HDFC Regalia Gold Credit Card
A premium rewards card with airport lounges, quarterly vouchers and big bonuses on SmartBuy travel. Points are worth the most when used for flights, hotels or the Gold catalogue.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Myntra, Marks and Spencer, Nykaa, Reliance Digital | 25 points per ₹200 (about 6.25%) | 5,000 bonus points a month across the four brands |
| SmartBuy hotels | 10X points (about 12.5%) | 4,000 bonus points a month with flights |
| SmartBuy flights | 5X points (about 6.25%) | Shared 4,000 a month cap |
| All other spends | 5 points per ₹200 (about 1.25%) | No cap |
| Online gaming | Nothing | – |
- Points are worth about ₹0.50 each on SmartBuy flights and hotels, ₹0.65 on the Gold catalogue, and much less as statement credit.
- You can also transfer points to airline programmes, mostly at 2:1.
- Insurance payments earn at most 2,000 points a month.
Benefits
Welcome benefit
- About ₹2,500 in vouchers plus Swiggy One and MMT Black memberships, after spending ₹1 lakh in the first 90 days.
Milestones
- ₹1,500 voucher each quarter on ₹1.5 lakh spend in that quarter.
- ₹5,000 SmartBuy flight voucher on ₹7.5 lakh spend in a year.
Travel and lounges
- 12 domestic lounge visits a year (3 a quarter). From 1 Jul 2026 these need ₹60,000 spend in the previous quarter.
- 6 international lounge visits a year with Priority Pass.
- Boarding Edge (from 1 Jul 2026): pick 2 benefits a quarter such as spa access, airport cab rides or hotel dining.
Fuel and forex
- Forex markup is a low 2%.
- From 15 May 2026, paying in rupees at foreign merchants adds a 1.75% conversion fee.
- 1% fee on fuel spends above ₹15,000.
Other perks
- Air accident cover of ₹1 crore
- Overseas hospitalisation cover up to ₹15 lakh
Fees and charges
| Joining fee | ₹2,500 + GST (₹2,950) |
|---|---|
| Annual fee | ₹2,500 + GST, waived on ₹4 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 2% |
| Card replacement | ₹199 (from 15 May 2026) |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried: age 21 to 60, about ₹1.5 lakh a month income
- Self-employed: age 21 to 65, check income with HDFC Bank
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Low 2% forex markup
- Lounge access in India and abroad
- Strong bonuses on SmartBuy travel and four shopping brands
Watch out for
- Base rate was cut to about 1.25% in May 2026
- Domestic lounges now need ₹60,000 quarterly spend
- Points lose value if used as cash
Is the HDFC Regalia Gold worth it?
Regalia Gold pays off for people who spend about ₹40,000 or more a month and use their points on SmartBuy flights and hotels. Below that, the ₹2,500 + GST fee is hard to earn back, and a simpler cashback card usually gives you more.
What a year could look like
| ₹50,000 a month | ₹25,000 a month | |
|---|---|---|
| Yearly spend | ₹6 lakh | ₹3 lakh |
| Base points (5 per ₹200) | 15,000 | 7,500 |
| Points used on SmartBuy (about ₹0.50 each) | ₹7,500 | ₹3,750 |
| Quarterly vouchers (₹1,500 on ₹1.5 lakh a quarter) | ₹6,000 | ₹0 |
| Annual fee | ₹0 (waived above ₹4 lakh) | ₹2,950 |
| Value after fees | About ₹13,500 | About ₹800 |
Our example assumes every spend earns the base rate and points are used on SmartBuy. Taken as statement credit (about ₹0.20 a point), the points are worth less than half as much. It leaves out the first-year welcome benefit and lounge visits.
How to get the most from it
- Use points on SmartBuy flights and hotels or the Gold catalogue, never as statement credit.
- Buy from Myntra, Nykaa, Marks and Spencer and Reliance Digital for up to 6.25%, within the 5,000 bonus points a month limit.
- Spend ₹1.5 lakh in each quarter to collect all four ₹1,500 vouchers.
- Keep at least ₹60,000 of spend each quarter so your domestic lounge visits stay unlocked.
Skip it if
- You spend less than ₹25,000 a month. HDFC Millennia or SBI Cashback will usually give you more.
- You want cash back on your bill rather than points to redeem.
New to card fees? Read how joining fees, annual fees and waivers work.
Recent changes
- 1 Jul 2026Domestic lounge access now needs ₹60,000 spend in the previous quarter. Boarding Edge benefits added.
- 15 May 2026Base earn cut from 4 points per ₹150 to 5 points per ₹200.
- 1 Jul 2025New 1% fees on rent, large wallet loads, gaming and utility bills over ₹50,000.
Frequently asked questions
What is the value of one Regalia Gold reward point?
About ₹0.50 on SmartBuy flights and hotels and ₹0.65 on the Gold catalogue. As statement credit it is worth far less, about ₹0.15 to ₹0.20.
Does Regalia Gold give free lounge access?
Yes: 6 international visits a year, and 12 domestic visits a year if you spend ₹60,000 in the previous quarter.
How is the annual fee waived?
Spend ₹4 lakh in your card year and the next year’s fee is waived.
Is HDFC Regalia Gold worth it if I spend ₹25,000 a month?
Only just. At ₹3 lakh a year you miss the quarterly vouchers and the ₹4 lakh fee waiver, so you keep only about ₹800 a year after the fee, even with points used on SmartBuy.
What income do I need for HDFC Regalia Gold?
Salaried applicants aged 21 to 60 usually need about ₹1.5 lakh a month. Self-employed applicants aged 21 to 65 should check with HDFC Bank.
HDFC Regalia Gold or HDFC Millennia?
Millennia costs ₹1,000 + GST, gives 5% at 10 popular apps and is waived at ₹1 lakh spend. Regalia Gold costs more but adds lounges in India and abroad, a low 2% forex markup and better travel redemptions.
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Sources: CardAdvisor · HDFC Bank. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.