HDFC Regalia Gold Credit Card

Key Features & Benefits

All You Need to Know About: HDFC Regalia Gold Credit Card

The HDFC Regalia Gold Credit Card is a premium lifestyle credit card issued by HDFC Bank Ltd exclusively on the Mastercard network. This card is positioned for affluent individuals seeking comprehensive rewards and travel benefits at a competitive fee structure. With a joining fee and annual fee of ₹2,500 plus 18% GST each, the card becomes cost-effective for regular users as the annual fee is waived on spending ₹4,00,000 during the membership year. The card is not available as a lifetime free option but offers substantial welcome benefits including a ₹2,500 voucher, complimentary Swiggy One membership, MakeMyTrip Black Elite membership, and Club Vistara Silver membership upon spending ₹1 lakh in the first 90 days.

The reward structure of the HDFC Regalia Gold Credit Card is designed to maximize returns on lifestyle and premium merchant spending. Cardholders earn 4 reward points on every ₹150 spent across retail transactions, insurance payments, utility bills, and education expenses, delivering approximately 2.67% returns when redeemed optimally. The card truly shines with its 5X accelerated rewards program, offering 20 points per ₹150 spent at select premium partners including Marks & Spencer, Myntra, Nykaa, and Reliance Digital, though reward caps apply to prevent unlimited earning. Beyond transaction-based rewards, the card features attractive milestone benefits: spend ₹1.5 lakh in any quarter to receive ₹1,500 in vouchers redeemable at Marriott, Myntra, Marks & Spencer, or Reliance Digital; reach ₹5 lakh annual spend for ₹5,000 flight vouchers; and achieve ₹7.5 lakh to unlock an additional ₹5,000 in flight vouchers, totaling up to ₹10,000 in annual milestone rewards.

Reward redemption options are flexible and varied. The best value comes through the Gold Catalogue on HDFC SmartBuy, where each reward point is worth ₹0.65, allowing you to purchase premium electronics and lifestyle products from brands like Apple, Bose, Samsung, and Oral-B. Booking flights and hotels through SmartBuy offers ₹0.50 per point value, while converting to airmiles provides up to 0.5 miles per point. Standard redemption through products or vouchers via NetBanking yields ₹0.35 per point, and statement credit redemption offers the lowest value at ₹0.20 per point. This flexibility ensures cardholders can optimize redemptions based on their preferences and needs.

Travel and lounge benefits are among the strongest features of the HDFC Regalia Gold Credit Card. Cardholders receive 12 complimentary domestic lounge visits per year and 6 complimentary international lounge visits through Priority Pass membership, with these benefits extending to add-on cardholders as well, making it an excellent family travel card. Priority Pass is automatically activated after completing 4 retail transactions, and there is no minimum spend requirement to access lounges once activated. The card provides robust insurance coverage including ₹1 crore air accident insurance and ₹15 lakh overseas medical insurance for added travel security. Additional features include contactless payment capability, zero lost card liability protection, and the convenience of issuing add-on cards to family members at no extra cost. The card charges 3.75% per month interest on outstanding balances (45% APR) and levies a 2% foreign exchange markup on international transactions. Eligibility requires net monthly income above ₹1,50,000 for non-government salaried employees aged 21-60 years, ₹1,00,000 for government employees, or ITR above ₹18 lakh annually for self-employed individuals aged 21-65 years. Application processing typically takes 2-7 working days, and approved applicants generally receive credit limits ranging from ₹2 lakh to ₹10 lakh or more based on their income and credit profile.

Pros & Cons

How to Apply

Applying for the HDFC Regalia Gold Credit Card is a straightforward online process. Visit the official HDFC Bank website and navigate to the credit cards section to locate the Regalia Gold Mastercard application page. Click on “Apply Now” and fill out the online application form with your personal, employment, and income details. Upload the required KYC documents including PAN card, Aadhaar card, address proof, and income proof (salary slips for last 3 months or ITR for self-employed applicants). Ensure you meet the eligibility criteria: net monthly income above ₹1,50,000 for non-government salaried employees, ₹1,00,000 for government employees, or ITR above ₹18 lakh annually for self-employed individuals. After submission, HDFC Bank will verify your documents and conduct a credit check. Application processing typically takes 2-7 working days, and upon approval, your card will be delivered to your registered address. You can track your application status online using your application reference number.

