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. Milestone Rewards – Earn More as You Spend
3. Reward Points – Maximize Your Spending
4. Complimentary Airport Lounge Access
5. Travel & Dining Perks
6. Smart EMI & Contactless Payments
7. Insurance & Protection
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.
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Eligibility for HDFC Regalia Gold Credit Card
For Salaried Individuals
For Self-Employed Professionals
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?
Who Should Avoid?
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!