Explore Benefits of HDFC BankRegalia GoldCredit Card

HDFC Bank

Explore Regalia Gold Credit Card

Basic Information

Welcome Benefits All welcome benefits: Spend ₹1 lakh within first 90 days: Complimentary Swiggy One + MMT Black Gold membership

Card Details Card Name: HDFC Bank Regalia Gold Credit Card
Bank Name: HDFC Bank
Card Type: Credit Card

Card Category Card Category: Super Premium

Payment Network Payment Network: Visa / Mastercard

Eligibility Minimum Income Required: Salaried: Gross monthly income > ₹1.5 lakh; Government employees: > ₹1 lakh/month; Self-employed: ITR > ₹18 lakh/year
Employment Type: Salaried / Government Employee / Self-Employed
Age Criteria: Salaried/Govt: 21–60 years; Self-employed: 21–65 years

Rewards Program

Reward Points Reward Rate: 5 Reward Points per ₹200 on eligible retail spends
Reward Value: Up to ₹0.65 per Reward Point depending on redemption option
Reward Points Cap: Maximum 50,000 Reward Points per statement cycle
Accelerated Rewards: 5X Rewards at Myntra, Nykaa, Reliance Digital, Marks & Spencer and eligible partner merchants

Redemption Reward Redemption Options: Flights, Hotels, Airmiles, Experiences and Regalia Gold catalogue
Redemption Fee: ₹99 + GST per applicable redemption transaction

Milestone Rewards Milestone Benefit: ₹5,000 flight voucher at ₹5 lakh annual spend + additional ₹5,000 flight voucher at ₹7.5 lakh annual spend
Annual Spend Benefit: Up to ₹10,000 flight vouchers annually through ₹5 lakh + ₹7.5 lakh milestones
Quarterly Milestone: ₹1,500 Myntra/Nykaa vouchers on quarterly spends of ₹1.5 lakh

Travel Benefits

Airport Lounge Domestic Airport Lounge: 3 complimentary lounge visits per calendar quarter after ₹60,000 spend in preceding calendar quarter
International Airport Lounge: Up to 6 complimentary lounge visits per calendar year outside India via Priority Pass
Lounge Spend Condition: Domestic: ₹60,000 spend in preceding calendar quarter

Airport Services Airport Spa: Boarding Edge Program — complimentary Spa as one of the available quarterly benefits
Airport Transfer: Boarding Edge Program — complimentary Airport Transfer as one of available quarterly benefits
Hotel Room Upgrade: Boarding Edge Program — complimentary Hotel Room Upgrade as one of available quarterly benefits
Buffet: Boarding Edge Program — complimentary Buffet as one of available quarterly benefits

Membership DreamFolks Membership: DreamFolks 24×7 support for lounge access
Priority Pass: Up to 6 complimentary international lounge visits/year; available after minimum 4 retail transactions

Forex Benefits Low Forex Markup: 2% foreign currency markup

Shopping Benefits

Online Shopping Myntra Benefits: 5X Reward Points + ₹1,500 quarterly milestone voucher eligibility
Nykaa Benefits: 5X Reward Points + ₹1,500 quarterly milestone voucher eligibility
Reliance Digital Benefits: 5X Reward Points
Marks & Spencer Benefits: 5X Reward Points

Offline Shopping Retail Shopping Offers: 5 Reward Points/₹200 on eligible retail spends

Brand Offers Premium Brand Offers: Club Marriott, Marks & Spencer, Myntra, MakeMyTrip, Reliance Digital and other eligible offers

Dining & Entertainment

Dining Dining Discount: Up to 10% discount at eligible partner restaurants via Swiggy Dineout

Lifestyle Benefits

Luxury Services Premium Experiences: Boarding Edge Program and premium lifestyle/travel benefits

Daily Spending Benefits

Utility Bills Utility Rewards: Eligible utility/bill payments earn base Reward Points subject to T&Cs

Grocery Grocery Rewards: Eligible grocery spends earn 5 Reward Points/₹200

Insurance Payments Insurance Premium Rewards: Eligible insurance spends earn 5 Reward Points/₹200

Education Education Fee Rewards: Eligible school-fee transactions earn Reward Points subject to applicable T&Cs

Insurance & Protection

Card Security Zero Liability Protection: Zero liability for fraudulent transactions after immediate reporting of lost card

Digital Features

Payments Contactless Payment: Contactless / Tap & Pay enabled

Add-on Features

Family Benefits Add-on Card: Add-on member eligible for Priority Pass program subject to applicable conditions

EMI Features EMI Conversion: Smart EMI — eligible large purchases can be converted into EMI after purchase

Fees & Charges

Joining Charges Joining Fee: ₹2,500 + applicable taxes

Annual Charges Annual Fee: ₹2,500 + applicable taxes
Annual Fee Waiver: Spend ₹4 lakh within 12 billing cycles of anniversary year

Finance Charges Late Payment Fee: ≤₹100: Nil; ₹101–₹500: ₹100; ₹501–₹1,000: ₹500; ₹1,001–₹5,000: ₹600; ₹5,001–₹10,000: ₹750; ₹10,001–₹25,000: ₹900; ₹25,001–₹50,000: ₹1,100; >₹50,000: ₹1,300

Forex Charges Forex Markup Fee: 2%
Dynamic Currency Conversion Charges: 1.75% on eligible DCC transactions in INR

Other Charges Card Replacement Fee: ₹199 for lost/stolen/damaged card reissuance

Customer Support

Service 24×7 Customer Support: 24×7 card/customer support

Performance & Ratings

Best Usage Best For: Travel, Rewards, Lifestyle, Shopping, Airport Lounge

Advantages Pros: Strong travel rewards, international lounge access, milestone vouchers, 5X rewards, low 2% forex markup, premium lifestyle benefits

Limitations Cons: ₹2,500 annual fee; lounge access has spend conditions; accelerated rewards have merchant/category conditions

Instant Check Eligibility | Regalia Gold Credit Card

Instant Check Eligibility

Frequently Asked Questions About Regalia Gold Credit Card

What Are the Main Benefits of the HDFC Bank Regalia Gold Credit Card?

