HDFC Regalia Gold Credit Card


HDFC Regalia Gold Credit Card is a premium offering designed for those who seek luxury and exclusive benefits. You can enjoy complimentary memberships, such as Swiggy One and MMT Black Elite, upon meeting specific spending criteria. Additionally, the card provides 12 complimentary domestic lounge accesses annually, ensuring your travels are comfortable and convenient.

Continue reading to learn more about the features and determine which best suits your needs


You can earn 4 Reward Points for every ₹150 you spend on all purchases. Additionally, when you shop at partner brands like Nykaa, Myntra, Marks & Spencer, and Reliance Digital, you can earn an impressive 20 Reward Points for every ₹150 spent.

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Table of Contents:

HDFC Regalia Credit Card

The HDFC Regalia Credit Card provides rewards, travel perks, and access to airport lounges. It is tailored for individuals who frequently spend on travel, shopping, and dining.

Compare HDFC Regalia & Regalia Gold Credit Card

Let us look at the key features of the HDFC Gold Regalia and the HDFC Regalia Credit Card to help you choose the right one :

Feature HDFC Regalia Gold Credit Card HDFC Regalia Credit Card
Reward Points Earn 4 Reward Points per ₹150 spent on all categories.
Accelerated 20 Reward Points per ₹150 spent at partner brands like Nykaa, Myntra, Marks & Spencer, and Reliance Digital.		 Earn 4 Reward Points per ₹150 spent on all retail transactions.
Bonus Rewards Quarterly: ₹1,500 worth vouchers on spending ₹1.5 lakh per quarter.
Annual: ₹5,000 flight vouchers on spending ₹5 lakh annually; additional ₹5,000 flight vouchers on spending ₹7.5 lakh annually.		 Annual: 10,000 Reward Points on spending ₹5 lakh in an anniversary year; additional 5,000 Reward Points on spending ₹8 lakh in the same period.
Welcome Benefits Complimentary Club Vistara Silver Tier Membership.
Complimentary MMT Black Elite Membership.
Gift voucher worth ₹2,500 upon payment of joining fee.		 2,500 Reward Points as a welcome benefit upon payment of the joining fee.
Fuel Surcharge Waiver Not specified. 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations in India.
Contactless Payments Enabled for contactless payments, facilitating fast, convenient, and secure transactions at retail outlets. Enabled for contactless payments, facilitating fast, convenient, and secure transactions at retail outlets.

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Eligibility Criteria for HDFC Regalia Gold Credit Card

For Salaried (Non-Government Employees):

Age: 21 to 60 years

Minimum Monthly Income: ₹1,50,000

For Self-Employed (Non-Government Professionals & Business Owners):

Age: 21 to 65 years

Minimum Annual Income (as per ITR): ₹18 Lakhs

For Salaried (Government Employees):

Age: 21 to 60 years

Minimum Monthly Income: ₹1,00,000

HDFC Regalia Gold Credit Card Benefits

Let us look at the advantages that come with the HDFC Regalia Gold Credit Card:

  • Complimentary Club Vistara Silver Tier and MakeMyTrip Black Elite Membership as a welcome perk.
  • ₹2,500 gift voucher upon payment of the joining fee.
  • Quarterly milestone rewards – Get ₹1,500 worth of vouchers on spending ₹1.5 lakh per quarter.
  • Annual milestone rewards – Get ₹5,000 flight vouchers on spending ₹5 lakh annually and an additional ₹5,000 voucher on spending ₹7.5 lakh annually.
  • Earn 4 Reward Points per ₹150 spent on all categories, including insurance, utilities, and education.
  • Earn 20X Reward Points per ₹150 spent at partner brands like Nykaa, Myntra, Marks & Spencer, and Reliance Digital.
  • Lounge access benefits – 12 complimentary domestic lounge visits per year and 6 complimentary international lounge visits per year via Priority Pass (after 4 retail transactions).
  • Foreign transaction charges – 2% markup fee on all international spends.
  • Zero lost card liability – No responsibility for fraudulent transactions if reported immediately.
  • EMI conversion – Convert high-value transactions into easy EMIs.
  • Contactless payments – Secure payments up to ₹5,000 without requiring a PIN.
  • Insurance coverage – ₹1 crore accidental air death insurance, up to ₹15 lakh emergency medical coverage abroad, and credit liability cover up to ₹9 lakh.

