HDFC Regalia Gold Credit Card
HDFC · VISA★4.5/ 5
✓ Details last verified 1 Jan 2025
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HDFC Regalia Gold is the most balanced premium credit card in India — 4 reward points per ₹150 (worth ₹0.50 each), 6 domestic lounge visits/quarter, and a generous ₹2 lakh fee-waiver threshold that most salaried users can clear with household spend.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | reward points | 5% | — |
| International | reward points | 2% | — |
| Other | reward points | 1.33% | — |
Travel: 5% value on travel
International: 2% on international spends
Other: 4X reward points on all spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Perks & benefits
Estimated annual value beyond rewards.
12 domestic + 6 international lounge visits per year
₹5,000 gift voucher on ₹5L annual spend
Who is this card for?
- 💳Premium tier — a solid all-rounder for steady monthly spend.
- 🎯Strongest value if you spend heavily on Travel (5% back).
- ✈️Frequent travellers benefit from the included airport lounge access.
👍 Pros
- ✓4 reward points per ₹150 across all spends — consistent earn
- ✓6 domestic lounge visits per quarter (24/year) — generous allowance
- ✓2% forex markup — fair for a premium card
- ✓Annual fee waived at ₹2L spend — achievable for most households
👎 Cons
- ✕Reward points redemption via SmartBuy portal required for best value
- ✕No unlimited international lounge access
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your hdfc reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard catalogue & cashback
Up to ₹0.50/pt on travel via SmartBuy
Premium cards (Infinia/Diners Black) — best value
✈ TRANSFER PARTNERS
🔥 Live offers on this card
3 liveTransfer bonuses and promos running right now for this card's rewards.
5X value on SmartBuy flights & hotels
Book flights and hotels via SmartBuy to redeem points at up to ₹0.60/point — far better than statement credit.
Ends 2026-06-30 · view offer ↗
25% bonus transferring to Marriott Bonvoy
Move HDFC Reward Points to Marriott Bonvoy with a 25% bonus — strong value for free-night awards and 5th-night-free stays.
Ends 2026-07-15 · view offer ↗
30% bonus transferring to KrisFlyer
Transfer HDFC Reward Points to Singapore Airlines KrisFlyer and get 30% extra miles — your points stretch much further on premium-cabin redemptions.
Ends 2026-07-31 · view offer ↗
Frequently asked questions
What is the annual fee for the HDFC Regalia Gold Credit Card?+
The annual fee is Rs 2500, which is waived on annual spends of Rs 300000.
What is the foreign currency markup?+
The forex markup is 2.50% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 1000 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 21 years old with a minimum income of Rs 100000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the HDFC Regalia Gold Credit Card are taken from HDFC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
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Terms & reward changes
Tracked updates to this card's fees, rewards and benefits — newest first.
- ✈️ Lounge policyEffective 1 Sept 2025
HDFC Regalia Gold domestic lounge access reduced from 8 to 6 visits per quarter (24 to 18 visits per year). International lounge access via Priority Pass is unchanged.
8 complimentary domestic lounge visits per quarter→6 complimentary domestic lounge visits per quarter
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