The HDFC Bank Regalia Gold Credit Card is a premium lifestyle and travel credit card designed for customers who want rewarding everyday purchases and exclusive travel privileges. Key benefits include 5 Reward Points for every ₹200 spent on eligible retail transactions, accelerated 5X rewards on selected brands, complimentary airport lounge access, travel vouchers, and exclusive lifestyle benefits. Cardholders can also enjoy complimentary Swiggy One and MMT Black Gold memberships after meeting the applicable welcome benefit spending conditions.

What Is the Eligibility Criteria for the HDFC Regalia Gold Credit Card?

To apply for the HDFC Regalia Gold Credit Card, applicants must meet HDFC Bank's age, nationality and income requirements. Salaried applicants must generally be Indian residents aged 21–60 years, while self-employed applicants must be aged 21–65 years. The bank also evaluates monthly income, annual ITR, credit history and repayment capacity before approving an application.

What Is the Minimum Salary Required for the HDFC Regalia Gold Credit Card?

The minimum income requirement for the HDFC Regalia Gold Credit Card depends on the applicant's employment category. Private-sector salaried applicants generally need a gross monthly income above ₹1.5 lakh, while government employees need above ₹1 lakh per month. Self-employed applicants generally need an annual ITR exceeding ₹18 lakh. Meeting these income criteria does not guarantee credit card approval, as final eligibility is determined by HDFC Bank.

What Documents Are Required to Apply for an HDFC Regalia Gold Credit Card?

Applicants may need to provide identity proof, address proof and income documents when applying for an HDFC Regalia Gold Credit Card. Commonly requested documents include PAN card, Aadhaar card, passport, voter ID, salary slips, bank statements, Form 16 or Income Tax Returns (ITR), depending on the applicant's profile. HDFC Bank may request additional documents for verification before processing the application.

How Can I Apply for the HDFC Bank Regalia Gold Credit Card Online?

You can apply for the HDFC Bank Regalia Gold Credit Card online by visiting the bank's official website or an authorised application platform. Select the Regalia Gold Credit Card, check your eligibility, complete the application form and provide the required personal, employment and income details. Submit the application for bank verification. The final approval, credit limit and card issuance are subject to HDFC Bank's internal policies and verification process.

What Is the Joining Fee and Annual Fee of the HDFC Regalia Gold Credit Card?

The HDFC Regalia Gold Credit Card has a joining fee of ₹2,500 plus applicable taxes and an annual renewal fee of ₹2,500 plus applicable taxes. Cardholders can qualify for a renewal fee waiver by spending ₹4 lakh within 12 billing cycles of their anniversary year. The fee waiver is subject to the bank's applicable terms and conditions.

How Many Reward Points Can I Earn on HDFC Regalia Gold Credit Card Purchases?

The HDFC Regalia Gold Credit Card offers 5 Reward Points for every ₹200 spent on eligible retail purchases, subject to applicable exclusions and terms. Cardholders can also earn accelerated 5X Reward Points on selected partner brands, including Myntra, Nykaa, Marks & Spencer and Reliance Digital. Reward Points can be redeemed through eligible options such as flights, hotel bookings, vouchers and the rewards catalogue.

Does the HDFC Regalia Gold Credit Card Offer Complimentary Airport Lounge Access?

Yes, the HDFC Regalia Gold Credit Card offers domestic and international airport lounge access. Cardholders can unlock 3 complimentary domestic airport lounge visits per calendar quarter by spending at least ₹60,000 in the preceding calendar quarter. The card also provides up to 6 complimentary international lounge visits per calendar year through Priority Pass, subject to applicable conditions and membership requirements.

What Are the Milestone Benefits of the HDFC Regalia Gold Credit Card?

The HDFC Regalia Gold Credit Card offers additional milestone rewards when cardholders achieve specified spending targets. Benefits include ₹1,500 worth of Myntra or Nykaa vouchers on quarterly spends of ₹1.5 lakh, ₹5,000 worth of flight vouchers on annual spends of ₹5 lakh, and an additional ₹5,000 flight voucher on reaching ₹7.5 lakh in annual spending. Voucher redemption is subject to the applicable milestone terms and validity period.

Can I Get a Lifetime Free HDFC Regalia Gold Credit Card?

The standard HDFC Regalia Gold Credit Card carries a joining fee and annual renewal fee of ₹2,500 plus applicable taxes. It is not advertised as a lifetime-free credit card under its standard fee structure. However, eligible existing HDFC Bank customers may receive special upgrade or promotional offers depending on their banking relationship and the bank's internal eligibility criteria. Always confirm the applicable fees before accepting an offer.

Is the HDFC Bank Regalia Gold Credit Card Worth Applying for in 2026?

The HDFC Bank Regalia Gold Credit Card can be a suitable option for customers who regularly spend on shopping, travel, dining and lifestyle purchases. Its reward points, selected-brand accelerated rewards, airport lounge access, travel vouchers and milestone benefits can provide value to eligible cardholders. Before applying, compare the annual fee, spending requirements, reward redemption value and actual benefits you are likely to use. The card is most useful when your spending pattern matches its rewards and travel benefits.