The HDFC Regalia Gold Credit Card provides you with a luxury experience which is designed to combine elegance with everyday practicality. The joining pay you need to pay is ₹2,500 and after this, the person will be able to receive a gift voucher of equal value. Earn up to 10x reward points for every ₹150 spent, plus complimentary access to airport lounges, making every journey special. Enjoy exclusive discounts at top lifestyle brands, milestone flight vouchers, and comprehensive insurance coverage. With benefits like fuel surcharge waivers, every moment spent with this card is truly rewarding.
Credit Card Overview
| Category | Details |
|---|---|
|
Type of Card |
Premium Credit Card |
|
Annual Fee |
₹2,500 + GST |
|
Reward Rate |
2.6%-26% |
|
USP |
5x reward points on brands like Nykaa, Myntra, Marks & Spencer and Reliance Digital |
|
Best Use For |
Retail spending |
Joining & Renewal Fees
The HDFC Regalia Gold Credit Card comes with an annual fee, justified by its welcome benefits and many other exciting benefits.
| Category | Details |
|---|---|
|
Joining Fee |
₹2,500+ GST |
|
Joining Benefit |
Gift Voucher equivalent to Fee Amount (worth ₹2,500) |
|
Welcome Benefit Criteria |
Make the payment of membership Fees. |
|
Renewal Fees |
₹2,500+ GST |
|
Renewal Benefit |
Nil |
|
Renewal Waiver |
Spend ₹4 lakh or more in the preceding 12 months and get the renewal membership fee waived for next year. |
Cashback Points Earning Potential
Milestone Benefit
Cashback Redemption
This card offers various redemption value at different segments.
| Type | Value of 1 Reward point |
|---|---|
|
Product Catalogue |
upto 0.35 |
|
Unified SmartBuy (Flights/Hotels) |
0.5 |
|
Cashback |
0.20 |
|
Airmiles |
0.5 Airmiles |
|
Exclusive Gold Catalogue |
0.65 |
Design & Appearance
The HDFC Regalia Gold Credit Card is a combination of both functionality and style. This card comes with a sleek design of gold-toned colour which reflects its premium status. With a contactless payment feature for added convenience and an EMV chip for secure transactions, it’s as practical as it is elegant. The card’s subtle texture, the iconic HDFC logo, and the cardholder’s name embossed in a gold finish all come together to create a truly luxurious look.
Airport Lounge Access
| Benefit | Domestic | International |
|---|---|---|
|
Lounge Visits |
12 |
6 |
Enjoy seamless travel with the HDFC Bank Regalia Gold Credit Card. Get 12 complimentary lounge visits annually across India and up to 6 international lounge accesses via Priority Pass for you and your add-on cardholder. Apply for Priority Pass after completing four retail transactions. Travel comfortably, wherever you go!
Foreign Currency Transaction Fee (Forex)
The HDFC Regalia Gold Credit card charges a 2% fee+ G.S.T on foreign currency transactions.
Eligibility and Application
The card is available to individuals with a monthly Salary of ₹1.5 lakh and for self-employed, who have an annual income of at least ₹ 18 lakh as per your ITR with good credit score.
Fuel Surcharge Waiver
The card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 maximum waiver amount is capped at ₹250 per statement cycle.
Add-On Cards
The HDFC Credit Card allows cardholders to avail add-on cards. These add-on cards share the same benefits as the primary card, making it easier for family members to enjoy the perks.
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Frequently Asked Questions
You will receive gift voucher worth ₹2500
The maximum reward rate can be achieved by spending ₹7.5 lakh annualy.
Rent payments made through this credit card are not eligible for any reward points.
The annual fee is ₹2,500+ GST.
Conclusion
The HDFC Regalia Gold Credit Card offers unmatched rewards and exclusive perks, perfect for travelers and shoppers alike. With benefits like lounge access, milestone flight vouchers, and comprehensive insurance coverage, it combines luxury and value, making everyday spending and travel experiences more rewarding and exceptional.