HDFC Bank
HDFC Regalia Gold is one of HDFC Bank's most popular premium credit cards, designed for individuals who frequently dine out and shop for groceries. With a joining fee of ₹1,000 and annual fee of ₹2,500, the card delivers strong value through its accelerated reward rate on dining and grocery spends, combined with complimentary airport lounge access on both domestic and international routes. The card earns 2X Reward Points on dining and grocery spends — 2 reward points per ₹150 spent — which translates to a 2% effective return. For other spends, you earn 0.5% reward rate. Reward Points can be redeemed for flight bookings on HDFC's SmartBuy portal, gift vouchers from major brands, or against statement credit at a rate of ₹0.25 per point. Complimentary domestic airport lounge access is a standout benefit: you get 8 free domestic lounge visits per year across 100+ airports in India through the Visa Lounge Access program. This alone can justify the annual fee for frequent travellers. In addition, 2 international lounge visits are provided through the Visa Airport Lounge Access program at select airports abroad. The fuel surcharge waiver of 1% at HPCL, BPCL, and IOCL fuel pumps — applicable on transactions up to ₹4,000 per month — provides meaningful savings for commuters and fleet operators. The Buy 1 Get 1 movie offer through BookMyShow, valid twice a month, is popular among couples and families. The card requires a minimum annual income of ₹6 lakhs for salaried individuals and is available to Indian residents aged 21-60 years. A good credit score and relationship with HDFC Bank improve approval chances. Source: HDFC Bank official website, updated May 2026.
| Feature | Details |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹2,500 |
| Reward Rate | [object Object]% |
| Cashback Rate | 0% |
| Lounge Access | Yes |
The HDFC Bank Regalia Gold from HDFC Bank is a an annual fee of ₹2,500 credit card aimed at Indian consumers who want a clear rewards-plus-lifestyle proposition without paying for an invite-only metal card.
Who should consider the HDFC Bank Regalia Gold
Pick the HDFC Bank Regalia Gold if you are a salaried professional earning ₹8 LPA or more, or a self-employed applicant with a stable ITR history of two years or longer, and you typically spend ₹40,000–₹80,000 a month on retail purchases. The card's reward structure works best when the majority of your monthly swipe volume is concentrated in accelerated categories such as dining, groceries, fuel, or travel booked through the issuer's portal. Frequent flyers who already pay for at least four domestic lounge visits a year will get the most out of the included lounge access, while shoppers who use UPI for most transactions should be aware that most banks still cap reward points on UPI spends at a lower rate.
Who should look elsewhere
If you are an early-career professional with under ₹5 LPA in declared income, prefer a lifetime-free starter card (such as an entry-level RuPay variant) and revisit the HDFC Bank Regalia Gold after one full financial year of stable income. Travellers who redeem most of their points for international flights will likely find a dedicated travel card with milestone-based foreign-currency benefits more rewarding. Finally, if you regularly carry a balance from month to month, the HDFC Bank Regalia Gold (and credit cards in general) are an expensive borrowing tool at industry-standard 36–42% annualised interest — a small personal loan is almost always cheaper for sustained debt.
How we picked it for our shortlist
Our editorial team only considers cards whose issuers are RBI-licensed and publish their schedule of charges in the public domain. We score the HDFC Bank Regalia Gold on five axes — annual fee versus benefits, reward rate, lounge and travel benefits, customer service responsiveness, and digital experience (mobile app, controls, instant card freeze). When the issuer changes pricing, we re-test the card and update this page within seven working days. The full methodology lives in our editorial policy.
Bottom line
The HDFC Bank Regalia Gold is a sensible mid-tier rewards card for someone who pays their statement in full every month and uses the welcome benefit, lounge access, and accelerated rewards with intention. If your spending profile does not match the card's reward map, a more focused card will always deliver better net value.
| Feature | HDFC Bank Regalia GoldHDFC Bank | American Express Membership RewardsAmerican Express | Axis Bank AtlasAxis Bank | HDFC Bank Diners Club BlackHDFC Bank |
|---|---|---|---|---|
| Issuer | HDFC Bank | American Express | Axis Bank | HDFC Bank |
| Joining Fee | ₹1,000 | ₹2,500 | ₹2,500 | ₹2,500 |
| Annual Fee | ₹2,500 | ₹4,500 | ₹5,000 | ₹10,000 |
| Interest Rate | — | — | — | — |
| Reward Rate | [object Object]% | [object Object]% | [object Object]% | [object Object]% |
| Lounge Access | Yes | Yes | Yes | Yes |
| Rating | — | — | — | — |
Have these ready before you start the online application. Most issuers verify digitally through CKYC and video-KYC, so physical copies are rarely needed.
Review the eligibility criteria above and ensure you meet the income and credit score requirements.
Click "Apply Now" and fill in your personal, income, and KYC details online.
The bank reviews your application and approves within 2–5 working days. Card arrives in 3–7 days.
If you spend ₹50,000/month on this card, EMI for ₹60,000 over 12 months ≈ ₹6,027.73/month at 36% p.a.
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