HDFC Bank Regalia Gold Credit Card
HDFC Bank
Annual Fee
₹2,500
Joining Fee
₹2,500 + GST
Base Reward
4% points
Foreign Markup
2% + GST
Fee Waiver
Renewal Fee Waiver on Spending Rs. 4 Lakh in a Year
Interest Rate
3.75% (45% Annually)
Welcome Benefits
Voucher Worth ₹2,500
Product Highlights
- 4 Reward Points on every retail spend of ₹150 including utilities, insurance, and education.
- 20 Reward Points on every spend of ₹150 at Myntra, Marks and Spencers, Nykaa, and Reliance Digital.
- 12 complimentary lounge access in India at both international and domestic terminals every year.
Rewards
4 Reward Points/₹150 on All Eligible Retail Spends, Including Utilities, Insurance, and Education (Up to ~1.73%). 20 Reward Points/₹150 for Myntra, Marks and Spencer, Nykaa, and Reliance Digital Spends (Up to ~8.6%).
Redemption
Redeem RPs for flight/hotel bookings via the Smartbuy portal at the rate of 1 RP = ₹0.50, convert RPs into airmiles through Netbanking at the rate of 1 RP = 0.50 Airmiles, Redeem RPs for products and gift vouchers on the Smartbuy portal at the rate of 1 RP = ₹0.35, and Redeem RPs against the Exclusive Gold Catalogue on Smartbuy at the rate of 1 RP = ₹0.65.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 20%(20 Reward Points) | No cap |
utilities | 4%(4 Reward Points) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Myntra | 20 Reward Points(5000 RPs across all brands) | online |
| Marks and Spencer | 20 Reward Points(5000 RPs across all brands) | online |
| Nykaa | 20 Reward Points(5000 RPs across all brands) | online |
| Reliance Digital | 20 Reward Points(5000 RPs across all brands) | online |
Benefits & Features
Domestic: 3 Complimentary Domestic Airport Lounge Access Every Quarter (12 Each Year) (N/A) International: 6 International Lounge Visits Via Priority Pass (For Both Primary and Add-on Cardholders) (N/A)
Fees & Charges
Eligibility
Min Age
21 years
Max Age
60 years
Min Income (Salaried)
₹1,20,000
Min Income (Self-Employed)
₹18,00,000
Available Networks
Pros & Cons
Pros
- Enjoy the exclusive 24/7 concierge service.
- Access to both domestic and international lounges, with 12 and 6 visits per year, respectively.
Cons
- A fee of ₹99 is applicable for reward redemption.
- Card renewal fee waiver is at a high cost of ₹4 lakhs.
Additional Info
Welcome Benefit Period is defined as 90 days from card setup.
Membership validity cannot be extended post expiry.
Complimentary memberships are valid for one year.
Maximum reward points that can be earned in a statement cycle for Regalia Gold is 50,000.
Excluded Categories