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HDFC Bank Regalia Gold Credit Card
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HDFC Bank Regalia Gold Credit Card

HDFC Bank

Joining Fee₹2,500Renewal Fee₹2,500Waived at ₹4,00,000 annual spend
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Last verified: 24 Sept 2026

Reward Program

HDFC Bank Reward Points1 point = ₹0.65
CategoryEarn RateMonthly Cap

Myntra, Nykaa, Marks & Spencer and Reliance Digital

8.12%₹5,000/monthly

HDFC SmartBuy - flight bookings (channel, not an MCC: merchant hdfc-smartbuy-travel, input flights)

8.1%₹2,600/monthly

HDFC SmartBuy - hotel bookings (channel, not an MCC: merchant hdfc-smartbuy-travel, input hotels)

16.2%₹2,600/monthly
All other spends1.62%No cap

Redemption fee: 99

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Managed via HDFC Bank SmartBuy, HDFC Bank NetBanking

Transfer partners

Exclusive Gold Catalogue on select premium brands via SmartBuy — 1 RP = ₹0.65. The strict Rule 5 maximum and the basis for every percentage here. Note the catalogue is narrow: 'select Premium brands' only.Flights and hotel bookings via SmartBuy — 1 RP = ₹0.50, on a far broader base than the Gold Catalogue.Airmiles conversion through NetBanking — up to 0.5 airmiles per Reward Point.Products and vouchers via SmartBuy or NetBanking — up to ₹0.35 a point.Redemption against statement balance — ₹0.15 a point, under a quarter of the headline rate.

Live Offers

48 active
Travellers JourneyUp to Rs15,000 Off on HDFC Bank Cards
₹15,000 offTJHDFC15Till 31 Dec
Thomas CookGet upto 12,000 Instant Discount with HDFC Bank Credit Cards on Thomas Cook Holidays
₹12,000 offTill 31 Dec
SotcGet upto INR 12,000 Instant Discount on your Holiday Bookings with HDFC Bank Credit Cards
₹12,000 offTill 31 Dec
Reliance DigitalGet Flat Rs. 6,000 Discount on Apple Iphone 17 & 17 Pro at Reliance Digital with EASYEMI o
₹6,000 offTill 31 Dec
CromaGet Flat ₹4,000 discount on Apple Iphone 17 & 17 Pro models with EASYEMI on HDFC Bank Cred
₹4,000 offTill 31 Dec
View all 311 offers

Benefits

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Lounge Access

3 domestic visits/quarter

1.5 international visits/quarter

12 complimentary domestic airport lounge visits a year and 6 international visits a year. Eligibility is tracked through SmartBuy under Milestone Benefits.

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Fuel Surcharge Waiver

Fuel earns NO Reward Points on this card. HDFC also charges 1% on fuel transactions above ₹15,000, capped at ₹4,999 per transaction, w.e.f. 1 October 2025.

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Welcome Benefit

Complimentary Swiggy One and MMT Black Gold memberships

Milestone Benefits

Spend ₹1,50,000/quarter₹1,500 Myntra or Nykaa voucher₹1,500 total by this tier · 1.00% effective rate
Spend ₹5,00,000/year₹5,000 flight voucher₹5,000 total by this tier · 1.00% effective rate
Spend ₹7,50,000/year₹5,000 flight voucher₹10,000 total by this tier · 1.33% effective rate

Reward Calculator

Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.

What this card is worth

Open a section and enter what you actually spend. Everything updates as you type.

Fees & Charges

Joining Fee₹2,500/yr
Renewal Fee₹2,500/yr
Fee WaiverSpend ₹4,00,000/year
Forex Markup3.5%
Interest Rate45% p.a.
Cash Advance Fee2.5% of the amount withdrawn, subject to a minimum of ₹500.
Reward Redemption Fee99

In the News

Priya Menon · 11d ago

HDFC Regalia Gold Review 2026: 1.63% Base, 5X Partner Brands, ₹4 Lakh Waiver & FAQs

HDFC Regalia Gold charges ₹2,500 and earns 5 Reward Points per ₹200 at ₹0.65 — 1.63%. 5X at Myntra, Nykaa, Marks & Spencer and Reliance Digital, capped at 5,000 points a month. Fees, caps and FAQs.

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