HDFC Bank Regalia Gold Credit Card Review

The HDFC Bank Regalia Gold Credit Card is a highly sought-after offering in the market, known for providing an array of exceptional travel and lifestyle privileges to its cardholders. Recently launched by HDFC Bank, this credit card is designed to cater to the needs of individuals who desire luxurious travel experiences and stylish shopping opportunities. With exclusive rewards and offers, the Regalia Gold Credit Card sets itself apart as a premier choice for those seeking a touch of sophistication and indulgence.

HDFC Bank Regalia Gold Credit Card

Priced at an annual fee of Rs. 2500, the Regalia Gold Credit Card presents cardholders with an assortment of attractive benefits. On spending over Rs. 1 Lakh within 90 days of card issuance, customers are rewarded with a complimentary MMT Black Elite membership and Club Vistara Silver Tier membership. This feature ensures that travelers can enjoy enhanced privileges and benefits, making their journeys even more memorable.

One of the standout features of the Regalia Gold Credit Card is its robust reward program. Cardholders earn 4 Reward Points for every retail spend of Rs. 150 and enjoy accelerated 5x Reward Points on both in-store and online transactions at popular brands such as Nykaa, Reliance Digital, Myntra, and Marks & Spencers. These Reward Points can be redeemed through various channels, including Netbanking or Smartbuy, allowing users to avail themselves of exciting options such as flight and hotel bookings, Airmiles transfers, products and vouchers from the Exclusive Gold Catalogue, and even cashback.

In addition to its rewarding benefits, the Regalia Gold Credit Card also offers a range of premium travel and insurance benefits. These additional perks further enhance the cardholder’s experience, providing peace of mind and added convenience during their travels.

As we delve deeper into our HDFC Bank Regalia Gold Credit Card review, we will explore the card’s features, benefits, and finer details, enabling you to make an informed decision about this premium lifestyle card offered by HDFC Bank.

HDFC Bank Regalia Gold Credit Card – Features & Benefits

Welcome Benefits

  • Exclusive Memberships: Enjoy complimentary MMT Black Elite and Club Vistara Silver Tier memberships when you spend over Rs. 1 Lakh within 90 days of receiving the credit card.
  • Club Vistara Silver Tier Membership: Unlock privileges such as a complimentary class upgrade voucher, additional check-in baggage allowance, priority check-in, and earning 9 CV Points for every Rs. 100 spent.
  • MMT Black Elite Membership: Experience perks like a 10% extra discount on select hotels, early check-ins, free room upgrades, and discounts on beverages and food at specific hotels. Make travel spends on MakeMyTrip and earn My Cash, which can be used for bookings. Enjoy exclusive access to MMT Black Fest. Complimentary memberships are valid for one year.

Milestone Benefits

  • Flight Tickets and Gift Vouchers: Earn complimentary flight tickets and gift vouchers based on annual and quarterly spend milestones.
  • Rs. 1.5 Lakhs Quarterly Spend: Receive vouchers worth Rs. 1500 from M&S, Myntra, Marriott, and Reliance Digital. Redeem one voucher per quarter from any merchant.
  • Rs. 7.5 Lakhs Card Anniversary Year Spend: Unlock a complimentary flight ticket worth Rs. 5000. Generate the voucher code upon achieving the annual spend milestone.

Travel Benefits

  • Domestic Lounge Access: Enjoy 12 complimentary domestic lounge visits at Indian airports annually for both international and domestic terminals. Additional visits are charged by the airport lounge.
  • International Lounge Access: Access six complimentary international lounges each year through the Priority Pass for both the primary and add-on cardholders. Apply for Priority Pass membership after completing at least four transactions on the Regalia Gold card. Additional visits cost USD 27 plus GST.
  • Airport Pick and Drop: Avail airport pick and drop service by booking flight tickets through the Regalia Gold Unified Smartbuy portal. Generate the voucher code and use it in the Ola application.

Annual Spend-Based Waiver

  • Renewal Fee Waiver: Spend Rs. 4 Lakhs in the card anniversary year to have the card renewal fee waived off.

Insurance Benefits

  • Accidental Air Death Cover: Receive coverage up to Rs. 1 Crore in the event of accidental air death.
  • Emergency Hospitalization Cover: Get coverage up to Rs. 15 Lakhs for emergency hospitalization.
  • Credit Liability Cover: Enjoy credit liability coverage worth Rs. 9 Lakhs.