Detailed Fee Structure

The HDFC Regalia Gold Credit Card comes with a joining fee of ₹2,500 plus 18% GST, totaling ₹2,950, which is partially offset by a ₹2,500 welcome voucher. The annual renewal fee is identical at ₹2,500 plus GST (₹2,950 total), but this can be waived completely if you spend ₹4,00,000 or more during your card membership year. This waiver threshold makes the card effectively free for regular users with moderate to high monthly spending.

Beyond the primary fees, be aware of additional charges that may apply. Interest on outstanding balances is levied at 3.75% per month, translating to an APR of 45%, so it’s advisable to pay your bills in full to avoid finance charges. Foreign currency transactions carry a 2% markup fee on the converted amount. Add-on cards can be issued to family members at no extra cost, providing the same benefits including lounge access. Late payment fees, over-limit charges, and cash advance fees follow standard HDFC Bank credit card rates. The card offers zero lost card liability, protecting you from fraudulent transactions if your card is lost or stolen and reported promptly.

Who Should Get This Card?

The HDFC Regalia Gold Credit Card is ideally suited for upper-middle-class professionals and affluent individuals with annual incomes above ₹18 lakh who frequently shop at premium lifestyle brands and travel regularly. If you’re a fashion enthusiast who shops at Myntra, Marks & Spencer, or Nykaa, or an electronics buyer who frequents Reliance Digital, the 5X accelerated rewards will deliver substantial savings on your purchases. Frequent flyers and travelers will appreciate the comprehensive lounge access across domestic and international airports, along with milestone flight vouchers that can offset travel costs. The card is also perfect for families, as add-on cards receive the same Priority Pass benefits, making airport experiences comfortable for all members. However, if your annual spending is below ₹4 lakh, you may find it challenging to justify the annual fee, and lighter spenders might be better served by cards with lower fee structures or lifetime free options. Self-employed professionals, business owners, and salaried executives who can comfortably meet the spending thresholds will find this card highly rewarding.

Alternatives & Competitor Comparison

Feature	HDFC Regalia Gold Credit Card	Axis Atlas Credit Card
Card Image
Card Network	Mastercard	Mastercard, Visa
USP	The HDFC Regalia Gold Credit Card delivers 5X accelerated rewards on premium brands like Myntra, Nykaa, and Reliance Digital, plus milestone vouchers worth up to ₹10,000 annually and extensive lounge access with 12 domestic and 6 international visits per year, making it perfect for lifestyle enthusiasts and frequent travelers seeking premium benefits at a competitive annual fee.	The Axis Atlas Credit Card is a premium travel rewards card designed for frequent flyers and luxury travelers, offering high EDGE miles on airline and hotel bookings, exclusive lounge access, and milestone bonuses for big spenders. Enjoy seamless travel perks, rewarding redemptions, and global acceptance.
Annual Fee	2500 Plus GST	5000 Plus GST
Joining Fee	2500 Plus GST	5000 Plus GST
Welcome Benefits	₹2,500 voucher on joining fee payment, complimentary Swiggy One membership, complimentary MakeMyTrip Black Elite membership, Club Vistara Silver membership on spending ₹1 lakh in first 90 days	2,500 EDGE miles credited on spending minimum 3 transactions within 37 days of card issuance, which can be redeemed for travel stays and flights worth roughly ₹5,000.
Lounge Access	Domestic: 12 per year | International: 6 per year	Domestic: 2 per quarter | International: 1 per quarter
Reward Rate	4 reward points per ₹150 spent (2.67% return) on retail, insurance, utility, and education. Earn 20 reward points per ₹150 spent (13.33% return) at Marks & Spencer, Myntra, Nykaa, and Reliance Digital (5X accelerated rewards with capping). milestone benefits: ₹1,500 vouchers on ₹1.5 lakh quarterly spend, ₹5,000 flight vouchers on ₹5 lakh annual spend, additional ₹5,000 flight vouchers on ₹7.5 lakh annual spend.	5 EDGE miles per ₹100 on travel bookings via Axis Bank Travel Edge up to ₹2 lakh monthly and 2 EDGE miles per ₹100 on all other spends.
Interest Rate	3.75% per month (45% per annum)	3.49% per month (around 42% per annum)
Best For	Lounge Access, Online Shopping	Lounge Access, Travel
Apply Now	Apply Now	Apply Now

Frequently Asked Questions