HDFC Regalia Gold Credit Card

Name: HDFC Bank HDFC Regalia Gold Credit Card
Brand: HDFC Bank
Price: 2950 INR
Rating: 7.72 (1 reviews)

Ranked #6 of 170 in credit

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HDFC's upgraded Regalia variant offering strong travel and lifestyle benefits at a moderate Rs 2,500 fee, with 5X rewards on select premium retail brands.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value77/100 · weight 71%

≈ 3.92% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.9% score bonus — earns broadly without narrow category restrictions.

No rewards on: rent. Reward score is scaled by ×(1 − 2.5%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.

Fee efficiency79/100 · weight 12%

Redemption flexibility75/100 · weight 9%

Perks77/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹2,500 + 18% GST
= ₹2,950 total
Annual fee: ₹2,500 + 18% GST
= ₹2,950 / year total
Forex markup: 2%

Lounge access

Domestic (per year): 12
International (per year): 6

Reward structure

Category	Type	Rate	Cap	Notes
online_shopping	points	13.35%(13.35 pts @ ₹1.00)	—	5X reward points on Nykaa, Myntra, Marks & Spencer, Reliance Digital
all_spends	points	2.67%(2.67 pts @ ₹1.00)	—	Base rate 4 RP per Rs 150 spent (pre-May 2026 rate; revised to 5 RP/Rs 200 = 2.5% from 15 May 2026, verify current)
online_spends	points	0.42%(1.68 pts @ ₹0.25)	—	20 Reward Points per Rs. 150 spent at Marks & Spencer, Myntra, Nykaa, Reliance Digital
groceries	points	0.42%(1.68 pts @ ₹0.25)	—	—

Welcome offer

Rs 2,500 welcome gift voucher; complimentary Swiggy One and MMT Black Gold membership on spend of Rs 1 lakh+ within 90 days

Milestone benefits

Pros

5X reward points on Nykaa, Myntra, M&S, Reliance Digital
rewards on generally-excluded categories (insurance, utility, education)
strong milestone vouchers
Priority Pass + domestic lounge

Cons

From July 2026, domestic lounge access now spend-gated (Rs 60K/quarter) instead of unconditional
accelerated earning limited to select brands
low redemption value on product/cash conversion

What's inside

More benefits

Complimentary Swiggy One + MMT Black Gold membership
₹2,000
1-year Swiggy One (free delivery) and MMT Black Gold membership
Cap ₹2,000 / yearly. On spend of Rs 1 lakh+ within 90 days of card issuance
Boarding Edge Program
₹1,500
Complimentary Spa, Buffet, Hotel Room Upgrade, or Airport Transfer
Cap ₹6,000 / quarterly. Any 2 benefits per calendar quarter via boarding pass upload on SmartBuy

Insurance cover

text: ₹NaN

Eligibility

text: Min income salaried non-govt Rs 1.5 lakh/month, govt Rs 1 lakh/month, self-employed Rs 18 lakh/annum

Small print

Redemption fee: ₹99 / redemption