The HDFC Regalia Gold Credit Card is a premium credit card designed for those who love to earn rewards on every purchase. With exciting benefits like complimentary lounge access, Club Vistara Silver Tier membership, MMT Black Elite membership, and milestone rewards, this card is perfect for frequent spenders and travelers.
Priced at an affordable joining and annual fee of ₹2,500 + taxes, the card offers high-value rewards, travel perks, and exclusive discounts. Plus, the renewal fee is waived if you spend ₹4 lakhs or more in a year.
Whether you shop online, dine out, or travel frequently, the HDFC Regalia Gold Card ensures you get the best deals and rewards.
HDFC Regalia Gold Credit Card Review
Here’s a quick look at the top features of the HDFC Regalia Gold Card:
| Feature | Details |
|---|---|
| Joining Fee | ₹2,500 + taxes |
| Annual Fee | ₹2,500 + taxes (waived on spending ₹4L/year) |
| Welcome Benefits | ₹2,500 gift voucher, Swiggy One & MMT Black Gold membership (on spending ₹1L in 90 days) |
| Lounge Access | 12 free domestic lounge visits per year |
| Milestone Benefits | ₹1,500 voucher (quarterly spend ₹1.5L), ₹5,000 flight voucher (annual spend ₹5L) |
| Foreign Currency Markup | 2% |
Accelerated Reward Points
For select merchants and platforms, you can earn accelerated reward points. This means you can earn up to 5x points on certain categories. Here’s a breakdown:
- 10x reward points on hotel bookings through Smart Buy or MakeMyTrip
- 5x points on select merchants such as RedBus and IGP
However, there’s a cap of ₹5000 on the total accelerated points that can be earned in a month.
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Top Benefits of HDFC Regalia Gold Credit Card
1. Welcome Benefits – Get Rewarded Right Away
- ₹2,500 gift voucher on paying the joining fee.
- Complimentary Swiggy One membership (on spending ₹1L in 90 days).
- Free MMT Black Gold membership for exclusive travel discounts.
2. Milestone Rewards – Earn More as You Spend
- ₹1,500 voucher on quarterly spends of ₹1.5 lakhs.
- ₹5,000 flight voucher on annual spends of ₹5 lakhs.
- Extra ₹5,000 voucher on spending ₹7.5 lakhs in a year.
3. Reward Points – Maximize Your Spending
- 4 reward points per ₹150 on retail, insurance, utilities, and education spends.
- 5X reward points on Marks & Spencer, Myntra, Nykaa, and Reliance Digital.
- Flexible redemption for flights, hotels, vouchers, and airmiles.
4. Complimentary Airport Lounge Access
- 12 free visits per year to 1,000+ domestic lounges.
- 6 international lounge visits via Priority Pass (after 4 transactions).
5. Travel & Dining Perks
- Club Vistara Silver Tier membership (on meeting spend criteria).
- Up to 7.5% discount on 20,000+ restaurants via Swiggy Dineout.
6. Smart EMI & Contactless Payments
- Convert big purchases into EMIs (6-48 months) with no documents.
- Contactless payments for fast and secure transactions (up to ₹5,000).
7. Insurance & Protection
- Air accident cover of ₹1 crore.
- Overseas hospitalization up to ₹15 lakhs.
- Credit liability cover up to ₹9 lakhs.
How to Apply for HDFC Regalia Gold Credit Card?
- Visit HDFC Bank’s official website or nearest branch.
- Check eligibility based on income and credit score.
- Submit documents (ID proof, income proof, address proof).
- Get approval within a few working days.
Eligibility for HDFC Regalia Gold Credit Card
For Salaried Individuals
- Age: 21-60 years
- Minimum Income: ₹1 lakh/month
For Self-Employed Professionals
- Age: 21-65 years
- Minimum ITR: ₹12 lakhs/year
HDFC Regalia Gold Credit Card Fees & Charges
Before applying, check the fee structure to avoid surprises:
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹2,500 + taxes |
| Annual Fee | ₹2,500 + taxes (waived on ₹4L spend/year) |
| Foreign Currency Markup | 2% |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) |
| Late Payment Charges | Up to ₹1,300 |
| Reward Redemption Fee | ₹99 per request |
Final Verdict – Is HDFC Regalia Gold Credit Card Worth It?
If you are a frequent spender and traveler, the HDFC Regalia Gold Credit Card is a great choice. With high reward points, lounge access, travel benefits, and milestone rewards, it offers excellent value for money.
The annual fee waiver on ₹4 lakhs spend makes it even more attractive. However, if you don’t spend much annually, you may find better alternatives.
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Who Should Get This Card?
- Frequent travelers
- Online shoppers (Myntra, Nykaa, Reliance Digital)
- High spenders looking for rewards
Who Should Avoid?
- Low spenders (below ₹4L/year)
- Those who don’t travel often
Conclusion
The HDFC Regalia Gold Credit Card is a premium lifestyle card packed with rewards, travel perks, and dining benefits. If you meet the spending criteria, it’s a highly rewarding card with minimal costs.
Apply now and start earning exciting rewards on every purchase!
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