HDFC Regalia Gold

by HDFC • Visa

Complete Benefits & FAQs

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“Mid-tier premium HDFC card. May 2026 changes: reward rate reduced from 4 RP/₹150 (1.73%) to 5 RP/₹200 (1.625%) - approximately 6% drop. Domestic lounge access now requires ₹60K quarterly spend (3 per quarter vs previous 12 per year). New Boarding Edge benefit adds 2 quarterly travel perks (spa/Uber/dining/room upgrades). DCC fee introduced at 1.75%. Card reissuance fee now ₹199. Redemption value is lower than Diners Club Black Metal (₹0.50 vs ₹1.00 for flights). Has a unique Gold Catalogue at ₹0.65/RP. Good milestone structure with ₹10K flight vouchers for ₹7.5L annual spend. Quarterly ₹1.5K Myntra/Nykaa vouchers are a nice bonus. Priority Pass in India costs money — only free at domestic lounges using the card itself. Separate eligibility for Govt vs Non-Govt salaried employees.”

Fee Waiver: Check HDFC Bank fees schedule for waiver criteria

Best suited for

🎯 Mid-to-high spenders wanting milestone flight vouchers🎯 Online shoppers (5X on Myntra, Nykaa, Reliance Digital)🎯 Travelers needing domestic + international lounge access🎯 Users wanting Swiggy One and MMT Black Gold memberships

Welcome & Onboarding Perks

•Complimentary Swiggy One membership — on ₹1,00,000 spends within first 90 days of card issuance
•Complimentary MMT Black Gold membership — on ₹1,00,000 spends within first 90 days of card issuance

Spend Milestone Rewards

🎯 Spend: ₹5,00,000 in a year₹5,000 worth flight vouchers
🎯 Spend: ₹7,50,000 in a year₹5,000 worth flight vouchers (additional)
Total ₹10,000 in flight vouchers if both milestones hit
🎯 Spend: ₹1,50,000 in a calendar quarter₹1,500 worth Myntra/Nykaa vouchers
Quarterly milestone — available every quarter

Airport Lounge Privileges

Domestic3 complimentary accesses per quarter within India (at domestic and international terminals) using HDFC Bank Regalia Gold Credit Card directly

International6 complimentary lounge accesses per calendar year outside India via Priority Pass (shared between primary and add-on members)

Total Lounges1,000+ airports

Dining Offers

•Dining Privileges via Good Food Trail Program
•Up to 10% discount on partner restaurants via Swiggy Dineout

Lifestyle Benefits

✓24x7 exclusive Concierge services via phone (1800 1600/1800 2600) or email
✓Complimentary Swiggy One and MMT Black Gold membership (welcome benefit)

Reward Rates

SmartBuy Spends

up to 8.7%

Myntra, Nykaa, Reliance Digital and more

up to 8.7%

All Retail Spends (Base Rate)

up to 1.6%

Reward Exclusions

No Rewards On:

•Fuel spends
•EasyEMI transactions
•E-wallet loading
•Rent payments and government related transactions

Surcharges & Waivers

Forex Markup2% on all foreign currency spends

Fuel Surcharge Waiver

Waiver %1%

Cap / cycleNo cap

Eligibility Requirements

Salaried

AgeMinimum 21 years, Maximum 60 years

Self-Employed / Business

AgeMinimum 21 years, Maximum 65 years

IncomeITR > ₹18,00,000 per annum

Key Highlights

✓EMI conversion facility (SmartEMI)

✓Add-on cards available

✓Contactless payments enabled

✓Revolving credit at nominal interest rate

✓24x7 Concierge services

Frequently Asked Questions

Ready to apply for HDFC Regalia Gold?

Annual fee: ₹2,500 + GST

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