All cards / HDFC Bank
HDFC Regalia Gold
A well-rounded premium card with strong dining/grocery multipliers and lounge access — though domestic lounge visits require ₹60,000 quarterly spend to unlock.
Rates and fees last verified 19 July 2026.
Annual fee
₹2,500
Joining fee
₹2,500
Reward type
points
Base reward rate
2.67%
Card network
Visa
Card tier
Premium
Reward rates by category
- Dining4%
- Groceries4% (capped ₹1,500/monthly)
- Travel2.5%
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹1,50,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 3 complimentary domestic lounge visits/quarter (min. ₹60,000 spend in preceding quarter) + 6 international visits/year via Priority Pass
- ₹2,500 welcome gift voucher offsetting the joining fee, plus complimentary Swiggy One and MMT Black Gold memberships
Pros
- + High reward rate on dining & groceries
- + International lounge access via Priority Pass
- + Welcome voucher offsets the joining fee
Cons
- − High income requirement
- − Domestic lounge access is spend-conditional, not automatic
Applying takes you to HDFC Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.