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faayda.com › cards › HDFC Regalia Gold Credit Card
HDFC Bank · Visa / Mastercard · हिन्दी

HDFC Regalia Gold Credit Card: full review

The HDFC Regalia Gold is one of India's best all-round premium cards. The 1.625% on almost every category, 2% forex, strong lounge access and milestone benefits make it a powerful choice for urban professionals spending ₹50,000–₹1,00,000/month.

Apply now ↗Annual fee: ₹2,500 + taxes
Last updated: August 2026 · Current terms verified
HDFC BANK
VISA
)))
REGALIA GOLD
ASHOK KUMAR
12/28
₹2,500 + taxes (waived on ₹4,00,000/year spend)Annual fee
5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance DigitalReward structure
12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter)Lounge access

Key benefits of the HDFC Regalia Gold Credit Card

5 reward points per ₹200 on all spends including insurance, utilities and education (1.625%)5X points on Nykaa, Myntra, Marks & Spencer, Reliance Digital (capped 5,000 points/month)Up to 10X on flights and hotels via SmartBuy12 domestic + 6 international lounge visits (domestic: ₹60,000/quarter spend from July 2026)Boarding Edge: 2 quarterly travel perks on uploading boarding pass to SmartBuy₹5,000 MakeMyTrip/Reliance Digital voucher on ₹2.5L quarterly spend2% forex markup, lower than most cards at this tier
Apply now ↗ Min. income: ₹1L/month (salaried) · Credit score: 750+
Pros and cons
Pros
✓ Broad 1.625% earn rate on almost all categories including exclusions
✓ 2% forex is strong for a mid-premium card
✓ 12 domestic lounge visits is excellent
✓ 5X on fashion/beauty platforms covers a real spend segment
Cons
✗ Base rate reduced from 1.73% to 1.625% from May 2026
✗ Domestic lounge now requires ₹60,000/quarter spend from July 2026
✗ 1 RP = ₹0.20, below average redemption value
✗ ₹2,500 fee needs consistent spend to justify
Quick facts
Issuer HDFC Bank
Network Visa / Mastercard
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,500 + taxes (waived on ₹4,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹2,500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹1L/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceHDFC Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for HDFC Regalia Gold Credit Card is ₹2,500 + taxes (waived on ₹4,00,000/year spend). The joining fee is ₹2,500.
The main benefits of the HDFC Regalia Gold Credit Card are: 5 reward points per ₹200 on all spends including insurance, utilities and education (1.625%); 5X points on Nykaa, Myntra, Marks & Spencer, Reliance Digital (capped 5,000 points/month); Up to 10X on flights and hotels via SmartBuy; 12 domestic + 6 international lounge visits (domestic: ₹60,000/quarter spend from July 2026); Boarding Edge: 2 quarterly travel perks on uploading boarding pass to SmartBuy; ₹5,000 MakeMyTrip/Reliance Digital voucher on ₹2.5L quarterly spend; 2% forex markup, lower than most cards at this tier.
5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital
HDFC Regalia Gold Credit Card is best for All-round premium card with travel perks and lifestyle rewards. The HDFC Regalia Gold is one of India's best all-round premium cards. The 1.625% on almost every category, 2% forex, strong lounge access and milestone benefits make it a powerful choice for urban professionals spending ₹50,000–₹1,00,000/month.
The minimum income requirement for HDFC Regalia Gold Credit Card is ₹1L/month (salaried). A minimum credit score of 750+ is also recommended.
Yes, HDFC Regalia Gold Credit Card offers 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter).
HDFC Regalia Gold Credit Card charges a 2% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Travel Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Salaried Employees →Best Premium Credit Cards →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
Compare with similar cards
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HDFC Regalia Gold₹2,500 + taxes
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