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