HDFC Regalia Gold review
HDFC Bank · Visa · points Partly verified Checked 30 Oct 2026
Verify before applying. We read 7 issuer documents for this card (HDFC Regalia Gold Rewards Points Program T&C; HDFC Regalia Gold fees and charges page), but some figures rest on 2 secondary sources (CardExpress Regalia Gold; CardInsider Regalia Gold) and are not confirmed in the bank's own terms. Check the issuer's current terms (MITC) first; every source is listed at the bottom with its check date.
At a glance
- Annual fee
- ₹2,500
- Joining fee
- ₹2,500
- Fee waiver
- ₹4,00,000 a year
- Base return
- 1.25% base
- Point value
- ₹0.5 per point
- Domestic lounge
- 12 a year. 3 per calendar quarter; requires ₹60,000 spend in the preceding calendar quarter, from quarter starting 1 Jul 2026 (official notice)
- International lounge
- 6 per year via Priority Pass, unchanged, no spend criterion (official 2026 feature change notice)
Estimated net value a year
| Profile | Net | % of spend |
|---|---|---|
| First card, light spender ₹15k a month | ₹80 | 0.0% |
| Metro salaried ₹60k a month | ₹14,620 | 2.0% |
| Family household ₹80k a month | ₹19,280 | 2.0% |
| Frequent flyer ₹1.5L a month | ₹31,550 | 1.8% |
| Online shopper ₹50k a month | ₹14,200 | 2.4% |
| Rent-heavy ₹90k a month | ₹14,860 | 1.4% |
Fee maths: The ₹2,500 annual fee is waived at ₹4,00,000 a year of eligible spend, about ₹33,300 a month. Of our 6 profiles, 5 clear it; on first card, light spender you would pay the fee, which is 97% (₹2,580) of what that profile earns before the fee. On our 6 profiles it nets from ₹80 (first card, light spender) to ₹31,550 (frequent flyer), equal to 0.0% to 2.4% of spend across the profiles. Without a waiver, the metro salaried category mix earns back the fee from about ₹16,500 a month of total spend.
After fees and caps, best-case redemption. Use your own spend.
Our take: A mid-premium travel card with a ₹2,500 fee waived at ₹4 lakh. The base rate fell to 5 points per ₹200 in May 2026, so value now leans on a ₹1,500 voucher for each ₹1.5 lakh spent in a quarter, plus lounge visits. The lounge visits need ₹60,000 of spend in the previous quarter. Fuel and rent earn nothing.
From the card's terms: strengths
- 12 domestic lounge visits a year
- Up to about 6.25% at partner merchants, subject to caps
Reward rates and caps
| Spend category | Points per ₹100 | Value per ₹100 | Cap | Notes |
|---|---|---|---|---|
| Other online shopping | 12.5 | ₹6.25 | 5000 pts monthly | 5X on Myntra, Nykaa, Reliance Digital, Marks & Spencer only; capped at 5,000 RP per month across all four brands; base points continue uncapped (official T&C). 12.5 = 5 x 2.5 derived; official text is ambiguous whether 5X includes base. |
| Everything else, Dining & food delivery, Bills & utilities, Entertainment & OTT, Other online shopping, Amazon, Flipkart | 2.5 | ₹1.25 | No cap found | 5 RP per ₹200 on eligible retail spends, effective 15 May 2026 (official HDFC product feature change notice). Max 50,000 RP per statement cycle. Utilities and telecom earn max 2,000 RP per month; insurance max 2,000 RP per month (HDFC-wide MITC). |
| Groceries | 2.5 | ₹1.25 | 2000 pts monthly | Grocery RP capped at 2,000 RP per calendar month (official MITC and T&C). Spends beyond the cap earn nothing (calculator overflows to base, slight overstatement). |
| Fuel, Rent | 0 | ₹0 | No cap found | Official reward T&C: no reward points on fuel; rent and government payments earn nothing. |
| Flights & hotels | 12.5 | ₹6.25 | 4000 pts monthly | SmartBuy (official accelerated-earn-rules page): Flights 5X (=12.5 RP/₹100 at 2.5 base), Hotels 10X (=25 RP/₹100, not modelled; flights rate used), Instant vouchers 5X, Myntra/Nykaa 5X; max accelerated RP per calendar month for Regalia 4,000 (daily 2,000). Offer valid till 31 Mar 2027. Redemption up to 70% of flight/hotel value at 1 RP = ₹0.50 per official table. |
Point value: Official page: 1 RP = Re 0.50 on flights/hotels, up to Re 0.65 gold catalogue, up to Re 0.35 products/vouchers, up to Re 0.20 statement balance, up to 0.5 airmile.
