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HDFC Bank Regalia Gold Credit Card

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HDFC Bank Regalia Gold Credit Card
Credit Card Name HDFC Bank Regalia Gold Credit Card
Apply For This Card
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

C. Reward Points Terms and Conditions

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.

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).

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).

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.
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