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HDFC Regalia Gold Credit Card

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Overview

Updated On: August 24, 2026 | AB Published by: Amit B | 4 min read

The HDFC Bank Regalia Gold Credit Card is one of the most popular premium credit cards from HDFC Bank for travel and lifestyle benefits. It offers complimentary Swiggy One and MMT Black Gold memberships, dining discounts, and free access to domestic and international airport lounges. You earn accelerated reward points on Myntra, Nykaa, Marks & Spencer, and Reliance Digital, plus milestone vouchers. Reward points can be redeemed for air miles, hotel loyalty programs, luxury shopping, gift cards, or cashback (cashback gives lower value). Its biggest highlight is the Accor Hotels ALL program, where 2 Reward Points = 1 Accor Point = ₹2, giving more than ₹1 value per point. With regular use, this card can also unlock eligibility for HDFC super-premium cards like Diners Black and Infinia.

If you’re looking for a credit card for international travel, luxury hotel stays, and premium lifestyle rewards, the HDFC Regalia Gold is a strong choice.

Pros

Accor hotels as redemption option enhances value of reward points to more than double
Large number of categories for accelerated rewards including SmartBuy categories.
International Lounge access can be used by both primary and add-on card users (within the total limit of lounge access).
Relatively less number of excluded categories for reward points.
Spend limit for fee waiver is relatively low as compared to other premium credit cards.

Cons

No domestic lounge access for Add-on card members
Base reward rate is low if not redeemed on Accor hotels

Fees & Charges

Joining / Annual Fee ₹ 2,950

Renewal Fee ₹ 2,950

Annual Spend Target for Fee Waiver ₹ 400,000

Minimum Annual Income Required ₹ 1,800,000

Rewards and Benefits

Reward Rate

Earn 4 Reward Points on every Rs.150 retail spends including Insurance, Utilities and Education Earn 20 Reward Points on every Rs.150 retail* spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa!

Base Reward Rate

1.33%

Accelerated Reward Rate

13.33%

Welcome 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.

Renewal Benefits

No Renewal Benefits

Rewards & Cashback Details

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

Rewards Redemption

Reward Points Redemption Options: You can redeem your Reward Points on Smartbuy or Netbanking. Reward Points can be redeemed for:

Exclusive Gold Catalogue on select Premium brands via Smartbuy at a value of 1 RP = Rs 0.65
Flights and hotel bookings via Smartbuy at a value of 1 RP = Rs 0.5
Airmiles conversion through Netbanking or SmartBuy at a value of 1RP = upto 0.5 airmiles
Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = upto Rs 0.35
The redemption against the statement balance will be at the rate of 1 RP = Rs 0.20

Key Conditions on Reward Points Redemption

Redeem upto maximum of 70% on the travel bookings (Flights, hotels and experiences) using Reward Points. The balance amount will need to be paid via credit card.
Redemption of Reward Points against statement balance (cashback redemption) will be capped at 50,000 Reward Points per calendar month.
For select Products & Vouchers, the redemption of Reward Points will be capped at 70% of the total value. The remaining amount must be paid using the same Credit Card
The maximum reward points that can be earned in a statement cycle for Regalia Gold is 50,000.
If the Credit Card is not used for more than 365 days, Reward Points accrued will be nullified.

Please Click Here to view reward points redemption process. Please Click Here to view reward points TnC.

Additional Benefits

Domestic Airport Lounge

International Airport Lounge

Dining Benefits

Railway Lounge Access

Movie Benefits

Golf Benefits

Lifestyle Benefits Details

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

Features & Benefits

Cashback

Reward Points

Airmiles

Airport Lounge

Utility Bills

Insurance

Education

Gift Cards

Jewellery

NPS

Government Payment

Fuel

Rent

Wallet Load

Rewards on EMI

No Cashback / Rewards Categories

No reward points on following

Fuel
EasyEMI
e-wallet loading transactions
Rental pay transactions and property management services like rent, maintenance, packers &movers, etc
Government transactions

Other Terms and Conditions

Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per month
For rent payments made through third-party merchants, a fee of 1% of the total transaction amount will be levied from the second rental transaction of the calendar month.

Ratings & Reviews

3.8

Overall Rating

Reward Rate

4/5

Lifestyle Benefits

4/5

Ease of Reward Redemption

3/5

Value For Money

4/5

Customer Service

4.2/5

Detailed Review

HDFC Bank's Regalia Gold credit card is a mid-tier premium credit card which can be useful for people who shop regularly and want to save on travel. If super premium credit cards are out of reach due to eligibility criteria or you do not want to pay a hefty fee, Regalia Gold credit card can be an ideal choice as it comes with one of the lowest fee among all premium credit cards. Moreover, the spend target for renewal fee waiver is also relatively low as compared to similar premium credit cards. Despite this, it offers good benefits like domestic and international airport lounge access (without any spend conditions), accelerated rewards on travel, airmiles transfer option etc.So, if you are looking for premium travel based credit cards without spending a lot on card fee, HDFC Regalia Gold Credit Card can be a useful choice.

Eligibility & Important Info

Eligibility Criteria

For Salaried Non Govt.

Age: Min 21 years & Max 60 Years
Net Monthly Income> Rs 1,50,000

For Self Employed Non Govt.

Age: Min 21 years & Max 65 Years
Income: ITR > Rs 18 Lakhs per annum

For Salaried Govt.

Age: Min 21 years & Max 60 Years,
Net Monthly Income> Rs 1,00,000

Important Links

HDFC SmartBuy Portal (can also be accessed through HDFC PayZapp App): https://offers.smartbuy.hdfcbank.com
Domestic Airport Lounges List: Click here
You can apply for Priority Pass for self and add-on members. Click here to apply.
Click Here to view Welcome benefits redemption process.
HDFC Bank Regalia Gold Credit Card comes with an option to convert your big spends into EMI after purchase. To know more click here
Detailed terms and conditions of the complimentary insurances: Click here
Update your nominee details for the complimentary insurance: Click here

Add-on Cards

Upto three Add-on credit cards can be applied for free
Mother, father, brother, sister, son, daughter and spouse are eligible for Add-on credit card
Add-on credit card holder must have 18 years age or more

Media

HDFC Bank Regalia Gold Credit Card Review | HDFC Bank Regalia Gold Card Benefits

Classification

Card Network

Mastercard Visa

Card Purpose

Airport Lounges - Domestic Airport Lounges - International Dining Giftcards Lifestyle Card Online Shopping Sale Discount Offers Travel (Flight, Hotel) Utility Bills

Reward Type

Cashback Reward Points

Card Category