HDFC Bank
HDFC Bank Regalia Gold Credit Card
Best for travel, lounge-access, premium
₹2,500/yr annual fee · 5x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹2,500/yr
Reward rate
5x
Min. income
₹12,00,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹12 lakh/yr · CIBIL 750+
Reward cap
50,000 reward points per statement cycle (5,000 RPs max per category accelerated)
Welcome benefit
₹5,000 flight voucher on annual spends of ₹5L AND ₹7.5L; ₹1,500 Myntra/Nykaa voucher on quarterly spends of ₹1.5L; comp…
Who is this for
- Frequent traveller
- Premium cardholder
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- ₹2,500 non-waiver joining fee
- ₹1,000 late-payment fee
- 2.5% cash-advance fee
Issuer
Headquarters
Mumbai, Maharashtra
Established 1994
Website
www.hdfcbank.comFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹2,500 | Not waivable |
| Annual fee | ₹2,500 | Spend ₹4,00,000 or more within 12 billing cycles of the anniversary year |
| Renewal fee | ₹2,500 | Waived on annual spends ≥ ₹3,00,000 |
| Forex markup | Not published | Not waivable |
| Over-limit fee | ₹500 | Not waivable |
| Late payment | ₹1,000 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| EMI processing | ₹99 | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹400 and ₹10,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 5 Reward Points per ₹200 spent; 5X on select brands (Myntra, Nykaa, Reliance Digital and more); up to 10X on SmartBuy… | 50,000 reward points per statement cycle (5,000 RPs max per category accelerated) | 1 RP = up to ₹0.65 (Gold exclusive catalogue); ₹0.5 (flights/hotels); ₹0.5 (airmiles conversion); ₹0.35 (products/vouchers); ₹0.20 (statement balance) |
| DINING | 4.00 | — | 0.50 |
| TRAVEL | 4.00 | — | 0.50 |
| SHOPPING | 4.00 | — | 0.50 |
| ONLINE | 4.00 | — | 0.50 |
Benefits
-
Domestic lounge access
3 complimentary domestic lounge visits per quarter on min ₹60,000 quarterly spend
-
International lounge access Highlight
6 complimentary Priority Pass lounge visits per year (outside India)
-
Milestone benefits Highlight
₹5,000 flight voucher on annual spends of ₹5L AND ₹7.5L; ₹1,500 Myntra/Nykaa voucher on quarterly spends of ₹1.5L; complimentary Club Vistara Silver Tier + MMT Black Gold membership on ₹1L spends in first 90 days
-
Fuel surcharge waiver
1% fuel surcharge waiver on fuel between ₹400 and ₹10,000
Eligibility
- Age
- 21–65 years
- Min. income
- ₹12,00,000
- Min. credit score
- 750+
- Score note
- Excellent credit score preferred
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, salary slips / ITR, bank statements, photo, address proof
HDFC Bank Regalia Gold Credit Card is a MASTERCARD credit card from HDFC Bank. It is best suited for travel, lounge-access, premium.
Fees and rewards
- Annual fee: ₹2500
- Joining fee: ₹2500
- Rewards: 4 reward points per ₹150
Eligibility
PAN, Aadhaar, salary slips / ITR, bank statements, photo, address proof
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Apply for HDFC Bank Regalia Gold Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
← All credit cards · All HDFC Bank cards · All Mastercard cards
