Card Details · CardCheck

Key Benefits

4 Reward Points per ₹150 on eligible retail spends

5X Reward Points on SmartBuy flight and hotel bookings

Complimentary domestic and international lounge access via Priority Pass & DreamFolks

Complimentary Club Vistara Silver and MMT Black memberships on eligible spends

₹1,500 flight voucher on quarterly spends of ₹1.5 lakh

Annual fee waiver on ₹4 lakh annual spends

Low forex markup fee of 2% on international transaction

Rewards

Earning rates across spend categories

Reward rate information not available.

Fees & Charges

Annual fee waived on spends of ₹400,000

Joining Fee	₹2,500 + GST
Annual Fee	₹2,500 + GST
Annual Fee Waiver	Available
Late Payment Fee	1300.00%
Foreign Currency Markup	2.00%
Cash Advance Fee	2.50%

About this Card

The HDFC Bank Regalia Gold Credit Card is a premium lifestyle card for frequent travellers. It earns 4 reward points per ₹150 on retail spends (redeemable via SmartBuy)

Exclusions

Reward Points not eligible for fuel spends, cash advances, payment of outstanding balances, card fees and other charges

Tips & Reviews

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Eligibility

Min. Income₹100,000/month

Min. Credit Score750+

Min. Age21 years

Max. Age65 years

SalariedSelf-EmployedProfessional

Income requirement may vary
Credit limit offered depends on your credit profile and relationship with the bank.

Pros & Cons

PROS

Strong all-round premium travel and lifestyle card
Good balance of rewards, lounge access, and travel perks
SmartBuy significantly boosts reward earning potential
Lower forex markup than many HDFC mid-premium cards
Complimentary memberships add good lifestyle value
Flight vouchers improve effective reward rate for high spenders
Better acceptance than Diners Club cards due to Visa variant
Good entry-level premium card for frequent travelers

CONS

Reward redemption value depends heavily on SmartBuy usage
Annual fee waiver threshold is relatively high
Lounge access now has spend-based eligibility conditions
Base reward rate outside accelerated spends is average
Reward exclusions are extensive on categories like rent and wallet loads
Not as rewarding as premium cards like Infinia or Magnus for high spenders
Travel benefits are weaker compared to super-premium cards
Annual fee may not justify value for low-to-moderate spenders

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Last updated: 10 Jul 2026