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HDFC Regalia Gold Credit Card

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3.9

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Beginner

Best For: Travel / Shopping

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6E – Rewards Indigo HDFC Bank Credit Card

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Elementor Single Post #221

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HDFC Regalia Gold Credit Card

The HDFC Bank Regalia Gold Credit Card is a strategic and significant upgrade to the classic Regalia, engineered to appeal to aspirational, high-spending customers. It features superior milestone benefits, delivering high-value travel and lifestyle vouchers upon achieving quarterly spending goals. The card aims to bridge the gap between the standard premium and super-premium segments, offering enhanced rewards on lifestyle brands and a superior redemption experience via the 'Exclusive Gold Catalogue' and Priority Pass access.

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Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Travel

Reward %

1.33% - 13.3%

Joining Fees

₹

2500

Renewal Fees

2500

APR

45%

Welcome Benefit

Gift Voucher Worth ₹2,500. Complimentary MMTBLACK GOLD and Swiggy One Membership on Spending Over ₹1 Lakh.

Renewal Benefits

Spend Rs. 4 Lakhs in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year.

USP's:

5X Reward Points on Key Brands: Earn 20 reward points per ₹150 spent (instead of the base 4) on Myntra, Nykaa, Marks & Spencer, and Reliance Digital.

Fees & Charges

Joining & Renewal Fees

Rs.2500

Interest & Charges

APR: 45% per annum
Foreign Currency Markup: 2%
Fuel Surcharge: 1% fuel surcharge waiver at all fuel stations across India
Cash Advance Fee: A fee of 2.5% of the amount withdrawn, or ₹500, whichever is higher
Late Payment Fees:
₹100 for amounts up to ₹500
₹750 for amounts between ₹5,001 and ₹10,000
Higher charges for larger outstanding balances

Additional Charges

Reward Redemption Charges:
₹99 for Reward Points Redemption
₹50 for redeeming cash against statement

Rewards

Regular Rewards on Eligible Spends : 4 Reward Points per ₹150 spent.

Accelerated Rewards : 20 Rps Per ₹150 Spent on Myntra, Nykaa, Marks and Spencer’s and Reliance Digital

Milestone Benefits

Quarterly : Spend ₹1.5Lakhs> Rs1500 worth of brand vouchers.Yearly : Spend ₹4Lakhs> Renewal Fee Waived Off.Yearly : Spend ₹5Lakhs> Flight Vouchers Worth Rs5000Yearly : Spend ₹7.5Lakhs> Flight vouchers worth Rs5000

Exclusions

Education Third Party, Fuel, Government, Jewellery, Rent, Wallets

Rewards capping

Cumalative Accelerated Rewards Max 4000 Per Month / Max 2000 Per Day.

Rewards Validity

2 Years

Redemption modes

Hotel Transfer
Brand Vouchers
Airline Transfer
Travel Booking
Cashback

Additional Features

travel-3d

Lounge Benefits

  • Airport Domestic : 12 per year
  • Airport International : 6 per year
cashback-3d

Insurance Benefits

  • Air Accidental Insurance
  • Credit Liability Cover
3902003

Other Perks

  • SmartBuy Vouchers Worth Rs2500
  • Swiggy One Membership
  • MakeMyTrip Black Gold Membership

Eligibility Criteria

Age

18Y

Min

60Y

Max

Credit Score

720

Ex Min

Income

(

Salaried Employee

)

₹

1 Lakhs Per Month

Income

(

ITR for Self Employed

)

₹

12 Lakhs

Other: Card-to-card eligibility requirements.

Pros

High-value milestone vouchers (worth ₹1,500) on ₹1.5 Lakh quarterly spends.
4 complimentary international lounge visits per year via Priority Pass.
Higher reward points (5X) on selected spending categories (e.g., Nykaa, Myntra).
Complimentary Club Vistara and MMT Black Elite memberships.
Enhanced redemption value on the Exclusive Gold Catalogue.

Cons

Reward points are capped monthly on 5X categories.
High foreign currency markup (3.5%).
Fuel, rent, and government transactions do not earn rewards.
Domestic lounge access is also spend-based.
Requires a high monthly income (e.g., >₹1 lakh for non-government employees), limiting accessibility.

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