CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

Regalia Gold Credit Card

49
Ranked #34 of 170 in credit
creditVisa/MastercardMid-premium travelLegacy · discontinued

Mid-premium HDFC travel card (successor positioning to the discontinued Regalia First), offering SmartBuy-accelerated travel rewards, broad-category earning including insurance, and lounge access — currently HDFC most-recommended card in the sub-Rs5000 fee segment despite 2026 devaluations.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value37/100 · weight 71%
≈ 1.82% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.9% score bonus — earns broadly without narrow category restrictions.
Fee efficiency79/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks80/100 · 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
Waiver: Waived on Rs 4 lakh annual spend within 12 billing cycles; some cardholders report success converting to LTF via retention desk call before renewal (unofficial, discretionary)
Forex markup
2%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
online_shoppingpoints6.25%(12.5 pts @ ₹0.50)—5X points (25 per Rs150) at Myntra, M&S, Nykaa, Reliance Digital
online_travel_bookingpoints3.13%(6.25 pts @ ₹0.50)₹4,000 / monthly10X points on SmartBuy hotel bookings; flights earn 5X; both capped 4,000 bonus points/month combined
travelpoints1.25%(5 pts @ ₹0.25)—5X on travel via SmartBuy
diningpoints1.00%(4 pts @ ₹0.25)—4 pts / Rs 150
all_spendspoints1.25%(2.5 pts @ ₹0.50)—5 points per Rs 200 spent (post-15 May 2026 rate) = 2.5% nominal; Rs 0.50/point on flights/hotels via SmartBuy

Welcome offer

Gift voucher worth Rs 2,500 (fee-equivalent) on joining fee payment; complimentary Club Vistara Silver Tier + MMT Black Elite/Gold and Swiggy One memberships on Rs 1 lakh spend within 90 days (claim within 60 days of benefit-end date; memberships valid 1 year)

Milestone benefits

Pros

  • Rewards broad categories including insurance/utilities/education (rare, capped 2,000 points/month on insurance), strong SmartBuy hotel (10X/~6.25% effective) and flight (5X) multipliers, achievable Rs 4 lakh fee waiver, Boarding Edge post-flight perk (choice of spa/hotel buffet/room upgrade/airport transfer), decent insurance bundle

Cons

  • FLAG — TWO 2026 DEVALUATIONS: (1) 15 May 2026 base rate reduced from 4pts/Rs150 to 5pts/Rs200 (~2.67%→2.5% effective)
  • (2) July 2026 domestic lounge access became spend-gated (Rs 60,000/quarter required, previously unconditional) — no golf/entertainment benefits, high income eligibility bar

What's inside

More benefits

  • Boarding Edge Program

    ₹1,500

    Choice of any 2: spa session, 5-star hotel buffet, room upgrade, airport transfer in destination city

    Cap ₹6,000 / quarterly. Upload boarding pass on SmartBuy after flight

  • Club Vistara + MMT Black + Swiggy One membership

    ₹3,000

    Complimentary Club Vistara Silver Tier, MMT Black Elite/Gold, and Swiggy One memberships

    Cap ₹3,000 / yearly. Rs 1 lakh spend within 90 days of issuance

  • Insurance bundle

    ₹1,00,00,000

    Air accident death cover Rs 1 crore, overseas hospitalization Rs 15 lakh, credit liability Rs 9-10 lakh

    yearly.

Insurance cover

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₹NaN

Eligibility

text
Age 21-60 (salaried, income Rs 1 lakh/month+) or 21-65 (self-employed, ITR Rs 12 lakh+/year)

Small print

Fuel surcharge:Not detailed in sources reviewed — verify at application