HDFC Bank
HDFC Bank Regalia Gold Credit Card
5 reward points per ₹200: about 1.25% back if you use the points for flights and hotels on HDFC SmartBuy (₹0.50 a point), or 0.375% as statement credit (₹0.15 a point). 5X points at Myntra, Nykaa, Reliance Digital and Marks & Spencer. Fuel, rent, wallet loads and government payments earn nothing.
- ₹2,500 joining, ₹2,500 a year
Pros and cons
Good
- Low forex markup (2%)
- Open to self-employed applicants
Watch out for
- At ₹2,500 a year, it doesn't beat a free card's rate on any spend
- High joining fee: ₹2,500 up front
- Earns nothing on fuel, wallet loads, rent and government payments
- Lounge visits need about ₹20,000 of spend a month
- Who it's for
- Frequent flyers who use airport lounges and can meet the fee waiver.
- Skip it if
- You mainly pay by UPI.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 1.25% (base rate)
- Online shopping
- 1.25%
- Fuel
- 0%
- Groceries
- 1.25%
- Travel
- 1.25%
- Bills and utilities
- 1.25%
- Dining and food delivery
- 1.25%
Fees and charges
- Joining fee
- ₹2,500
- Annual fee
- ₹2,500
- Fee waiver
- Renewal fee waived if you spend ₹4 lakh or more in the 12 billing cycles before your renewal date. No joining fee waiver is offered.
- Forex markup
- 2%
- Fuel surcharge waiver
- No fuel surcharge waiver is listed for this card, and fuel earns no points. A 1% fee applies to single fuel transactions above ₹15,000.
Benefits and eligibility
- Airport lounge
- 12 domestic lounge visits a year (3 a calendar quarter), unlocked each quarter by spending ₹60,000 in the previous calendar quarter; 6 international visits a year outside India through Priority Pass with no spend condition (ask HDFC Bank for the Priority Pass card).
- Card network
- Not published by the bank
- UPI payments
- No
- Minimum income (salaried)
- ₹1,50,000 a month
- Eligibility
- Salaried: Indian national, age 21-60, gross monthly income above ₹1.5 lakh (above ₹1 lakh for government employees). Self-employed: Indian national, age 21-65, ITR above ₹18 lakh a year. HDFC Bank's FAQ calls the salaried figure net income, so confirm with the bank. Approval at HDFC Bank's discretion.
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the HDFC Bank Regalia Gold Credit Card?
View on HDFC Bank siteIssuer's site. We don't earn from this card.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by HDFC Bank.
Related guides
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What changed recently
- Lounge accessWorse for you
Domestic lounge visits (3 a calendar quarter) now need ₹60,000 of spend in the previous calendar quarter; the 6 international Priority Pass visits a year are unchanged.
Before: No spend condition · After: ₹60,000 spend in the previous calendar quarter
Spend in Apr-Jun 2026 counted for access in Jul-Sep 2026. Announced in HDFC's 15 May 2026 notice.
Bank's notice or terms - RewardsWorse for you
Base earn rate cut from 4 points per ₹150 to 5 points per ₹200, about 1.33% to 1.25% back when points go to flights and hotels on SmartBuy.
Before: 4 points per ₹150 · After: 5 points per ₹200
The card's product page still shows the old rate.
Bank's notice or terms - FeesWorse for you
Markup on rupee-billed payments abroad or at foreign-registered merchants (dynamic currency conversion) rose from 1% to 1.75%.
Before: 1% · After: 1.75%
The 1% figure is from HDFC's earlier Regalia Gold rewards terms.
Bank's notice or terms - FeesWorse for you
Replacing a lost, stolen or damaged card now costs ₹199.
Before: ₹100 · After: ₹199
The card's fees page still lists ₹100.
Bank's notice or terms - OtherBetter for you
New Boarding Edge benefit: upload an airline boarding pass on SmartBuy to pick any 2 of a spa session, a ₹750 Uber airport ride, a hotel buffet or a room upgrade each calendar quarter.
After: 2 travel benefits a calendar quarter
Bank's notice or terms
Questions people ask
Is the HDFC Bank Regalia Gold Credit Card worth it in 2026?
Only if you'll use the airport lounge visits and can meet the fee waiver; the rewards alone don't cover the fee. The catch: earns nothing on fuel, wallet loads, rent and government payments.
Is the HDFC Bank Regalia Gold Credit Card lifetime free?
No. It costs ₹2,500 to join and ₹2,500 a year, plus GST. Renewal fee waived if you spend ₹4 lakh or more in the 12 billing cycles before your renewal date. No joining fee waiver is offered.
Does the HDFC Bank Regalia Gold Credit Card work on UPI?
No. Only RuPay credit cards can be linked to UPI, and this isn't one.
Does the HDFC Bank Regalia Gold Credit Card give airport lounge access?
12 domestic lounge visits a year (3 a calendar quarter), unlocked each quarter by spending ₹60,000 in the previous calendar quarter; 6 international visits a year outside India through Priority Pass with no spend condition (ask HDFC Bank for the Priority Pass card).
What earns no rewards on the HDFC Bank Regalia Gold Credit Card?
No reward points on fuel, wallet loads, rent and property-management payments (maintenance, packers and movers), government payments, EasyEMI purchases, purchases later converted to EMI (points are taken back), cash advances, card fees, online skill-gaming, and education fees paid through third-party apps such as CRED or Cheq (paying the school or college directly still earns). Points are earned only on each full ₹200 spent.
Is there a limit on rewards with the HDFC Bank Regalia Gold Credit Card?
Grocery earns at most 2,000 points a calendar month (₹1,000 at ₹0.50 a point), reached at ₹80,000 of grocery spend. Utility bills earn at most 2,000 points a calendar month. Phone and telecom bills earn at most 2,000 points a calendar month, separate from the utility cap. Insurance premiums earn at most 2,000 points a month. Insurance isn't one of the spend types we rate. The extra (5X) points at Myntra, Nykaa, Reliance Digital and Marks & Spencer are capped at 5,000 bonus points a calendar month across the four brands; the base points on those spends have no cap. At most 50,000 points can be earned in a statement cycle.
Who can get the HDFC Bank Regalia Gold Credit Card?
The bank publishes a minimum income of ₹1,50,000 a month for salaried applicants. Self-employed people can apply: ITR above ₹18 lakh a year; age 21-65; Indian national. Salaried: Indian national, age 21-60, gross monthly income above ₹1.5 lakh (above ₹1 lakh for government employees). Self-employed: Indian national, age 21-65, ITR above ₹18 lakh a year. HDFC Bank's FAQ calls the salaried figure net income, so confirm with the bank. Approval at HDFC Bank's discretion. Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read HDFC Bank's own terms and product page on 19 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 19 Oct 2026 on HDFC Bank's official page. Fees and rewards change; check the issuer's terms before you apply.