HDFC Bank Regalia Gold Credit Card
A travel points card: 5 points per ₹200, six international lounge visits a year through Priority Pass, spend-gated domestic lounges, a 2% forex markup; ₹2,500 a year, waived at ₹4 lakh. Every figure below is copied from HDFC Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹2,500 plus GST Fee schedule |
|---|---|
| Annual fee | ₹2,500 plus GST Fee schedule |
| Annual fee waiver | On ₹4,00,000 of spend in the card anniversary year Fee schedule |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 2% of the transaction, plus GST Fee schedule |
| Reward redemption fee | ₹99 plus GST Fee schedule |
Rewards
Reward points, ₹0.50 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Grocery | 5 points per ₹200 Product page | up to 2,000 points a month Terms |
| Utility and telecom | 5 points per ₹200 Product page | up to 2,000 points a month MITC |
| Insurance | 5 points per ₹200 Product page | up to 2,000 points a month Terms |
| Retail spends | 5 points per ₹200 Product page | no cap on record |
Not modelled, because the terms do not state the resulting rate: 5X at Myntra, Nykaa, Reliance Digital and Marks & Spencer (bonus capped at 5,000 points a month) and up to 10X on SmartBuy travel. Total points are capped at 50,000 a statement cycle.
No rewards on
Benefits
- Lounges: 6 international lounge visits a year through Priority Pass; 3 domestic visits a calendar quarter after ₹60,000 of spend in the previous quarter Product page
- Welcome: Swiggy One and MMT Black memberships for a year on ₹1 lakh of retail spend in the first 90 days Terms
- Milestone: ₹1,500 voucher (Myntra, Nykaa, Reliance Digital or Marriott) each calendar quarter with ₹1.5 lakh of retail spend Terms
- Milestone: A flight ticket worth ₹5,000 at ₹7.5 lakh of retail spend in the card anniversary year Terms
Eligibility
- Age 21 or above Product page
- Salaried: age 60 or below Product page
- Self-employed: age 65 or below Product page
- Salaried, government: net monthly income above ₹1 lakh Product page
- Salaried, other employers: net monthly income above ₹1.5 lakh Product page
- Self-employed: income tax return above ₹18 lakh a year Product page
Not published by HDFC Bank in the documents read
- the card network
- a RuPay variant for UPI
Where HDFC Bank’s documents differ, and what is used
- Statement-credit value: one part of the product page says ₹0.20 a point; the redemption table, the redemption terms and the MITC say ₹0.15.
- Flight voucher: the product page says vouchers at ₹5 lakh and ₹7.5 lakh; the milestone terms give one ₹5,000 ticket at ₹7.5 lakh, which is used.
The quotes behind the figures
33 figures, each copied from an official HDFC Bank document.
Show every quote and source
“Joining Fee: ₹2500 plus Applicable Taxes”
“Renewal Fee: ₹2500 plus Applicable Taxes”
“Fee Waiver : Retail spends of ₹4 lakh within 12 billing cycles of your anniversary year to enjoy a waiver on the renewal fee for the following year.”
“The foreign currency markup for the HDFC Bank Regalia Gold Credit Card is 2% on all foreign currency spends.”
“Flights and hotel bookings via SmartBuy at a value of 1 RP = Rs 0.5”
“5 Reward Points on every Rs. 200 spent (On retail spends)”
“Reward points earned on grocery transaction will be capped at 2000 RP per calendar month”
“Reward Points earned on Utility transactions will be capped at 2000 Reward Points per calendar month.”
“Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per month”
“Earn 5 Reward Points for every ₹200 spent on eligible categories. (Effective 15th May, 2026)”
“Minimum transaction value to be eligible for offer or reward points is Rs. 200.”
“2. Reward points will not be accrued for fuel transactions”
“EasyEMI and e-wallet loading transactions will not accrue Reward points.”
“Reward points will not be accrued for rental pay transactions, property management services like rent, maintenance, packers &movers, etc and government transactions”
“Education payments made through third- party apps like (but not limited to) CRED, Cheq, MobiKwik, etc will not earn Reward Points.”
“5X Reward Points is applicable on spends at select merchants – Myntra, Nykaa, Reliance Digital, Marks & Spencer.”
“Upto 10X rewards on Hotels and Flight bookings”
“The redemption against the statement balance will be at the rate of 1 RP = 0.15”
“The maximum reward points that can be earned in a statement cycle for Regalia Gold is 50,000.”
“BizBlack Metal Card ₹7.5 Lakh / Annum Fuel Surcharge waiver Not Applicable Regalia Gold ₹ 2,500 ₹4 Lakh / Annum”
“6 Complimentary Lounge Access per calendar year outside India using Priority Pass”
“The HDFC Bank Regalia Gold Credit Card has a rewards redemption fee of ₹99 plus applicable taxes per redemption request.”
“3 Lounge visits within India per calendar quarter on spends of ₹60,000 or more in the preceding calendar quarter using the HDFC Bank Regalia Gold Credit Card.”
“All Regalia Gold card members can avail Complimentary Annual Memberships of Swiggy One & MMT Black Membership on achieving net retail spends of Rs 1 lakh within first 90 days of card issuance.”
“voucher from Myntra, Nykaa, Reliance Digital or Marriott worth Rs. 1,500 provided your net retail spends of Rs. 1,50,000 in a calendar quarter.”
“All Regalia Gold card members can avail one COMPLIMENTARY FLIGHT TICKET worth Rs. 5000 provided your net retail spends of Rs. 7,50,000 in a card anniversary year.”
“Popular Regalia Gold Credit Card”
“Age: Min 21 years & Max 60 Years”
“Age: Min 21 years & Max 65 Years”
“Net Monthly Income> Rs 1,00,000 (For Govt.)”
“Net Monthly Income> Rs 1,50,000 (For Non Govt.)”
“Income: ITR > Rs 18 Lakhs per annum”
“You can apply for the Regalia Gold Credit Card online on our website.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with HDFC Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is HDFC Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology