HDFC Bank · Visa
HDFC Regalia Gold is the sweet spot in the HDFC lineup — better than the classic Regalia, more accessible than the invite-only Infinia. The 5X partner multipliers on Swiggy, Zomato, Myntra and Nykaa make it earn-heavy for everyday spends, while Priority Pass lounge access covers both frequent flyers and occasional travellers. Annual fee is waived at Rs.4 Lakh spend.
Annual Fee
₹2,500
Waived at ₹3.0L spend
Joining Fee
₹2,500
Base Reward Rate
4X
₹0.5/pt
Min CIBIL
700
₹6L+ income
Key Features
Welcome Benefits
2,500 Bonus Reward Points
Earn 2,500 reward points on first transaction of Rs.1,000+ within 90 days. Worth Rs.1,250 — effectively offsetting the joining fee.
Priority Pass Membership
Complimentary Priority Pass membership from day one, giving access to 1,300+ airport lounges across 140 countries.
Reward Rates by Category
Dining
5X
Travel
5X
Online
4X
Shopping
4X
Grocery
4X
Fuel
1X
Utilities
1X
Other
4X
Partner Earn Rates
| Partner | Category | Earn Rate |
|---|---|---|
| Swiggy | Food Delivery | 5X |
| Zomato | Food Delivery | 5X |
| Myntra | Fashion | 5X |
| Nykaa | Beauty | 5X |
| HDFC SmartBuy — Flights | Travel | 10X |
| HDFC SmartBuy — Hotels | Travel | 10X |
Milestone Benefits
5,000 Reward Points
Earn 5,000 bonus points when annual spend crosses Rs.1.5 Lakh in the card anniversary year.
Annual
5,000 Reward Points
Additional 5,000 bonus points after crossing Rs.5 Lakh annual spend.
Annual
15,000 Reward Points
Top milestone: 15,000 bonus points on crossing Rs.8 Lakh annual spend. Worth Rs.6,000-7,500 in redemptions.
Annual
Airport Lounge Access
Domestic
12 visits/year
International
3 visits/year
Insurance & Protection
Air Accident Cover
Accidental death while travelling by air with ticket purchased on card.
Emergency Overseas Medical
Medical emergency expenses incurred while travelling abroad.
Lost Card Liability
Protection against fraudulent transactions up to 48 hours before reporting.
Baggage Loss Abroad
Compensation for loss of checked baggage or passport internationally.
Eligibility Criteria
Age
21–65 years
Salaried Income
₹6.0 L+ per year
Self-Employed
₹9.0 L+ ITR
Min CIBIL Score
750+
Salaried: Rs.6 Lakh annual income. Self-employed: Rs.9 Lakh as per ITR. Existing HDFC salary account holders often get pre-approved offers at lower income levels.
Pros
- 5X reward points on Swiggy, Zomato, Myntra and Nykaa (6.7% effective return)
- Priority Pass — 12 domestic + 6 international lounge visits per year
- Annual fee waived at Rs.4 Lakh spend
- 10X points on flights and hotels via HDFC SmartBuy portal
- Milestone bonus: 15,000 RP on Rs.8L annual spend (worth Rs.7,500)
- Air accident cover Rs.1 Crore + overseas medical Rs.15 Lakh
- Points transfer to Air India, InterMiles, Singapore KrisFlyer, Marriott Bonvoy
Cons
- 3.5% foreign transaction fee — expensive for international spend
- 5X earn rate capped per transaction, not per month
- Rewards require active redemption — no automatic cashback
- HDFC SmartBuy portal can be slow and clunky
- Domestic lounge limited to 1 visit per month (12 total)
Redemption Options
Flight tickets
Hotel bookings
Amazon vouchers
Statement credit
Transfer Partners
Singapore Airlines KrisFlyer
5:1Club Vistara
5:1Frequently Asked Questions
Is the HDFC Regalia Gold annual fee waived?+
How many lounge visits does HDFC Regalia Gold give?+
What is the HDFC Regalia Gold earn rate?+
What is 1 HDFC Regalia Gold reward point worth?+
Is HDFC Regalia Gold good for international travel?+
HDFC Regalia vs HDFC Regalia Gold — which is better?+
Ready to apply?
Apply on the HDFC Bank website. Usually takes 10 minutes.
User Reviews(3)
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Solid card but SmartBuy dependency is real
The Regalia Gold is a workhorse card for HDFC customers. Points accumulate fast if you use SmartBuy for hotel and flight bookings. However, the 1% fee on rent payments stings a bit. Customer service has been excellent in my experience.
- ✓High rewards on SmartBuy
- ✓Free domestic lounge visits
- ✓Good acceptance everywhere
- ✕1% fee on rent payments
- ✕Points expire in 2 years
Best mid-range travel card in India
Been using Regalia Gold for 2 years now. The 5X reward rate on SmartBuy is what makes this card shine. I redeemed 80,000 points for a round-trip to Dubai via NetMiles - easily worth Rs 8,000+. Lounge access is genuinely useful, I use it every flight.
- ✓5X on HDFC SmartBuy portal
- ✓Good lounge access (8 per year)
- ✓Strong rewards on travel bookings
- ✓Easy point redemption via NetMiles
- ✕Reward rate outside SmartBuy is just 2X
- ✕Annual fee not waived if you do not hit the spend target
Good upgrade from basic HDFC cards
Upgraded from HDFC Millennia to Regalia Gold. The difference is noticeable - better lounge access, higher reward rates, and the complimentary Priority Pass is useful for international travel. The fee is justified if you spend above 1.5 lakh annually.
- ✓Complimentary Priority Pass (2 visits)
- ✓Better earn rate than basic HDFC cards
- ✓Fuel surcharge waiver
- ✕App experience could be smoother
- ✕Takes time to get approved
HDFC Regalia Gold
₹2,500/yr · 4X rewards
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