HDFC Bank Regalia Gold Credit Card
HDFC Bank · Mid-tier
Annual / renewal fee
₹2,500.
VerifiedHDFC Bank Regalia Gold Credit Card (fleet document) — governing document (side-door search)18 Aug 2026, 12:13 AM ISTHDFC Bank
Earn rate
Confirm on the official page
Official source not yet captured
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You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
Overview
HDFC's flagship mid-premium travel card. Strong milestone vouchers and brand-accelerated rewards — but note: HDFC revised the card effective 15 May 2026, and domestic lounge access is now conditional on quarterly spend, which most comparison sites haven't caught up with yet.
Best for
- Spenders in the ₹4–8 lakh/year band who will hit the quarterly voucher milestones.
- Shoppers at Nykaa, Myntra, M&S, or Reliance Digital where the 5X applies.
- Travellers who value Priority Pass international visits at a mid-range fee.
Official source not yet captured
Not ideal for
- Anyone expecting the old unconditional domestic lounge access — that's gone as of 2026.
- Also weak for pure cashback seekers and spenders below ₹4 lakh/year who won't clear the fee waiver or milestones.
Official source not yet captured
Fees
Joining fee
₹2,500 + taxes joining/membership fee payable on application.
VerifiedHDFC Bank Regalia Gold Credit Card product page18 Aug 2026, 12:13 AM ISTHDFC Bank
Annual / renewal fee
₹2,500.
VerifiedHDFC Bank Regalia Gold Credit Card (fleet document) — governing document (side-door search)18 Aug 2026, 12:13 AM ISTHDFC Bank
Fee waiver
Renewal fee waiver on spending ₹4 lakh annually.
VerifiedHDFC Bank Regalia Gold Credit Card product page18 Aug 2026, 12:13 AM ISTHDFC Bank
Renewal fee
₹2,500 renewal charges, waived on minimum spend of ₹4 Lakh / Annum.
VerifiedHDFC Bank Regalia Gold Credit Card (fleet document) — governing document (side-door search)18 Aug 2026, 12:13 AM ISTHDFC Bank
Rewards
All eligible spends
4 pts/₹150 (2.67%) + 5x on Marriott/Myntra/Cult.fit
Official source not yet captured
Plain math
Spend ₹7.5 lakh in a year hitting the quarterly milestones and the vouchers stack to roughly ₹16,000 (4 × ₹1,500 + ₹5,000 + ₹5,000) — over six times the fee — before counting any reward points.
Travel & lounge
Lounge access
- Priority Pass lounge access: all lounge visits within India using Priority Pass charged at $27 (in INR equivalent) + Taxes per person per visit.
- Lounge visits outside India beyond the complimentary cap charged at $27 (in INR equivalent) - Taxes per person per visit.
- All guests charged at $27 (in INR equivalent) + Taxes per person per visit.
VerifiedHDFC Bank Regalia Gold Credit Card (fleet document) — governing document (side-door search)18 Aug 2026, 12:13 AM ISTHDFC Bank
Travel benefit
The Boarding Edge Program - Complimentary Spa, Buffet, Hotel Room Upgrade, and Airport transfer (support via DreamFolks 24x7 team).
VerifiedHDFC Bank Regalia Gold Credit Card product page18 Aug 2026, 12:13 AM ISTHDFC Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Gift voucher worth ₹2,500 against joining fee paid.
- Complimentary Swiggy One and MMT Black Gold memberships.
- Threshold for gift voucher not stated on official source.
VerifiedHDFC Bank Regalia Gold Credit Card product page18 Aug 2026, 12:13 AM ISTHDFC Bank
Golf
Standard golf benefits where applicable.
Official source not yet captured
Dining
Curated dining program.
Official source not yet captured
Insurance
Travel + purchase insurance.
Official source not yet captured
Hotel
Club Marriott membership · Marriott Bonvoy points transfer.
Official source not yet captured
Airline
Priority Pass with 6 intl visits/yr · 12 domestic lounge visits/yr.
Official source not yet captured
Milestones
₹1,500 voucher on ₹1L/qtr · 10K bonus pts on ₹5L/yr · Marriott voucher worth ₹10K on ₹8L.
Official source not yet captured
Insurance
- Accidental air death cover ₹1 Crore (USD 125,000).
- Emergency overseas hospitalization up to ₹15 lakhs (USD 18,750).
- Credit Liability cover.
VerifiedHDFC Bank Regalia Gold Credit Card product page18 Aug 2026, 12:13 AM ISTHDFC Bank
Milestone benefit
- Spend Milestone based vouchers worth ₹1,500 quarterly and up to ₹10,000 annually.
- Milestone benefits once unlocked have 60 days validity.
- Qualifying spend thresholds not stated on official source page.
VerifiedHDFC Bank Regalia Gold Credit Card product page18 Aug 2026, 12:13 AM ISTHDFC Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
2% of transaction value (Foreign Currency Transactions).
VerifiedHDFC Bank Regalia Gold Credit Card (fleet document) — governing document (side-door search)18 Aug 2026, 12:13 AM ISTHDFC Bank
Interest-free period
Interest free (grace) period could range from 20 to 50 days subject to the scheme applicable.
VerifiedHDFC Bank Regalia Gold Credit Card (fleet document) — governing document (side-door search)18 Aug 2026, 12:13 AM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the HDFC Bank Regalia Gold Credit Card?
Officially traced: Rs. 2,500.
HDFC Bank Regalia Gold Credit Card (fleet document) — governing document (side-door search)What is the joining fee on the HDFC Bank Regalia Gold Credit Card?
Officially traced: Rs. 2,500 + taxes joining/membership fee payable on application.
HDFC Bank Regalia Gold Credit Card product pageIs the HDFC Bank Regalia Gold Credit Card annual fee ever waived?
Renewal fee waiver on spending Rs. 4 lakh annually.
HDFC Bank Regalia Gold Credit Card product pageWhat welcome benefit does the HDFC Bank Regalia Gold Credit Card offer?
Gift voucher worth Rs. 2,500 against joining fee paid; complimentary Swiggy One and MMT Black Gold memberships.
HDFC Bank Regalia Gold Credit Card product pageWhat are the transfer ratios for HDFC Bank Regalia Gold Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the HDFC Bank Regalia Gold Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfcbank.com/personal/pay/cards/credit-cards/regalia-gold-credit-card.
VerifiedHDFC Bank Regalia Gold Credit Card product page18 Aug 2026, 12:13 AM ISTHDFC Bank
Verified 2026-08-17 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.