Your premium card for smart spending and bigger rewards.
Complimentary airport lounge access
Earn 4 reward points per ₹150 spent
Enter your details to get started
| Benefit | Details |
|---|---|
| Welcome & Joining Benefit | Receive a ₹2,500 gift voucher upon fee payment and complimentary Swiggy One/MMT Black Gold memberships on spending ₹1 lakh within 90 days. |
| Lounge Access | 12 complimentary domestic and 6 complimentary international airport lounge visits per calendar year. |
| Accelerated Rewards | Earn 4 reward points per ₹150 spent, with 5X points on Myntra, Nykaa, Marks & Spencer, and Reliance Digital. |
| Milestone Rewards | Earn vouchers worth ₹1,500 quarterly and flight vouchers worth up to ₹10,000 annually on eligible spending. |
| Fee Waiver | Annual fee waived on spending ₹4,00,000 in an anniversary year. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank Ltd. |
| Bank / Non-bank | Bank-affiliated |
| Category | Premium Lifestyle / Milestones Rewards |
| Type of Card | Visa |
| Free or Paid | ₹2,500 Annually + GST (waived on spends of over ₹4,00,000) |
The HDFC Regalia Gold Credit Card is tailored for individuals who seek a balance between premium benefits and practical rewards. This card serves frequent travellers, online shoppers, and those who value lifestyle privileges without stepping into super-premium territory. With complimentary airport lounge access, accelerated reward points, and milestone benefits, the card appeals to professionals and families looking to enhance their spending power whilst enjoying exclusive perks.
Global Acceptance: The card is accepted at millions of merchant outlets worldwide, making it suitable for both domestic and international transactions across various categories including dining, shopping, travel, and entertainment.
Add-on Cards: Cardholders can issue add-on cards to family members aged 18 years and above, enabling them to share benefits and build a unified reward accumulation strategy.
Contactless Payments: The card features contactless payment technology, allowing quick and secure transactions at enabled terminals without the need to swipe or insert the card.
EMI Conversion: Large purchases can be converted into easy monthly instalments through EMI facilities, helping manage cash flow effectively.
Comprehensive Protection: The card comes with purchase protection and personal accident insurance coverage, providing peace of mind for cardholders.
Standard Reward Rate: Cardholders earn 4 reward points for every ₹150 spent on most retail transactions, including shopping, dining, and entertainment purchases.
5X Reward Points on Select Stores: Earn 5 times the usual reward points when you shop at Marks & Spencer, Myntra, Nykaa, and Reliance Digital. This means every ₹100 spent at these stores earns you points at a rate five times higher than your regular card spends, helping you accumulate rewards faster.
Premium‑Brand Catalogue Items: Every 1 Reward Point (RP) can be redeemed for ₹0.65 worth of items from the bank’s curated catalogue of premium brands, allowing you to choose lifestyle, fashion, or electronics products.
Flights and Hotel Bookings: Each 1 RP is worth ₹0.50 towards booking flights or hotels through the bank’s redemption platform, helping you reduce travel costs.
Air‑Miles Conversion: You can convert your Reward Points into airline miles at a rate of up to 0.5 airmiles per RP, letting you earn frequent‑flyer benefits with partner airlines.
Products and Vouchers: Reward Points can be redeemed for a wide range of products or shopping vouchers at a rate of up to ₹0.35 per RP, giving flexibility to shop from various categories.
Statement‑Balance Redemption: You can use Reward Points to offset your credit card dues, with each RP worth up to ₹0.20, directly reducing your outstanding balance.
Note: The redemption value and available options may vary. Cardholders should check the current rewards catalogue for the latest offerings and conversion rates.
Gift Voucher on Joining: Pay your membership fee and receive a ₹2,500 gift voucher.
Complimentary Memberships: Spend ₹1 lakh or more within 90 days of card issuance to get Swiggy One and MMT Black Gold memberships.
On spending ₹1.5 lakh in any calendar quarter, receive vouchers worth ₹1,500 from Marriott, Myntra, Marks & Spencer or Reliance Digital.
On spending ₹5 lakh in an anniversary year, receive ₹5,000 worth of flight vouchers.
On spending ₹7.5 lakh in the same anniversary year, receive an additional ₹5,000 worth of flight vouchers.
Priority Pass Membership: Get a complimentary Priority Pass by completing 4 retail transactions on your card.
International Lounges: Enjoy up to 6 complimentary visits per calendar year for both primary and add-on members.
Domestic Lounges: Access 12 complimentary domestic lounge visits annually.
Accidental Air Death Cover: Provides ₹1 crore coverage in case of fatal injury during international air travel originating from India.
Emergency Medical Expenses: Covers up to ₹15 lakh for sudden sickness or injury while travelling abroad (pre‑existing conditions excluded).
Card Liability Protection: Offers up to ₹9 lakh coverage against unauthorised card liabilities, safeguarding the cardholder financially.
Note: Insurance coverage is subject to terms and conditions. Cardholders should refer to the policy document for complete details on coverage, exclusions, and claim procedures.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹2,500 + GST | One-time charge when the card is issued, eligible for a ₹2,500 gift voucher welcome benefit. |
| Annual Fee | ₹2,500 + GST | Charged every year. Waived if annual retail spends in the preceding anniversary year (12 billing cycles) are ₹4,00,000 or more. |
| Add-on Card Fee | ₹0 | No charges for supplementary cards issued to eligible family members. |
| Criteria | Details |
|---|---|
Age (Salaried Individuals, Non-Govt. & Govt.) | Minimum 21 years Maximum 60 years |
Age (Self-Employed Individuals, Non-Govt.) | Minimum 21 years Maximum 65 years |
Income Requirement (Salaried Individuals, Non-Govt.) | Minimum net monthly income of ₹1.5 lakh |
Income Requirement (Self-Employed Individuals, Non-Govt.) | Minimum net income (ITR) of ₹18 lakh per annum |
Income Requirement (Salaried Individuals, Govt.) | Minimum net monthly income of ₹1 lakh |
Credit Score | Typically a good credit score (750+) is required. |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory) |
| Proof of Address | Aadhaar Card, Passport, Voter ID, or Driving Licence |
| Income Proof | Salary slips (last 3 months), bank statements (last 6 months), Income Tax Return (ITR), or Form 16 |
Click on Apply Now: Hit the “Apply Now” button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your HDFC Regalia Gold Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Reward Points | Use the card for all eligible retail transactions to accumulate reward points faster and reach milestone benefits sooner. |
Utilise Airport Lounges | Make the most of your travels with 12 complimentary domestic lounge visits and 6 complimentary international lounge visits every year across leading airports in India and abroad, to enhance the travel experience. |
Redeem Strategically | Monitor accumulated reward points through the mobile app or net banking, and redeem them for maximum value items or travel bookings. |
Track Milestone Progress | Keep track of annual spending to ensure reaching the ₹4 lakh threshold for annual fee waiver benefits. |
Use EMI Options | For high-value purchases, consider converting transactions into EMIs to manage monthly cash flow more effectively. |
The HDFC Regalia Gold Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.