HDFC Regalia Gold Credit Card Review

HDFC Regalia Gold Credit Card

  • Features & Rewards
  • Offers Availability
  • Card’s Acceptance
  • Customer Care & Issue Resolution


Consider the HDFC Regalia Gold Credit Card for a seamless blend of luxury and practicality. It elevates your lifestyle with perks like airport lounge access, dining privileges, and flexible reward redemption. Plus, it’s globally accepted and offers top-notch security, making it an ideal choice for those seeking a versatile and rewarding credit card.


Introducing the Gateway to Financial Elegance: In today’s fast-paced world, having a credit card that simplifies your transactions and adds a touch of luxury to your lifestyle is a game-changer.

Whether you’re a frequent traveller or a connoisseur of fine dining, this credit card is designed to elevate your financial experience.

In this comprehensive review, we’ll take you through the key features, benefits, and perks of the HDFC Regalia Gold Credit Card, making it easily understandable for readers of any language.

From travel rewards to dining privileges, we’ll explore how this card can be your trusted companion in finance.

HDFC Bank Regalia Gold Credit Card

Join us as we unveil the secrets of this exquisite card and discover how it can unlock a world of opportunities for you.

Whether you’re a financial guru or a newcomer to the credit card game, our article is designed to be your go-to guide for making informed decisions about your financial future.

Let’s dive in!

At A Glance

HDFC Regalia Gold Credit Card

HDFC Regalia Gold Credit Card

  • Joining Fee: Rs 2500 + GST
  • Annual Fee: Rs 2500 + GST
  • Best for: Reward Points
  • Best Feature(s): Milestone Rewards, Domestic & International Airport Lounge Access

Fees & Charges

DescriptionFees & Charges
Joining FeeRs 2500 + GST
Renewal/Annual FeeRs 2500 + GST
Annual Fee WaiverYES ( if Rs 4 Lakhs spend in a membership year )
Add-on Card FeeNIL
Foreign Currency Markup Charges2% of the transaction amount
Interest Rates3.60% per month,
43.20% per year
Fuel SurchargeNA
Railway Ticket Purchase Fee1% of the
transaction amount + GST
Cash Advance Charges2.5% or Rs 500 ( whichever is higher) of the withdrawn amount
Charges on overlimit account2.5% of
overlimit amount, subject to a minimum of Rs 550
Rewards Redemption FeeRs 99 per
redemption request
Reward Point ValidityValid only for 2 years from the date of
Balance Transfer Processing Charges 1%
of BT amount or Rs 250, whichever is higher.
Rent Pay Transactions1% fee on transaction amount will be
levied on rental transactions done on any applicable merchant from the 2nd transaction
for the month

Welcome Benefits

HDFC Regalia Gold Credit Card

HDFC Regalia Gold Credit Card

  • Gift Voucher of Rs 2500 ( once you have paid the joining fee)
  • Club Vistara Silver Tier Membership & MMTBLACK Elite Membership ( on spends of Rs 1 Lakh within 90 days of the card issuance)

Eligibility Criteria

For Salaried Indian National

  • Age: You should be minimum 21 years & maximum 60 years.
  • Income: Your net monthly income should be greater than Rs 1 Lakh.

For Self-Employed Indian National

  • Age: You should be minimum of 21 years & maximum of 65 years.
  • Income: Your ITR should be greater than Rs 1 Lakh.

Rewards Programme

Rewards TypeSpend TypeReward Points EarnedReward Rate
Regular SpendsRetail ( including Insurance, Utilities, Education)4 RP on every RS 150 spent ~1.3%
Regular SpendsGrocery4 RP on every RS 150 spent ~1.3%
Accelerated SpendsRetail20 RP on every RS 150 spent ~6.7%

5X Reward Points are applicable on spends at select merchants – Myntra, Nykaa, Reliance Digital, Marks & Spencers.

There are cappings with these earned rewards:

Cappings Info

  • Grocery Spend: 2000 RP per calendar month.
  • Insurance Spend: 2000 RP per day.

There are a few transactions that don’t earn you reward points. So, be careful when making these transactions:

  • EasyEMI
  • e-Wallet Loading Transactions
  • Rental Pay Transactions
  • Government Transactions
  • Property Management Services ( Rent, Maintenance, Packers & Movers)
  • Fuel Transactions

We have gone through all the necessary and required information about reward points. But, there are some things that you should take note of:

  • Reward points accrued will be reversed if a retail transaction is converted into SmartEMI.
  • If the Credit Card is used for less than 365 days, the Reward Points accrued will be nullified.

Rewards Redemption

You can redeem your Reward Points on Smartbuy or Netbanking.

Smart Buy Portal

The standard or significant rewards Regalia Gold offers may need to be revised for a card in this particular category.

However, this is where SmartBuy proves to be advantageous. By utilizing SmartBuy for purchases made at the listed merchants, we can obtain accelerated rewards that enhance the overall reward rate.

The maximum reward points earned through SmartBuy on Regalia Gold are 4,000 points per calendar month and 2,000 points per day.

Shopping CategoryRewardsValue at 1 RP = 50 Paise
Instant Voucherup to 5X6.6%
Apple Tresorup to 5X6.6%
Flipkartup to 3X3.9%

HDFC Bank offers the opportunity to redeem items from its catalogue, make flight or hotel reservations, obtain gift vouchers, or even receive cash.

