HDFC BankRegalia Gold Credit Card
The HDFC Bank Regalia Gold Credit Card is a premium lifestyle card for frequent travellers.
Top Category Performance
Travel & Lounge (82/100)
Joining Fee
₹2,500
Annual Fee
₹2,500
Reward Rate (%)
1 – 2
Forex Markup
2%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
24/35
Fee Value & ROI
18/25
Lounge & Perks
18/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Regalia Gold Credit Card Benefits
Regalia Gold Credit Card Rewards
How you earn back on every swipe
points
Reward type
1% – 2%
Earn rate
2.67
Points / ₹100
₹0.65
Per point
24 months
Point expiry
Regalia Gold Credit Card 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.
Regalia Gold Credit Card Lounge Access
Airport perks included with this card
3 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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Regalia Gold Credit Card 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 25 Aug 2026
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Direct side-by-side MITC term matchups
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Regalia Gold Credit Card vs BOBCARD Eterna Credit Card
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More from HDFC Bank
Calculate your exact earnings with Regalia Gold Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.