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HDFC Regalia Gold Credit Card
HDFC Bank

HDFC Regalia Gold Credit Card

Premium travel card with SmartBuy boosts and Priority Pass

Joining fee₹2,500 + GST
Annual fee₹2,500 + GST
NetworkVisa
Forex markup2%
LoungeYes
Best forTravel
Apply on issuer site Compare
Details checked October 2026

01Rewards

Retail spends5 Reward Points per ₹200 (revised from 4 per ₹150 on 15 May 2026)
Myntra, Nykaa, Marks & Spencer, Reliance Digital25 RP per ₹200, capped at 5,000 RP/month
SmartBuy hotels / flights10X / 5X, capped at 4,000 RP/month

Redemption: ₹0.50/point on SmartBuy flights & hotels, ₹0.65 on the Gold catalogue, ~₹0.20 as statement credit.

02Fees, benefits & charges

Fee waiver
Renewal waived on ₹4 lakh annual spend
Welcome benefit
Vouchers worth ₹2,500 on ₹1 lakh spend within 90 days
Milestones
₹1,500 voucher per quarter on ₹1.5 lakh spend; ₹5,000 flight voucher at ₹5 lakh annual spend (and at ₹7.5 lakh)
Airport lounges
12 domestic visits/year (3/quarter on ₹60,000 prior-quarter spend, from 1 Jul 2026) + 6 international via Priority Pass
Forex markup
2% (+1.75% DCC on INR-billed foreign merchants)
Fuel
No rewards on fuel
No rewards on
Gaming; insurance capped at 2,000 RP/month; 1% fee on rent, wallet loads and large utility payments

03Highlights & watch-outs

Highlights

  • 6 international Priority Pass visits with no spend condition
  • New “Boarding Edge” perks each quarter
  • Strong quarterly voucher milestones

Watch out for

  • Domestic lounge now needs ₹60,000 per quarter
  • Base earn cut in May 2026
  • Best value only via SmartBuy

Suits: Mid-to-high spenders (₹1.5 lakh+/month income) who fly a few times a year.

04FAQs

What is the annual fee of the HDFC Regalia Gold Credit Card?
The annual fee is ₹2,500 + GST, and the joining fee is ₹2,500 + GST. Renewal waived on ₹4 lakh annual spend
Does the HDFC Regalia Gold Credit Card offer airport lounge access?
12 domestic visits/year (3/quarter on ₹60,000 prior-quarter spend, from 1 Jul 2026) + 6 international via Priority Pass
What is the forex markup on the HDFC Regalia Gold Credit Card?
The foreign currency markup is 2% (+1.75% DCC on INR-billed foreign merchants).
Which spends don’t earn rewards on the HDFC Regalia Gold Credit Card?
Gaming; insurance capped at 2,000 RP/month; 1% fee on rent, wallet loads and large utility payments.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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HDFC Regalia Gold₹2,500 + GST
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