The distinct factor lies in the value provided for the rewards associated with these redemption alternatives.

Redemption OptionValue of 1 RP
Rewards Catalogue (Including Vouchers)up to 65 paisa
Smartbuy (Flights/Hotels)up to 0.50 paisa
Airmiles – Intermiles, Singapore Airlines (Krisflyer), Club Vistara via Netbanking or SmartBuy0.50 Airmiles
Products and Vouchers via Netbanking or SmartBuy35 paisa
Redemption against the statement balance20 paisa

The redemption of reward points for cashback against the statement balance will be limited to a maximum of 50,000 reward points per calendar month.

Smart Buy – Miles Transfer

Miles Transfer Program - Smart Buy
Miles TransferValue of 1 RP
Air Canada - Aeroplan0.33 points
Air Asia Rewards0.50 points
ALL – Accor Live Limitless0.50 points
Avianca LifeMiles0.50 points
Hainan Airlines Fortune Wings Club0.50 points
IHG One Rewards0.50 points
Lotusmiles Program0.50 points
Turkish Airlines Miles&Smiles0.50 points
United MileagePlus0.50 points
Wyndham Rewards0.50 points
British Airways Executive Club0.33 Avios
Etihad Guest0.33 miles
Finnair Plus0.50 points
Flying Blue0.50 Flying Blue Miles

Milestone Benefits

The Regalia Gold outperforms the Regalia regarding milestone benefits, offering superior rewards for equivalent expenditure.

  • Rs 5000 flight voucher on Rs 5 Lakhs spent in an anniversary year.
  • Rs 5000 flight voucher on Rs 7.5 Lakhs spent in an anniversary year.
  • Vouchers worth Rs 1500 from Marriott, Myntra, Marks & Spencer or Reliance Digital. There is only one condition: spending Rs 1.50 Lakhs every quarter.

Complimentary Airport Lounge Access

Airport Lounges No of Visits
(Per Year)
Domestic12MasterCard, Visa, Rupay
International6Priority Pass

Please remember when you access either the domestic or international terminals in India

  • For Mastercard Cards, Rs.25 will be charged.
  • For Visa and RuPay Cards, Rs.2 will be charged.

For international travel, you will get a complimentary membership Priority Pass worth $99.

You can apply for a Priority Pass card once you have completed 4 transactions on your credit card.

Good Food Trail Program

Experience incredible dining perks with the esteemed Good Food Trail initiative. Avail yourself of remarkable savings of up to 20% on all your restaurant expenditures through the renowned Swiggy Dineout platform, which boasts an extensive network of over 20,000 restaurants.

This exclusive offer contains restaurant and Swiggy discounts and applies solely to payments made via the Swiggy App.

Comprehensive Insurance Cover

  • Accidental Air Death Cover: Rs 1 Crore.
  • Emergency Overseas Hospitalization: up to Rs 15 lakhs.
  • Credit Liability cover: up to Rs. 9 Lakhs. 

Concierge Services

Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Regalia Gold Credit Card.

* Toll-free No: 1860 425 1188 (India)
* Email ID: [email protected]


In conclusion, the HDFC Regalia Gold Credit Card symbolises financial empowerment and luxury, catering to a broad spectrum of needs. We’ve delved into the details of its rewards, benefits, and exclusive privileges, showcasing how it can seamlessly fit into your lifestyle.

Whether you’re drawn to its impressive travel perks, gourmet dining experiences, or robust rewards program, this card has something for everyone.

So, seize the opportunity, unlock the benefits, and embark on a journey where your financial horizons are limitless. The HDFC Regalia Gold Credit Card could be your key to a more rewarding and enriched lifestyle.

Here’s to your financial success!👍🤞

Please read the other posts:


What are the key benefits of the HDFC Regalia Gold Credit Card?

The HDFC Regalia Gold Credit Card offers a range of benefits, including travel rewards, dining privileges, and access to airport lounges. You can also earn reward points on your everyday spending, which can be redeemed for various exciting rewards.

How can I apply for the HDFC Regalia Gold Credit Card?

To apply for this card, visit the HDFC Bank website, complete the online application form, and provide the necessary documents. You can also visit a local branch or contact their customer service for assistance with the application process.

Can I use the Regalia Gold Credit Card internationally?

Yes, you can use the HDFC Regalia Gold Credit Card internationally. It’s widely accepted at most merchants and ATMs around the world. Just inform the bank about your travel plans to avoid any issues with international transactions.

What kind of travel benefits does the card offer?

The card provides complimentary airport lounge access, travel insurance coverage, and the ability to earn air miles. It’s an excellent choice for frequent travellers looking to make their journeys more comfortable and rewarding.

Can I convert my reward points into cash or statement credits?

Yes, you can convert your reward points earned with the Regalia Gold Credit Card into cash credits, which can be used to offset your card’s outstanding balance. This provides flexibility in how you use your rewards.

Are there any foreign transaction fees with this card?

Yes, there may be foreign transaction fees associated with using the card abroad. These fees can vary, so reviewing the card’s terms and conditions is essential to understand the specific charges.

Leave a Comment

Your email address will not be published. Required fields are marked *

Scroll to Top