Reward Points

  • Earning Potential: With the HDFC Bank Regalia Gold Credit Card, you have the opportunity to earn Reward Points on your everyday spending, maximizing the value of your purchases.
  • Retail Transactions: Earn 4 Reward Points for every Rs. 150 spent on retail transactions, including utilities, insurance, and education expenses. Please note that there is a maximum cap of 2000 Reward Points per month on grocery transactions and 2000 Reward Points per day on insurance transactions.
  • Partner Brands: Enjoy an accelerated reward rate of 20 Reward Points for every Rs. 150 spent at popular partner brands such as Myntra, Marks and Spencers, Nykaa, and Reliance Digital. It’s important to keep in mind that there is a maximum cap of 5000 Reward Points across all these brands.
  • Flexible Redemption Options: The Reward Points earned can be redeemed through various channels, providing you with a range of options to choose from. You can redeem your points for flight and hotel bookings, transfer them to Airmiles, explore products and vouchers on the Exclusive Gold Catalogue, or even opt for cashback.
  • Enhanced Benefits: By accumulating Reward Points, you can unlock exclusive benefits and privileges, further enhancing your overall experience as a Regalia Gold cardholder. Whether you prefer to indulge in luxury travel, enjoy shopping sprees, or seek financial flexibility, the Reward Points program adds value to your lifestyle choices.

With the HDFC Bank Regalia Gold Credit Card’s Reward Points program, you can earn and accumulate points on a wide range of transactions, making each purchase a step closer to exciting rewards and benefits.

Reward Points Redemption

  • Flexible Redemption Options: The HDFC Bank Regalia Gold Credit Card offers various ways to redeem your accumulated Reward Points (RPs), providing you with a range of choices to suit your preferences and needs.
  • Flight and Hotel Bookings: Redeem your RPs for flight and hotel bookings through the Smartbuy portal. Enjoy a redemption rate of 1 RP = Rs. 0.50, allowing you to offset a portion of your travel expenses.
  • Airmiles Conversion: Convert your RPs into airmiles through Netbanking, enabling you to enhance your travel experiences further. The conversion rate is 1 RP = 0.50 Airmiles, allowing you to boost your loyalty program balances.
  • Products and Gift Vouchers: Redeem your RPs for a wide selection of products and gift vouchers available on the Smartbuy portal. Enjoy the flexibility to choose from various categories, ranging from electronics to lifestyle products. The redemption rate is 1 RP = Rs. 0.35, ensuring value for your earned points.
  • Exclusive Gold Catalogue: Explore the Exclusive Gold Catalogue on Smartbuy, where you can redeem your RPs for premium products and vouchers. This curated collection offers an elevated range of options, and the redemption rate is 1 RP = Rs. 0.65, allowing you to indulge in luxury and sophistication.
  • Cashback Redemption: If you prefer the convenience of cashback, you can redeem your RPs against your card statement balance. Enjoy a redemption rate of 1 RP = Rs. 0.20, helping you offset your outstanding balance and providing financial flexibility. Please note that there is a maximum cap of 50,000 RPs per month for cashback redemption.

With the HDFC Bank Regalia Gold Credit Card’s Reward Points Redemption options, you have the freedom to choose how you want to utilize your earned points. Whether it’s reducing travel expenses, accumulating airmiles, acquiring products and gift vouchers, exploring the Exclusive Gold Catalogue, or obtaining cashback, the redemption program ensures that your Reward Points add value and cater to your specific preferences.

HDFC Regalia Gold Credit Card Fees and Charges

  • Joining/Annual Fee: The HDFC Regalia Gold Credit Card carries a joining fee and an annual fee of Rs. 2500 plus applicable taxes. However, you have the opportunity to avail an annual fee waiver by spending Rs. 4 Lakhs in the previous year, offering potential savings on the card’s maintenance costs.
  • Interest Rate: The card’s interest rate is set at 3.6% per annum, which translates to 43.2% per year. It’s important to manage your credit card payments diligently to avoid accruing high-interest charges.
  • Cash Advance Fee: When using the credit card for cash withdrawals, a cash advance fee applies. You will be charged either a minimum fee of Rs. 500 or 2.5% of the withdrawal amount, whichever is higher. It’s advisable to minimize cash advances and opt for other payment methods whenever possible to avoid additional charges.
  • Forex Markup Fee: For transactions made in foreign currencies, the HDFC Regalia Gold Credit Card applies a forex markup fee of 2% of the transaction value. This fee is important to consider when using the card for international purchases or while traveling abroad.
  • Fuel Surcharge Waiver: The card offers a convenient benefit of a 1% fuel surcharge waiver at fuel stations across India. This waiver applies to transactions ranging from Rs. 400 to Rs. 5000, allowing you to save on fuel expenses.

