HDFC Bank
Regalia Gold Credit Card
Your rating
Community rating
Joining Fee
₹2,500
Annual Fee
₹2,500
Reward Rate
—
Forex Markup
2%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
2.67
Points / ₹100
₹0.65
Per point
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
12 per quarter
Domestic lounge visits
6 per year
International lounge visits
Priority Pass
Included with this card
DreamFolks
Lounge access via DreamFolks
Things to Keep in Mind
- Reward Points not eligible for fuel spends, cash advances, payment of outstanding balances, card fees and other charges
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- Strong all-round premium travel and lifestyle card
- Good balance of rewards, lounge access, and travel perks
- SmartBuy significantly boosts reward earning potential
- Lower forex markup than many HDFC mid-premium cards
- Complimentary memberships add good lifestyle value
- Flight vouchers improve effective reward rate for high spenders
- Better acceptance than Diners Club cards due to Visa variant
- Good entry-level premium card for frequent travelers
- Reward redemption value depends heavily on SmartBuy usage
- Annual fee waiver threshold is relatively high
- Lounge access now has spend-based eligibility conditions
- Base reward rate outside accelerated spends is average
- Reward exclusions are extensive on categories like rent and wallet loads
- Not as rewarding as premium cards like Infinia or Magnus for high spenders
- Travel benefits are weaker compared to super-premium cards
- Annual fee may not justify value for low-to-moderate spenders
Who is this card for?
Salaried: bank lists min net monthly income ₹1 lakh (government) or ₹1.5 lakh (non-government), age 21–60; self-employed: ITR typically above ₹18 lakh/year, age up to 65. Best for those who will use 12 domestic lounge visits/year and redeem points heavily on SmartBuy travel.
Quick Links
Data last updated 17 Mar 2026