Excluded or reduced
- Fuel earns no reward points (official reward T&C)
- Rent, property management and government transactions earn nothing
- EasyEMI and wallet loads earn nothing
- Insurance capped at 2,000 RP per month; utilities and telecom capped at 2,000 RP per month
- Groceries capped at 2,000 RP per month
- Education via third-party apps earns nothing (from 1 Sep 2024); skill-based gaming earns nothing (from 1 Jul 2025)
Spend milestones
- Spend ₹1,50,000 a quarter: ₹1,500 Myntra/Nykaa voucher (about ₹1,500)
- Spend ₹5,00,000 a year: ₹5,000 flight voucher (about ₹5,000)
- Spend ₹7,50,000 a year: Additional ₹5,000 flight voucher (about ₹5,000)
Other benefits
- Welcome: Complimentary Swiggy One and MMT Black Gold membership on ₹1 lakh spend in first 90 days (official product page benefits; older general T&C PDF says Club Vistara Silver + MMT Black). The product page FAQ separately says a ₹2,500 gift voucher is received against the joining fee (see notes; not itemised in the benefits or the T&C, not counted).
- Renewal: Annual fee waiver at ₹4 lakh spend
- Boarding Edge programme: any 2 of spa, buffet/dining, room upgrade, airport transfer per calendar quarter (upload boarding pass on SmartBuy; from 15 May 2026)
- Forex markup 2% (official page); DCC markup 1.75% from 15 May 2026
- Card reissuance fee ₹199 from 15 May 2026
- Insurance cover: air accident ₹1 crore
Eligibility
Per CardExpress: salaried age 21-60 with net income above ₹1 lakh (govt) / ₹1.5 lakh per month (others); self-employed 21-65 with ITR above ₹18 lakh. Bank decides. not confirmed in an issuer document: check the application page
Reported rule changes
- 15 May 2026: HDFC Regalia Gold: base earn rate, lounge condition and Boarding Edge official
Where it ranks
- #2 in Best travel credit cards
- #2 in Best credit cards for airport lounge access
- #5 in Best premium credit cards
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Related guides
- How to read a credit card MITC
- How annual fee waivers work
- Airport lounge access on credit cards
- Forex markup and using a card abroad
- How reward points work and what they are worth
- Credit card devaluations and what to do
FAQ
What is the annual fee of the HDFC Regalia Gold?
₹2,500 a year, waived at ₹4,00,000 annual spend. Fees exclude 18% GST.
How do HDFC Regalia Gold rewards work?
1.25% base, 6.25% at partners, capped. Official page: 1 RP = Re 0.50 on flights/hotels, up to Re 0.65 gold catalogue, up to Re 0.35 products/vouchers, up to Re 0.20 statement balance, up to 0.5 airmile.
Does the HDFC Regalia Gold give airport lounge access?
Domestic: 12 a year. 3 per calendar quarter; requires ₹60,000 spend in the preceding calendar quarter, from quarter starting 1 Jul 2026 (official notice). International: 6 per year via Priority Pass, unchanged, no spend criterion (official 2026 feature change notice).
Who is the HDFC Regalia Gold best suited to?
A mid-premium travel card with a ₹2,500 fee waived at ₹4 lakh. The base rate fell to 5 points per ₹200 in May 2026, so value now leans on a ₹1,500 voucher for each ₹1.5 lakh spent in a quarter, plus lounge visits. The lounge visits need ₹60,000 of spend in the previous quarter. Fuel and rent earn nothing. The ₹2,500 annual fee is waived at ₹4,00,000 a year of eligible spend, about ₹33,300 a month. Of our 6 profiles, 5 clear it; on first card, light spender you would pay the fee, which is 97% (₹2,580) of what that profile earns before the fee. On our 6 profiles it nets from ₹80 (first card, light spender) to ₹31,550 (frequent flyer), equal to 0.0% to 2.4% of spend across the profiles.
Sources
- HDFC Regalia Gold Rewards Points Program T&C (official PDF) official fetched 2026-10-29
- HDFC Regalia Gold fees and charges page official fetched 2026-10-29
- HDFC Bank Personal MITC, version 4.17 Oct 2026 (official PDF) official fetched 2026-10-29
- HDFC Regalia Gold general terms and conditions: welcome and milestones (official PDF) official fetched 2026-10-29
- HDFC Regalia Gold product page (benefits section, offset read) official fetched 2026-10-29
- HDFC Regalia Gold product feature change PDF (found via search; text unreadable, reported 5 RP/Rs 200 from 15 May 2026) official fetched 2026-10-29
- CardExpress Regalia Gold (July 2026) aggregator fetched 2026-10-29
- CardInsider Regalia Gold aggregator fetched 2026-10-29
- HDFC SmartBuy accelerated earn rules (valid till 31 Mar 2027) official fetched 2026-10-29
Not financial advice. Figures are estimates from published terms and may be outdated; confirm with HDFC Bank before you apply. Methodology.
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