retail spends, with a ceiling of 50,000 points per statement cycle.

What is the forex markup on the Regalia Gold?
2% on foreign currency transactions, as listed on HDFC’s product page and its fee table.

Is there a welcome benefit?
Yes. Spend ₹1 lakh in the first 90 days to get Swiggy One and MakeMyTrip Black Gold memberships.

Bottom Line

Get the Regalia Gold if you spend ₹4 lakh or more a year, redeem on SmartBuy or the Gold catalogue, and can use the Swiggy, MakeMyTrip, Myntra and Nykaa benefits.

At that level the fee is waived, the card returns about 1.6% in points, and the milestone vouchers add more on top.

Skip it if you spend under ₹2 lakh a year, want cashback, or need unconditional lounge access. At low spends you pay ₹2,950 and unlock almost nothing, and cashback redemption is the weakest way to use the points.