Understanding the fees and charges associated with the HDFC Regalia Gold Credit Card is essential for managing your card effectively. By being aware of the joining/annual fee, interest rate, cash advance fee, forex markup fee, and the fuel surcharge waiver, you can make informed decisions and utilize the card in a way that maximizes its benefits while minimizing costs.

HDFC Bank Regalia Gold Credit Card Eligibility

  • Age Criteria: To be eligible for the HDFC Bank Regalia Gold Credit Card, self-employed individuals should be between 21 to 65 years of age, while salaried individuals should be between 21 to 60 years of age. It’s important to meet the specified age requirements to qualify for the credit card.
  • Income Requirements: The Regalia Gold Credit Card has specific income criteria. Self-employed individuals need to have a minimum annual income of Rs. 12 Lakhs, while salaried individuals should have a minimum monthly income of Rs. 1 Lakh. Meeting the income requirements is crucial to demonstrate your financial capability for handling the card.
  • Credit Score and History: In addition to age and income, having a good credit score and credit history is vital for credit card approval. Lenders assess your creditworthiness based on these factors to determine your eligibility. Maintaining a positive credit record increases your chances of obtaining the Regalia Gold Credit Card.
  • Document Requirements: When applying for the credit card, you will need to provide certain documents as part of the application process. The necessary documents include:
    • ID Proof: Voter ID, Aadhar Card, Passport, PAN Card, or Driving License.
    • Address Proof: Ration Card, Aadhar Card, Passport, Utility Bills, or Rent Agreement.
    • Income Proof: Latest bank statements, recent salary slips, or audited Income Tax Returns (ITR).

Ensuring that you meet the age and income criteria, possess a good credit score, and have the necessary documents ready will enhance your chances of meeting the eligibility requirements for the HDFC Bank Regalia Gold Credit Card. By fulfilling these conditions, you can proceed with the application process and enjoy the exclusive privileges and benefits offered by the card.

Finances rule

Also read:


What makes the HDFC Bank Regalia Gold Credit Card worth considering?

The card’s impressive features, rewards, and benefits, along with its reliable reputation and customer service, make it a valuable option for individuals seeking a premium lifestyle and travel credit card.

Is the Regalia Gold credit card suitable for frequent travellers?

Yes, the card offers benefits like flight vouchers, airport lounge access, and other travel-related perks, making it an attractive choice for frequent travellers.

Is it possible to convert the Reward Points obtained from using the Regalia Gold Credit Card into cashback?

Certainly, cardholders have the option to redeem their Reward Points as cashback, which will be applied towards reducing their card statement balance. The conversion rate for redemption is 1 Reward Point equivalent to Rs. 0.20, and there is a monthly limit of 50,000 Reward Points that can be redeemed.


The Regalia Gold credit card from HDFC Bank is a highly popular card known for its exceptional lifestyle and travel benefits. With this card, you can enjoy a range of exciting welcome and milestone benefits, as well as earn reward points on all your retail spending.

One of the standout features of the Regalia Gold credit card is the opportunity to earn accelerated reward points with partner merchants. These points can be redeemed for various options, including cashback, flight and hotel bookings, Airmiles, and products from the Exclusive Gold Catalogue. This provides you with flexibility and the ability to make the most of your earned points.

For frequent travelers, the Regalia Gold credit card offers additional perks. You can earn flight vouchers upon reaching specific spending milestones, allowing you to enjoy discounted or complimentary flights. Furthermore, the card provides access to both domestic and international airport lounges, ensuring a comfortable and convenient travel experience.

If you are a responsible credit card user who values a range of benefits and a rewarding program, the Regalia Gold credit card is definitely worth considering. Its impressive features and rewards make it an excellent choice for those seeking a credit card that enhances their lifestyle and travel experiences.

Financesrule telegram

Author: Vedanti KiranVedanti is a female finance writer, currently pursuing her studies at Hansraj College. She has a passion for writing and travelling, and her articles on the stock market, finance, investment, and cryptocurrency are well-researched and informative. With her unique perspective on the world of finance, Vedanti is a go-to source for those seeking insights into the world of finance.

Leave a Reply