HDFC Bank Regalia Gold Credit Card

HDFC Bank Regalia Gold Credit Card
Credit Card Name	HDFC Bank Regalia Gold Credit Card
Apply For This Card	https://www.technofino.in/takeme/hdfc-tfc
Credit Card Issuer's Name	HDFC Bank
Category	Premium Credit Card
First Launched Date	March, 2023
Relaunched Date
Credit Card's Networks	Mastercard (World)
Core Reward Rate	1.33%
Is Airmiles Transfer Option Available	Yes

HDFC Bank Regalia Gold Credit Card — a premium offering in HDFC’s credit card portfolio — was introduced in early 2023 as an evolution of the popular Regalia card. Positioned between the classic Regalia and the ultra-premium Infinia and Diners Club Black cards, Regalia Gold was crafted for India’s affluent yet value-conscious consumers seeking a fine balance between luxury and practicality.

At launch, the Regalia Gold came with a moderate annual fee of ₹2,500, making it accessible to a wider audience while still offering a premium suite of benefits. These include complimentary airport lounge access (both domestic and international), accelerated reward points, milestone benefits, and exclusive lifestyle privileges.

Over time, the Regalia Gold has carved a niche for itself as a go-to card for frequent travelers and high-spenders who want elevated privileges without stepping into the ultra-premium bracket. Its well-rounded features and broad acceptance continue to make it one of the most aspirational mid-premium credit cards in India today.

Charges

• Annual Fee: ₹2,500 + GST (renewable annually)
• Joining Fee: ₹2,500 + GST (Issued as FYF at times)

Annual Fee Waiver Condition

To encourage continued engagement, HDFC Bank offers a renewal fee waiver on the Regalia Gold credit card if the cardholder spends ₹4 lakhs or more in the previous membership year — rewarding loyal, high-spending users with sustained value at no extra cost.

Welcome & Renewal Benefits

Upon successful card activation and realization of the joining or renewal fee, the cardholder receives:

• A gift voucher worth ₹2,500 as a welcome benefit on paid cards
• No renewal benefit on paying the annual fee
• Complimentary Swiggy One and MMT Black Gold Membership when you spend Rs. 1 Lakhs and above within 90 days of card issuance

Key Features & Benefits

Hotel & Dining Privileges

• Club Marriott Membership (1st Year Complimentary): Enjoy up to 20% discount on stays and dining at participating Marriott hotels across the Asia-Pacific region.

Airport Lounge Access

• Domestic Lounges: Enjoy 12 complimentary visits per calendar year at airport lounges across India. Add-on cardholders are also eligible.
• International Lounges: 6 complimentary international lounge visits per year which can be accessed via Priority Pass, issued after spending ₹1 lakh within the first 90 days. Add-on cardholders are also eligible. Guests accompanying primary card holder must have an Add-on credit card with their own Priority Pass.

Fuel Surcharge Waiver

• 1% waiver on fuel surcharges across all fuel stations in India.
• Eligible on transactions between ₹400 and ₹5,000.
• Note: No reward points are awarded on fuel transactions.

Dining Offers – Good Food Trail Program

• Avail extra 10% off dining bills at 35,000+ restaurants through Swiggy Dineout
• Valid on minimum bill of ₹3,500, twice per calendar month.

Foreign Currency Markup

• A competitive foreign transaction fee of just 2% + GST, making this card suitable for international travelers and spenders.

Zero Lost Card Liability

• If your card is lost or stolen and reported immediately, you are not liable for any fraudulent transactions that may occur after reporting.

Insurance & Protection Benefits

• Air Accident Insurance: ₹1 Crore
• Emergency Overseas Medical Insurance: ₹15 Lakhs
• Credit Shield Cover: ₹5 Lakhs in case of death or disability

Reward Points Program

A. Earning Reward Points

• Earn 4 Reward Points for every ₹150 spent on all eligible retail purchases.
• This includes spends on categories like insurance, education, and utilities.
• Earn 20(5X) Reward Points on every ₹150 retail spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa!
• Earn up to 10X Reward Points on select categories when you shop via the HDFC SmartBuy platform.

