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HDFC Regalia Gold
HDFC Regalia Gold sits in the upper-mid premium tier for people who travel a few times a year. Since 15 May 2026 it earns a flat 5 Reward Points per ₹200 (about 1.25% when redeemed for flights or hotels, up to 1.6% on the Gold catalogue), with 5X at Myntra, Nykaa, Reliance Digital and Marks & Spencer. The real value is in the extras: ₹10,000 of flight vouchers across the ₹5 lakh and ₹7.5 lakh milestones, quarterly ₹1,500 vouchers, the new Boarding Edge travel perks and Swiggy One plus MMT Black Gold memberships. The catch is that domestic lounge access depends on ₹60,000 of spend in the previous quarter.
Annual fee
₹2,500
Joining fee
₹2,500
Reward type
points
Base reward rate
1.25%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1.25% base rate
- Reward redemption: Exclusive Gold catalogue at ₹0.65 per point, flights/hotels on SmartBuy at ₹0.50 (up to 70% of the booking, max 50,000 points a month), air miles at up to 0.5 miles per point, products/vouchers at up to ₹0.35 and statement credit at up to ₹0.20
- Domestic lounge access: 3 complimentary domestic lounge visits per calendar quarter, gated behind ₹60,000 of spend in the preceding quarter
- International lounge access: 6 complimentary international lounge visits per year via a Priority Pass membership issued on the card
- Insurance benefits: Complimentary air accident cover and other standard premium-tier insurance cover as per HDFC's Most Important Terms and Conditions
Benefits by category
- 🍽️ Dining & food delivery
Boarding Edge (from 15 May 2026): upload a boarding pass on SmartBuy to pick any 2 of a spa visit, Uber airport transfer, hotel dining or a hotel room upgrade each calendar quarter
- ✈️ Travel
2.5% reward rate · 3 complimentary domestic lounge visits per calendar quarter, unlocked only if the cardholder spent at least ₹60,000 in the preceding quarter, plus 6 complimentary international lounge visits per year through a Priority Pass membership issued on the card
- 🏨 Hotel
Boarding Edge (from 15 May 2026): upload a boarding pass on SmartBuy to pick any 2 of a spa visit, Uber airport transfer, hotel dining or a hotel room upgrade each calendar quarter
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹1,50,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹4,00,000
- Rewards redemption fee: No fee for redemption against flights/hotels via SmartBuy or as statement credit; nominal fee for catalogue/voucher redemptions
- Foreign currency markup: 2%
- Interest rate: 41.88% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹1,00,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal
Benefits
- 3 complimentary domestic lounge visits per calendar quarter, unlocked only if the cardholder spent at least ₹60,000 in the preceding quarter, plus 6 complimentary international lounge visits per year through a Priority Pass membership issued on the card
- Complimentary Swiggy One and MakeMyTrip Black Gold memberships, unlocked on ₹1 lakh of spend within the first 90 days
- ₹5,000 of flight vouchers each on reaching ₹5 lakh and ₹7.5 lakh of annual spend (up to ₹10,000 a year), plus a ₹1,500 Myntra/Nykaa voucher for every quarter with ₹1.5 lakh of spend
- Boarding Edge (from 15 May 2026): upload a boarding pass on SmartBuy to pick any 2 of a spa visit, Uber airport transfer, hotel dining or a hotel room upgrade each calendar quarter
- 5 Reward Points per ₹200 on eligible spends (from 15 May 2026), with 5X points at Myntra, Nykaa, Reliance Digital and Marks & Spencer capped at 5,000 bonus points a month; grocery points capped at 2,000 a month
Pros
- + ₹5,000 flight vouchers at both ₹5 lakh and ₹7.5 lakh of annual spend, up to ₹10,000 a year
- + 6 complimentary international lounge visits a year via Priority Pass, useful for occasional overseas travelers
- + Boarding Edge adds 2 travel perks a quarter (spa, airport transfer, hotel dining or room upgrade)
- + Complimentary Swiggy One and MMT Black Gold memberships on ₹1 lakh of spend in the first 90 days
- + 5X points at Myntra, Nykaa, Reliance Digital and Marks & Spencer, and a 2% forex markup
Cons
- − Base earn fell to 5 points per ₹200 on 15 May 2026, only about 1.25% on travel redemptions
- − Domestic lounge access requires ₹60,000 spend in the prior quarter — new cardholders get nothing in their first quarter
- − ₹1,50,000/month minimum income requirement (₹1 lakh for government employees) puts it out of reach for many first-time premium card seekers
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