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HDFC Regalia Gold

HDFC Regalia Gold

average rating is 4.3 out of 5

Premium

Best for: Travel

Joining Fee :

₹2,500

Annual Fee :

₹2,500

Issued by

HDFC Bank

Powered by

Mastercard

Welcome Bonus

Travel

Fuel

Shopping

Cashback

Rewards

Dining

Insurance

Interest

Lounge

The HDFC Regalia Gold Credit Card opens doors to exclusive privileges with its ₹2,500 annual fee. Enjoy complimentary Club Vistara and MMT Black memberships, priority check-in, lounge access, and reward rates from 1.3% to 13% on everyday spending.

Features & Benefits
🎁 Welcome Bonus

• Gift Voucher equivalent to Fee Amount  = ₹2,500

• Free Club Vistara Silver Tier and MMT Black Elite Membership when you spend ₹1 Lakh and above within 90 days of card issuance.

🏆 Milestone Benefit

• ₹1500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend ₹1.5 Lakhs in every calendar quarter.

• ₹5000 worth flight vouchers when you spend ₹5 Lakhs spends in an anniversary year

• Additional ₹5,000 worth flight vouchers when you spend ₹7.5 Lakhs spends in an anniversary year.

⭐ Reward Points

• Earn 4 Reward Points on every ₹150 retail spends, including Insurance, Utilities and Education​

• Earn 20 Reward Points on every ₹150 retail spend at Marks & Spencer, Myntra, Reliance Digital, and Nykaa.

• Reward Rate: 1.3% to 13%.

🏢 Lounge Access

• 12 free lounge access within India (both at domestic and international terminals) using the HDFC Bank Regalia Gold Credit Card.

🛡 Insurance Benefit

• Accidental air death cover worth ₹1 Crore

• Emergency overseas hospitalization: up to ₹15 lakhs

• Credit Liability cover: Up to ₹9 Lakhs

🍽 Dining Benefit

• Get up to 20% savings on all your restaurant bill payments via Swiggy Dineout.

🔒 Zero Lost Card Liability

• If you report the loss of your HDFC Bank Regalia Gold Credit Card to our 24-hour call centre right away, you will not be held responsible for any unauthorised purchases made with your Credit Card.

Joining Fee

₹2,500

Annual Percentage Rate

43.20%

Foreign Transaction Fee

2.00%

Annual Fee

₹2,500

Minimum Repayment Amount

5%

Over Limit Penalty

2.5%

Add-on Card Fee

Free

Cash Withdrawal Fee

2.50%

Fuel Surcharge

1%

Card Replacement Fee

₹100

Cash Advance Limit

40%

Reward Point Value

₹0.20
Fees & Charges
Pros

1. Free Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits.
2. 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital.
3. Free travel insurance up to ₹1 crore.

Cons

1. Reward points will not be accrued for fuel transactions.
2. HDFC Regalia Gold charges high annual fee.
3. No golf and entertainment benefits.

Eligibility

• Salaried:
- Age: 21–60 years
- Monthly income > ₹1,00,000
• Self-Employed:
- Age: 21–65 years
- ITR > ₹12 Lakhs/year
• Nationality: Indian

Documents Required

1. Proof of Identity (any government-approved photo ID): PAN Card, Aadhaar card, Driver's License, Passport, Voter's ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, or Letters issued by UIDAI
2. Proof of Address: Aadhaar card, Driver's License, Passport, recent Utility Bill (within 3 months), Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, or Bank Account Statement
3. Proof of Income: Recent salary slips (within 3 months), latest Form 16, and last 3 months' bank statement

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