HDFC Bank
HDFC Regalia Gold Credit Card
Annual Fee
₹2,950₹2,500 + GSTBase Reward
4% reward_points
Foreign Markup
2% + GST
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.
Category Rewards
Specialty
Insurance (capped)
1.625X
Fee Waiver
Renewal Fee Waiver on Spending Rs. 4 Lakh in a Year
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Myntra
5X Lifestyle Partners(Cap ₹3,250/mo)
Marks & Spencer
5X Lifestyle Partners(Cap ₹3,250/mo)
Reliance Digital
5X Lifestyle Partners(Cap ₹3,250/mo)
Nykaa
5X Lifestyle Partners(Cap ₹3,250/mo)
Reward Calculator
Earns ₹5,750/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
8.7K
HDFC Reward Points
₹8.7K
via smartbuy flights
Effective rate
4.53%
Annual fee
₹2,950
Year 1 net
+₹5,750
Year 2+ net
+₹5,750
ongoing
Adjust your spend by reward bucket
3 bucketsRedemption channels
highest value = bestSmartbuy flights
₹1/pt
Catalogue
₹0.65/pt
Milestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
first 90 days · You spend ≈ ₹6L
Club Vistara Silver Tier + MMT Black Elite Membership
per quarter · You spend ≈ ₹1.5L
₹1,500 voucher (Marriott / Myntra / M&S / Reliance Digital)
per year · You spend ≈ ₹6L
Renewal fee waiver (partial — ₹500/cycle cap)
₹5,000 SmartBuy Flight vouchers
Additional ₹5,000 SmartBuy Flight vouchers (₹10K total)
Real Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
5X Lifestyle Partners
Headline: 13.33% effective
₹3,250/month ÷ 13.33% = ₹24,381 eligible spend/month
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
2%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, government
Fuel surcharge waiver (good news)
on ₹400–₹5,000 fuel txns · capped at ₹500/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
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%).
- 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.
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)
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
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹1.2L+
Self-Emp
₹18.0L+
Networks
Fee Waiver
Renewal Fee Waiver on Spending Rs. 4 Lakh in a Year