HDFC Bank Regalia Gold

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.