HDFC Bank Regalia Gold Credit Card
VisaHDFC Regalia Gold is a premium travel and lifestyle card with 4 Reward Points per ₹150, airport lounge access, and annual fee waiver on ₹4 lakh spend.
Welcome Benefit
2,500 welcome Reward Points on first transaction within 90 days.
Estimated value: ₹2,000
Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹2,500 within 90 days of card issuance.
Fees & Charges
Rewards & Earn Rates
Program: HDFC Reward Points (SmartBuy) (points) · 1 point = ₹0.5
| Category | Earn Rate |
|---|---|
| All Other Retail | 4 Reward Points per ₹150 on all other retail spends |
| Swiggy/Myntra/Nykaa/Marks & Spencer/Reliance Digital | 5X Reward Points on select partner brands |
| SmartBuy Flights/Hotels | 20X Reward Points on SmartBuy for flights and hotels |
Base reward points uncapped. Accelerated/bonus category points may be subject to monthly caps.
Points expire after 36 months
Lounge Access
6 complimentary international lounge visits per year via Priority Pass (primary cardholder + 1 guest per visit).
12 complimentary domestic lounge visits per year (3 per quarter) via Dreamfolks.
Travel Benefits
Discounted rates on flights and hotels when booked through the bank travel portal.
✓ Air miles conversion available
Complimentary travel insurance on purchase of international air tickets using this card. Covers trip cancellation, missed connection, and baggage loss.
Lifestyle Benefits
Dining Discounts
15–25% discount at partner restaurants through the bank's dining programme (EazyDiner/Dineout/bank portal). Valid on dine-in only.
via EazyDiner / Dineout
Value: ₹3,600
Insurance Cover
travel_insurance
Complimentary air accident cover of ₹50 lakh on purchasing air tickets using the card. Covers accidental death while travelling on a common carrier.
₹50 lakh air accident cover
lost_card_liability
In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero LiabilityForex & Fuel
Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.
Eligibility
Salaried: Minimum ₹1,00,000 per month net income. Self-employed: ₹12,00,000+ p.a. ITR. Age: 21–60 years (salaried), 21–65 years (self-employed).
Editor Rating
Pros
- + Strong air miles earning rate
- + Lounge access at major airports
- + Miles transferable to airline programs
Cons
- – High annual fee
- – Benefits require significant spend to be cost-effective
- – Miles have expiry dates
The HDFC Bank Regalia Gold Credit Card is a mid-range credit card from HDFC Bank tailored for travel enthusiasts with miles earning and lounge access. At ₹2,500/year, the card is easily justified through fee waivers and regular usage benefits.