HomeCredit CardsHDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold Credit Card

HDFC Bank

HDFC Bank Regalia Gold Credit Card

visaregaliacredittravelshopping

Annual Fee

₹2,500

Base Reward

4% reward_points

Foreign Markup

2% + GST

4.5/5

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.

Fee Waiver

Renewal Fee Waiver on Spending Rs. 4 Lakh in a Year

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
Myntra

Myntra

online(5000 RPs across all brands)

20 Reward Points
Marks and Spencer

Marks and Spencer

online(5000 RPs across all brands)

20 Reward Points
Nykaa

Nykaa

online(5000 RPs across all brands)

20 Reward Points
Reliance Digital

Reliance Digital

online(5000 RPs across all brands)

20 Reward Points

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%).

Reward Points — Redemption Value
  • 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

fuelrentgovteducationemiwallet

Partner Merchants

MyntraMarks and SpencerNykaaReliance Digital

Fees & Charges

Annual Fee₹2,500
Joining Fee₹2,500 + GST
Fee WaiverRenewal Fee Waiver on Spending Rs. 4 Lakh in a Year
Foreign Markup2% + GST
Interest Rate3.75% (45% Annually)
Cash Advance2.5% of total amount or ₹500, the higher one
Redemption Fee₹99 + GST

Eligibility

Min Age

21 yrs

Salaried

₹1.2L+

Self-Emp

₹18.0L+

Networks

visamastercardrupay