HDFC Regalia Gold
SponsoredHDFC Bank · Visa
HDFC Regalia Gold is a popular premium card with 4X rewards, lounge access, and travel insurance.
Annual Fee
₹2,500
Base Reward Rate
4X
Point Value
₹0.5/pt
Min CIBIL
700
Lounge Access
Domestic
12/year
International
3/year
Reward Rates by Category
Dining
5X
Travel
5X
Shopping
4X
Online
4X
Grocery
4X
Fuel
1X
Utilities
1X
Other
4X
Pros
- 4X reward points
- 12 domestic lounge visits/year
- 3 international lounge visits/year
- Priority Pass membership
- Zero liability on lost card
Cons
- Annual fee not waived on base spend
- Lower value per point vs premium cards
Redemption Options
Flight tickets
Good Value₹0.5/pt
Hotel bookings
Standard₹0.4/pt
Amazon vouchers
Standard₹0.35/pt
Statement credit
Low Value₹0.35/pt
Transfer Partners
Singapore Airlines KrisFlyer
5:1Club Vistara
5:1Ready to Apply?
Apply directly on the HDFC Bank website. Takes about 10 minutes.