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HDFC Regalia Gold Credit Card Fees

Let us look at the fees associated with the HDFC Regalia Gold credit card:

Particulars Amount
Joining Fee ₹2,500 + Taxes
Annual Fee ₹2,500 + Taxes
Finance Charges 3.75% per month (45% per annum)
Cash Withdrawal Fee 2.5% of the withdrawn amount or ₹500 (whichever is higher)
Rewards Redemption Fee No charges (Nil)

HDFC Regalia Gold Credit Card Late Payment Charges

Statement Balance Late Payment Fee
Up to ₹100 No charges (Nil)
₹101 to ₹500 ₹100
₹501 to ₹1,000 ₹500
₹1,001 to ₹5,000 ₹600
₹5,001 to ₹10,000 ₹750

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Steps to Apply for HDFC Regalia Gold Credit Card

Follow these steps to apply for the HDFC Regalia Gold credit card easily :

  1. Visit the HDFC Bank website.
  2. Click on the "PAY" option in the menu.
    3. Visit the HDFC Bank website and explore PAY section
  3. Select "CARDS" from the dropdown and then choose "CREDIT CARD."
    4. Explore HDFC Bank Credit Cards for exclusive benefits
  4. Scroll down to find the "EVERYDAY REWARD CREDIT CARD" section.
    5. Discover HDFC Everyday Reward Credit Card benefits
  5. Locate the HDFC Regalia Gold Credit Card in this section.
    6. Explore HDFC Regalia Gold Credit Card benefits & rewards
  6. Click on "Apply Online" to start your application process.

This version is clear, structured, and easy to follow. Let me know if you need any changes!

Credit Cards Similar to HDFC Regalia Gold

Exploring credit cards similar to HDFC Regalia Gold can help you discover competitive alternatives that offer comparable benefits, rewards, and the features customized to improve your spending experience:

Credit Card Name Annual Fee Rewards IndusInd Bank Legend Credit Card Nil
  • 1 Reward Point per ₹100 spent on weekdays
  • 2 Reward Points per ₹100 spent on weekends
  • 4,000 bonus Reward Points on spending ₹6,00,000 or more within a year
SBI Card ELITE ₹4,999 5X Reward Points on dining, departmental stores, and grocery purchases Axis Bank Privilege Credit Card ₹1,500 10 Reward Points per ₹200 spent ICICI Bank Sapphiro Credit Card ₹3,500 Up to 4 PAYBACK Points for every ₹100 spent Axis Bank Select Credit Card ₹3,000 10 Axis EDGE Reward Points per ₹200 spent

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Frequently Asked Questions

It offers premium lounge access, accelerated rewards, travel benefits, dining discounts, and insurance coverage.

You can apply online via the HDFC Bank website or visit the nearest branch with necessary documents.

The annual fee is ₹2,500 + GST, which can be waived based on annual spending.

The limit varies based on income and creditworthiness, typically ranging from ₹1 lakh to ₹5 lakh or more.

Earn reward points on every spend, which can be redeemed for travel, shopping, vouchers, and air miles.

Applicants must have a stable income, a good credit score, and meet HDFC’s income criteria.

Yes, reward points can be converted into air miles with partner airlines.

The interest rate is typically around 3.6% per month (43.2% annually).

Points can be redeemed through the HDFC SmartBuy portal for travel, shopping, and vouchers.

Yes, it offers travel insurance, air accident coverage, and fraud protection.

Yes, it provides complimentary domestic and international airport lounge access.

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