HDFC Regalia Gold Credit Card

Joining Benefits:

• Pay your Joining Membership Fee and get Gift Voucher equivalent to Fee Amount  = Rs.2,500
• Complimentary Swiggy One and MMT Black Gold Membership when you spend Rs. 1 Lakhs and above within 90 days of card issuance. (w.e.f 1st Nov’24 Swiggy One replaces Club Vistara Silver Tier).

Renewal Benefits:

• No Renewal Benefit

• Base Rewards: Earn 4 Reward Points on every Rs.150  retail spends including Insurance, Utilities and Education​ (Equivalent to a valueback of 1.33% to 2.66% across the categories).
• Accelerated Rewards: Earn 20 Reward Points on every Rs.150  retail spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa (Equivalent to a valueback of 6.65% to 13.3%).
• HDFC SmartBuy: Spend via HDFC Bank’s SmartBuy portal and get upto 10x Reward Points on
  • 10x Reward Points (13.33 to 26.66% valueback): Pharmeasy, Jockey, IGP.com , Hotel bookings
  • 5x Reward Points (6.65% to 13.33% valueback): Flights, Bus Tickets, Myntra (excludes gold and imported items), Nykaa,  Zoom Car, Apple products, Giftcards of popular brands and e-commerce sites, MakeMytrip Holiday Packages.
  • 3x Reward Points (4% to 8%): Train tickets booking
  • Limits: Accelerated Reward Points through SmartBuy have limits of 4,000 points per calendar month and 2,000 points per day. There is no special limit on base reward points for SmartBuy (maximum 50,000 overall base reward points SmartBuy and non-SmartBuy per monthly statement cycle).
• Reward Points Validity: 2 years from the date of accrual of each reward point
• Milestone Benefits:
  • Get Rs.1,500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend Rs. 1.5 Lakhs in every calendar quarter.
  • Get Rs.5,000 worth flight vouchers when you spend Rs. 5 Lakhs spends in an anniversary year
  • Get additional Rs.5,000 worth flight vouchers when you spend Rs. 7.5 Lakhs spends in an anniversary year
• Dining Discount: Flat Rs.200 discount on order of Rs.2,000 or more (once in a month) on Restaurent Payments through Swiggy Dineout App

• Airport Lounge Access
  • Domestic Airports: 12 complimentary access within India (both at domestic and international terminals) using the HDFC Bank Regalia Gold Credit Card.
  • International Airports: Primary and add-on members can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. Free Priority Passes are provided to both primary and add-on card members.
• Complimentary Insurances
  • Accidental air death cover worth Rs. 1 Crore (USD 125,000)
  • Emergency overseas hospitalization: up to Rs. 15 lakhs (USD 18,750)
  • Credit Liability cover: Up to Rs. 9 Lakhs

1% fuel surcharge waiver at all fuel stations across India

(on minimum transaction of Rs.400 & maximum transaction of Rs.5,000. Maximum waiver of Rs.250 per statement cycle)

3.5% plus GST (4.13% including GST)

Addditionally, Markup fee of 1% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.