The HDFC Bank Regalia Gold credit card is one of the India’s most rewarding premium cards offering 5X reward points, travel benefits, and lifestyle privileges; it offers a perfect balance of luxury and practicality. This reward point type card specially designed for high-spending professionals and frequent travelers. Whether you’re booking flights, shopping online, or dining out, this card ensures you earn maximum rewards while enjoying benefits like complimentary airport lounge access and global concierge service.
In this blog, we’ll explore the features, benefits, eligibility, fees, rewards, pros and cons, and who should apply for the HDFC Bank Regalia Gold credit card. Whether you want to save more on shopping, travel, or dining, or simply looking for a credit card that reflects your premium lifestyle, this detailed guide will help you decide if the Regalia Gold Credit Card by HDFC Bank is the right fit for you.
Key features:
- Complimentary Swiggy One and MMT Black Gold membership as Welcome benefits.(w.e.f 1st Nov’24 Swiggy One replaces Club Vistara Silver Tier)
- ₹ 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
- ₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and an additional voucher of Rs. 5000 on spends of Rs. 7.5 lakhs.
- 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!
- Complimentary lounge access at over 1000 airports
- 4 Reward Points on every Rs.150 spent (On retail* spends)
- Zero Lost card liability : In the unfortunate event of losing your HDFC Bank Regalia Gold Credit Card, on reporting it immediately to our 24-hour call centre (Toll free numbers 1800 1600/1800 2600. Customers traveling overseas can reach us at 022-61606160), you have zero liability on any fraudulent transactions made on your credit card.
- Foreign Currency Markup : 2% on all your foreign currency spends.
- Revolving Credit : Enjoy Revolving Credit on your HDFC Bank Regalia Gold Credit Card at nominal interest rate. Refer to the Fees and Charges section to know more.
- Welcome Benefit; Pay your Joining Membership Fee and get Gift Voucher equivalent to Fee Amount = Rs.2,500
Complimentary Swiggy One and MMT Black Gold Membership when you spend Rs. 1 Lakhs and above within 90 days of card issuance. (w.e.f 1st Nov’24 Swiggy One replaces Club Vistara Silver Tie
- Good Food Trail Program; Indulge in mouth-watering discounts! Pay with your HDFC Bank Regalia Gold Credit Card and enjoy FLAT 10% EXTRA OFF* on dining bills at 35K+ restaurants
- Get ₹ 1,500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend Rs. 1.5 Lakhs in every calendar quarter.
- Get ₹ 5,000 worth flight vouchers when you spend Rs. 5 Lakhs spends in an anniversary year
- Get additional ₹ 5,000 worth flight vouchers when you spend Rs. 7.5 Lakhs spends in an anniversary year
- Spend Rs. 4 Lakhs in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year.
- The HDFC Bank Regalia Gold Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
Reward Point/CashBack Redemption & Validity
Reward Points Accrual:
- Earn 4 Reward Points on every Rs.150 retail* spends including Insurance, Utilities and Education
- Earn 20 Reward Points on every Rs.150 retail* spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa!
Reward Point Redemption:
You can redeem your Reward Points on smartbuy or Netbanking. Reward Points can be redeemed for:
- Exclusive Gold Catalogue on select Premium brands via Smartbuy at a value of 1 RP = Rs 0.65
- Flights and hotel bookings via Smartbuy at a value of 1 RP = Rs 0.5
- Airmiles conversion through Netbanking or SmartBuy at a value of 1RP = upto 0.5 airmiles
- Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = upto Rs 0.35
- The redemption against the statement balance will be at the rate of 1 RP = Upto Rs 0.20
Lounge Access
A. Complimentary Airport Lounge Access within India
- 12 complimentary access within India (both at domestic and international terminals) using the HDFC Bank Regalia Gold Credit Card.
- Swipe your HDFC Bank Regalia Gold Credit Card at the lounge to avail the complimentary lounge access
- Click here to check the list of lounges
- Visits exceeding the complimentary quota & Lounges not covered under the programme will be allowed at the discretion of lounge and will also be chargeable by the Lounge.
B. Priority Pass
- Using Priority Pass, you and your add-on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India.
- You can apply for Priority Pass for self and add-on members.
- If you exceed the 6 Complimentary visits, you will be charged at US $27 + GST per visit
- If you use your Priority Pass for lounge access within India, you will be charged at US $27 + GST per visit
- Guests accompanying primary card holder must have an Add-on credit card with their own Priority Pass.
