HDFC Regalia Gold Credit Card
HDFC · VISA★ 4.5/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹2,500 in vouchers, points or cashback on card activation
5% on Travel
5% value on travel
2% on International
2% on international spends
Airport Lounge Access
24 domestic + international lounge visits/year (domestic spend-gated ₹60K/quarter from 2026)
Annual Fee Waiver
Fee of ₹2,500/yr fully waived when you spend ₹3,00,000/year
Milestone Bonus
~₹5,000 in bonus rewards on hitting annual spend milestones
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
✓
Domestic lounges
✓
International lounges
₹15,000
Estimated annual value
2%
Forex markup
5.0%
Travel reward rate
- Domestic + international airport lounge access (worth ~₹15,000/yr)
- 5.0% effective return on travel bookings
- Low forex markup: 2.0%
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹5,000
Milestone bonus value
- ₹5,000 gift voucher on ₹5L annual spend
Rajesh earns ₹1.5L/month and travels domestically twice a quarter. HDFC Regalia Gold earns him 4 reward points per ₹150 on every spend — worth ₹0.50 each via SmartBuy. His ₹18L annual spend generates roughly ₹24,000 in reward value. The 24 domestic lounge visits per year (6 per quarter) mean he never queues at airport check-in, and the ₹3L fee waiver threshold is comfortably cleared every year.
Who is this for?
The card for salaried professionals spending ₹1.5L–3L/month who travel domestically twice or more per quarter. The 24 free lounge visits alone save ₹12,000+ annually if you actually use them. The 2% forex markup makes it decent for occasional international trips too.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.30 (up to ₹1.00 via best route). How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | reward points | 5% | — |
| International | reward points | 2% | — |
| Other | reward points | 1.33% | — |
Travel: 5% value on travel
International: 2% on international spends
Other: 4X reward points on all spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
₹5,000 gift voucher on ₹5L annual spend
24 domestic + international lounge visits/year (domestic spend-gated ₹60K/quarter from 2026)
Should you get it?
- Best for: Domestic frequent flyer (2+ trips/month), Salaried professional ₹1L–3L/month, Wants lounge access without invitation-only requirement, Reliable all-around card for HDFC customers
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Travel (5% back).
- Frequent travellers benefit from the included airport lounge access.
Pros
- 4 reward points per ₹150 on all spends — consistent earn with no blackout categories
- 24 domestic lounge visits per year (6/quarter) — covers weekly flyers without Priority Pass complexity
- 2% forex markup — a fair rate for a premium card
- Annual fee waived at ₹3L spend — achievable for the card's target income segment
Cons
- Points worth less than Infinia — 33 paisa per point vs Infinia's 100 paisa/point at SmartBuy
- No unlimited international lounge access — international travellers should consider Infinia
- Reward portal redemption required for best value — statement credit gives lower return
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your hdfc reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard catalogue & cashback
Up to ₹0.50/pt on travel via SmartBuy
Premium cards (Infinia/Diners Black) — best value
✈ TRANSFER PARTNERS
The concern
Point value tops out around 50p via SmartBuy — without using HDFC's portal, the effective return drops to unremarkable levels.
Bottomline
CardAdvisor Rating: 4.5 / 5Regalia Gold is HDFC's workhorse premium card — generous lounge quota, fair earn rate, achievable fee waiver. It is rarely anyone's dream card and very often their correct one.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the HDFC Regalia Gold Credit Card are taken from HDFC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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Read more
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