Synopsis: One name that always pops up when we talk about premium cards is the HDFC Regalia Gold Credit Card. Even with so many high-end cards available today, a large number of premium users continue to use this Credit card. This article explains why HDFC Regalia Gold Card is one of the most trusted credit cards.
As your spending grows, you may start looking for a credit card that offers more than just basic cashback. This is where premium credit cards come into the picture. They offer perks like travel benefits, unlimited lounge access, more offers on dining out or foods and entertainment.
The HDFC Regalia Gold Credit card fits perfectly well in everything a credit card user can think of. It focuses on reward points, travel privileges, and milestone benefits, while still being beneficial for everyday spending. This is why it continues to be one of the most commonly held premium cards among Indian credit card users. Listed below is an overview of the card and the key features with all the other details of the card.
HDFC Regalia Gold Credit Card Overview
- Card Type: Travel and reward focused
- Joining Fee: ₹2500 + GST
- Annual Fee: ₹2500 + GST
- Fee Waiver: Annual fee is waived on spending ₹4 lakh or more per year
- Best Suited For: Frequent travellers, reward point users
Other Charges
- Interest Rate : 3.75% per month (based on the due amount)
- Late Payment Fee: 2.5% (minimum Rs 550)
- Cash Withdrawal Fee: 2.5% of the withdrawn amount or ₹500 (whichever is higher)
- Foreign Currency Markup: 2%
Welcome Benefits
- You get a complimentary Swiggy One and MMT Black Gold membership as Welcome benefits.
Reward Structure/Cashback
HDFC Regalia Gold Credit card lets you earn reward points on your spending instead of direct cashback. You get 4 reward points for every Rs 150 spent on selected categories and you can earn high reward points on spending on the partnered brands.
This means that if you spend ₹15,000 on retail, you earn 400 reward points, and if you spend the same amount on the partnered brands you earn (5X) 2,000 reward points.
Reward Redemption Process
You can redeem reward points through SmartBuy or NetBanking.
- You can earn 1 reward point equivalent to ₹0.50 on Flights & Hotels bookings (capped at 50,000 points per month)
- Avail up to 1 reward point equivalent to ₹0.65 on exclusive Gold Catalogue
- You can earn 1 reward point equivalent to ₹0.20 on statement Credit
- Earn up to ₹0.35 per point on Products & Vouchers
Key Features and Benefits
- Complimentary Swiggy One membership
- Complimentary MMT Black Gold membership
- 24*7 exclusive concierge services
- Up to 10% discount on partner restaurants via Swiggy Dineout
- 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital
- 4 Reward Points on every Rs.150 spent (on retail spends)
- Dining privileges through their Good Food Trail Program
- Up to 50 days interest-free credit
- Option to convert your large purchases into EMI
Also Read: Axis Horizon vs HSBC TravelOne: Which Travel Credit Card is Best for Maximum Savings in 2026?
Travel Benefits
- Domestic Lounge Access: Up to 12 complimentary visits per year
- International Lounge Access: Available through Priority Pass (conditions apply)
- Travel Bookings: Reward points can be used for flights and hotels via SmartBuy
Milestone Benefits
- Spend: ₹1,500 worth of vouchers on spending
- ₹5 lakh annual spend: ₹5,000 flight voucher
- ₹7.5 lakh annual spend: Additional ₹5,000 flight voucher
Who can apply for HDFC Regalia Gold Credit Card
Any individual with Indian citizenship, falling in the age range of 21-60 years can apply. The minimum income required for this card is above Rs 1 Lakh (for govt.) and above Rs 1.5 lakh (for non govt.)
If you fall in the category of a self employed individual then the minimum age range exceeds to 65 Years and the annual ITR should be above Rs 18 Lakhs per annum.
Who Should Get This Card?
Anyone in a need of a premium credit card with strong travel benefits and a structured rewards program can opt for this card. This card is very important financial tool if you travel often, spend regularly and can avail the benefit of reward points instead of direct cashback. The HDFC Regalia Gold Credit Card is ideal for users who seek premium benefits without upgrading to super-premium cards.
FAQs
No. The card has an annual fee of Rs 2500 which can be waived if you spend above 4 lakh per year.
Yes. HDFC Gold Regalia offers complimentary domestic and international lounge access through Priority Pass.
No. You should not go for this as a first time credit card user as this card offers a dense structured reward point which can get confusing for the first time users.
Written by Supriya