Eligibility Criteria:
| Job Type: | Age: | Net Income: |
| Salaried Non Govt. | 21-60 years | RS 1,50,000 + |
| Salaried Govt. | 21-60 years | ITR > RS 18 Lakhs per annum |
| Self employed | 21-65 years | RS 1,00,000 + |
Who the card is a good fit for
This card is more suitable if you match several of the following characteristics:
- High income / high spend profile
- The card’s eligibility criteria require, for example, a minimum net monthly income of > ~₹1,00,000 for salaried individuals.
- For self-employed, ITR of at least ~₹12 lakh per annum is indicated.
- If you spend significantly (hundreds of thousands of rupees annually) and can meet milestone spends or annual spends to unlock major benefits, this card starts to deliver value. For example: milestone of ₹4 lakh annual spend to get renewal fee waived.
- Travel & lounge access / premium lifestyle benefits matter to you
- The card offers complimentary airport lounge access, both domestic and international.
- Also offers concierge service, travel/airport-related insurance benefits, etc.
- If you travel frequently (domestic and / or international) or value premium lifestyle perks, this adds to the appeal.
- You shop in the accelerated categories and will maximize rewards
- The card gives accelerated reward points: e.g., 5× reward points at select merchants (Marks & Spencer, Myntra, Nykaa, Reliance Digital) for every ₹150 spent.
- If you already spend in those categories (premium retail, fashion, electronics) and will take advantage of them, then the card can yield stronger returns.
- You can handle the annual fee (and possibly meet waiver criteria)
- The joining/renewal fee is ~₹2,500 + taxes.
- But the fee can be waived if you meet a certain spend threshold (e.g., spend ~₹4 lakh in an anniversary year) which makes it effectively free if you qualify.
- So if your spend is high enough and you can commit to using the card regularly, you can make that fee “worth it”.
- You are comfortable redeeming and using the reward structure
- There are redemption options (via SmartBuy, vouchers, flight vouchers, etc). If you are someone who uses these and structures your spend accordingly, you can extract more value.
Who the card may not be a good fit for
- Low spend / occasional card usage
- If you don’t spend enough annually (say you spend much less than ₹2-4 lakh), the benefits might not justify the fee + the “hard work” of optimizing rewards. Reviewers point out that the high spending thresholds for milestone benefits make it less useful for low-spenders.
- If you seldom travel or use lounge benefits, then the travel perks may go unused (reducing value).
- You primarily spend outside the select accelerated categories
- If your spending is mostly in categories that don’t qualify for the higher reward multiplier (e.g., everyday groceries, fuel, etc), then you will earn only the base reward rate (4 Reward Points per ₹150) which may not be outstanding compared to other offers.
- Some categories (transportation, fuel, etc) may even have exclusions or lower benefit.
- You dislike or can’t meet high spending / milestone requirements
- The card’s value proposition is better when you meet milestones (quarterly spend of ₹1.5 lakh, annual spend of ₹5 lakh / ₹7.5 lakh for flight vouchers etc)
- If you know you cannot meet those thresholds, the benefits you will actually use may not offset the cost and complexity.
- You want high reward flexibility / or better redemption value
- Some reviews point out that while the card has good perks, the redemption value (especially for converting points to cash or statement credit) is not as high as some peers.
- If your priority is just “simple cashback” or very high redemption flexibility without needing to optimize, maybe a different card would be simpler.
- You rarely travel internationally, and lounge access is not a need
- If international lounge access, travel insurance, concierge are not services you will use, then many of the premium benefits go unused, reducing the overall ROI of holding the card.
After exploring all its feature, benefits, it’s clear that the HDFC Bank Regalia Gold Credit card is one of the best premium reward type credit card in India. From luxury travel benefits to 5X reward points and milestone rewards; this card brings true value for those who spend smartly. However, if your spending is limited or you rarely travel, you may not fully benefit from its premium perks.
In short, If you want a credit card that enhances your lifestyle and rewards every spend, the HDFC Regalia Gold credit card is an excellent choice in 2025.
Related blogs:
1)“HDFC Bank Swiggy Credit Card-Ultimate Review, Complete Guide-2025.”: HDFC Bank Swiggy Credit Card-Ultimate Review, Complete Guide-2025. – Merchant Blogger
2)”The Complete Guide to HDFC UPI RuPay Credit Card 2025.”:The Complete Guide to HDFC UPI RuPay Credit Card 2025. – Merchant Blogger
3)” The Ultimate HDFC Bank Pixel series-Benefits, Key Features, Complete Guide-2025”: The Ultimate HDFC Bank Pixel series-Benefits, Key Features, Complete Guide-2025 – Merchant Blogger #creditcard #smartmoney #hdfcbank #regaliagold #hdfcbankregalia #regaliagoldcreditcard #hdfcregaliagoldcreditcard #hdfcbankregaliagoldcreditcard