B. Redeeming Reward Points

• Travel Bookings via SmartBuy: 1 RP = ₹0.50 (Flights and Hotels)
• Airmiles Conversion via NetBanking: 1 RP = 0.5 Airmile
• Exclusive Gold Catalogue: 1 RP = Rs 0.65 on premium brand vouchers (via Smartbuy portal)
• Cashback: 1 RP = ₹0.20

1. Earning Reward Points

• Earn 4 Reward Points (RP) for every ₹150 spent on eligible retail transactions.
• Eligible categories include insurance, utilities, education, etc.
• Ineligible categories (no RP earned):
  • Fuel
  • E-wallet loading
  • EasyEMI transactions
  • Rent, government services, and property management (effective Jan 1, 2023)
• SmartEMI conversions will lead to reversal of originally earned Reward Points.
• If the credit card remains inactive for over 365 days, all accumulated points will be forfeited.
• Reward Points on insurance spends are capped at 2,000 RP per day.
• Minimum transaction value for RP eligibility: ₹150.

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2. Accelerated Rewards – SmartBuy & 5X Merchants

SmartBuy Platform

• Earn up to 10X RP on select categories like flights, hotels, and partner brands when booked via HDFC SmartBuy.
• Subject to individual category caps and SmartBuy terms.
• Redemption via SmartBuy (travel):
  • Redeem up to 70% of the total amount using RPs; balance must be paid via the credit card.
  • Capped at 50,000 RPs per calendar month.
  • Miles conversion also capped at 50,000 RPs/month.

5X Reward Points Benefit – Select Merchants

• Earn 5X RP on spends at: Myntra, Nykaa, Reliance Digital, and Marks & Spencer.
• Applies to both online (e-com) and POS transactions.
• Cap: Maximum 5,000 bonus RPs/month across all eligible merchants combined.
• Base RPs (4/₹150) continue without caps.
• Eligibility conditions:
  • Payment must be made directly using the Regalia Gold Credit Card (wallet transactions excluded).

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3. Redemption of Reward Points

• Travel via SmartBuy (flights, hotels, experiences):
  • Redeem up to 70% of the value using RPs; balance paid by card.
• Gift Vouchers & Merchandise:
  • Up to 70% of product value redeemable via points.
• Statement Credit (Cashback):
  • Redemption capped at 50,000 RPs/month (effective Feb 1, 2023).

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4. Additional Terms & Caps

• Grocery transactions: Max 2,000 RPs/month.
• Utility & Telecom bills: Max 1,500 RPs/month each (effective Sep 1, 2024).
• Education payments: RP awarded only when paid directly via institution’s site/POS (not through CRED, Cheq, etc.).
• Rent via third-party platforms:
  • A 1% fee applies from the second rent payment onward each month.
• Foreign INR transactions:
  • A 1% markup fee applies when transacting in INR with overseas merchants or platforms.
• RP Validity: 2 years from the date of accrual (e.g., points earned in July 2023 expire in July 2025).
• Monthly earning cap: Maximum 50,000 RPs can be earned per statement cycle (effective Oct 1, 2023).

Eligibility Criteria

For Salaried (Non-Government Employees):

• Age: 21 to 60 years
• Net Monthly Income: Above ₹1,50,000

For Self-Employed (Non-Government Professionals):

• Age: 21 to 65 years
• Annual Income (as per ITR): Above ₹18 lakhs

For Salaried (Government Employees):

• Age: 21 to 60 years
• Net Monthly Income: Above ₹1,00,000

Upgrade Options

Existing HDFC Bank Credit Card users can request an upgrade to Regalia Gold if:

• Their current card has a credit limit of ₹3 lakhs or above.