HDFC Bank Regalia Gold Credit Card benefits
- Fuel5
reward points per ₹200 on retail spends, except fuel, rent and government
- Rewards5X
reward points at Myntra, Nykaa, Reliance Digital and Marks & Spencer
up to 5,000 extra points a month
- Lounge12
lounge visits a year in India, on spends of ₹60,000 in the quarter before
- Lounge6
lounge visits a year outside India with Priority Pass
- Fees
Renewal fee waived on spends of ₹4 lakh in a year
Good to know
- 2% forex markup on foreign currency spends
HDFC Bank Regalia Gold Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Myntra, Nykaa, Reliance Digital, Marks & Spencer5X reward points at these brands, online and in store. The extra points are capped at 5,000 a month across all four brands. Base points continue with no cap. | 12.5 points per ₹100 | 5,000 |
| GroceriesGrocery spends earn the normal rate, up to 2,000 reward points a calendar month. | 2.5 points per ₹100 | 2,000 |
| Everything else | 2.5 points per ₹100 | None |
We value one point at ₹0.5 in the usual redemption.
No rewards on: Fuel, wallet loads, EasyEMI, rent and property management, and government transactions.
All reward rules
- HDFC Bank gives 5 reward points per ₹200 spent, which is 2.5 points per ₹100.
- We use ₹0.50 per point, the value for flight and hotel bookings. You can redeem up to 70% of a booking with points. The Exclusive Gold Catalogue gives ₹0.65, products and vouchers up to ₹0.35, and airmiles up to 0.5 per point. Statement balance gives a lower value.
- The most you can earn is 50,000 reward points in a statement cycle.
- Insurance spends earn up to 2,000 points a month.
- Reward points are valid for 2 years. They are cancelled if the card is not used for 365 days.
- Milestone benefits are not counted in the maths: ₹1,500 Myntra or Nykaa vouchers on quarterly spends of ₹1.5 lakh, and ₹5,000 flight vouchers on yearly spends of ₹5 lakh and ₹7.5 lakh.
What the HDFC Bank Regalia Gold Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern, using Marks & Spencer and Myntra and Nykaa and Reliance Digital where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 1.25% | ₹450 |
| Dining and food delivery | ₹2,000 | 1.25% | ₹300 |
| Online shopping | ₹18,000 | 6.25% | ₹13,500 |
| Travel | ₹1,000 | 1.25% | ₹150 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 1.25% | ₹300 |
| Everything else | ₹3,000 | 1.25% | ₹450 |
| Total | ₹30,000 | ₹15,150 | |
| Renewal fee with GST | −₹2,950 | ||
| You keep | ₹12,200* |
That is ₹1,760 a year more than the HSBC Premier Credit Card on the same spending.
Spend ₹40,000 more in the year and the renewal fee is waived.
HDFC Bank Regalia Gold Credit Card annual fee and charges
- Joining fee
- ₹2,500
- Annual fee
- ₹2,500
- Fee waiver
- ₹4,00,000 a year
- Foreign currency markup
- 2%
The renewal fee is waived if you spend ₹4 lakh or more in a year. Fees are before GST. A 1.75% markup applies from 15 May 2026 to transactions made in Indian currency at an international location, or with a merchant in India registered overseas.
Fuel surcharge: 1% fuel surcharge waiver on transactions of ₹400 or more, up to ₹1,000 per statement cycle.
HDFC Bank Regalia Gold Credit Card eligibility
- Age
- 21 to 60
- Salaried income
- ₹18,00,000 a year
- Self-employed income
- ₹18,00,000 a year
Salaried applicants outside government need a net monthly income above ₹1,50,000. Government employees need above ₹1,00,000. Self-employed applicants can be up to 65 years old and need an ITR above ₹18 lakh a year.
The bank alone decides approval and your credit limit.
HDFC Bank Regalia Gold Credit Card lounge access
12 domestic and 6 international visits a year. Banks often set a spend condition, so read the reward rules above.
3 lounge visits in India each calendar quarter, only if you spent ₹60,000 or more in the quarter before. This rule applies from 1 July 2026. 6 visits outside India each calendar year with Priority Pass.
Is the HDFC Bank Regalia Gold Credit Card right for you?
A card with a ₹2,500 fee that spending can waive, paying 6.25% at Myntra, Nykaa and Reliance Digital and more and an above-average 1.25% elsewhere.
Worth its fee if you spend about ₹6,000 a month or more. Below that, the ₹2,500 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at Myntra, Nykaa, Reliance Digital and Marks & Spencer: the card pays 6.25% back there, against 1.25% on most other spends.
- You spend ₹4,00,000 a year or more (about ₹33,400 a month), so the ₹2,500 renewal fee is waived.
- You pay in foreign currency, abroad or on foreign websites: the markup is 2%, against a typical 3.5% on the cards we list.
- You fly a few times a year: it includes 12 domestic and 6 international airport lounge visits a year.
Not for you if
- You spend less than about ₹33,400 a month: you would pay ₹2,950 a year with GST.
- You spend more than ₹40,000 a month at Myntra, Nykaa, Reliance Digital and Marks & Spencer: the higher rate stops there.
- You rarely use Marks & Spencer, Myntra, Nykaa and Reliance Digital: outside them the card pays 1.25%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to HDFC Bank Regalia Gold Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| HDFC Bank Regalia Gold Credit Card | ₹2,500 | 6.25% | ₹1,100* |
| HSBC Premier Credit Card | Free | 3% | ₹9,720* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the HDFC Regalia Gold Credit Card?
The joining and annual fee is ₹2,500 before GST. The renewal fee is waived if you spend ₹4 lakh or more in a year.
Is the HDFC Regalia Gold Credit Card lifetime free?
No. It has a yearly fee of ₹2,500, which you can avoid by spending ₹4 lakh or more in a year.
How many lounge visits does HDFC Regalia Gold give?
It gives 3 visits in India each quarter if you spent ₹60,000 or more in the quarter before, and 6 visits a year outside India with Priority Pass.
What is the value of HDFC Regalia Gold reward points?
1 reward point is worth ₹0.50 on flights and hotels, ₹0.65 in the Exclusive Gold Catalogue and up to ₹0.35 on products and vouchers.
What is the eligibility for the HDFC Regalia Gold Credit Card?
Salaried applicants must be 21 to 60 years old, with a net monthly income above ₹1,50,000, or above ₹1,00,000 for government employees. Self-employed applicants must be 21 to 65 years old, with an ITR above ₹18 lakh a year.