HDFC
HDFC Regalia Gold Credit Card
This is an invite only card
Apply and get ₹1100 Rewards
Top Benefits
Earn 10X SmartBuy Points on IGP.com, Jockey and Pharmeasy
transactions through SmartBuy, within the Regalia SmartBuy cap of 4,000 reward points per month and 2,000 per day
Get Lounge Access with 12 Domestic& 6 International Airport
lounge visits per calendar year using Priority Pass
Best For
Shopping
Travel
The HDFC Regalia Gold Credit Card stands as one of the most robust lifestyle and travel credit cards ...
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The HDFC Regalia Gold Credit Card stands as one of the most robust lifestyle and travel credit cards ...
The HDFC Regalia Gold Credit Card stands as one of the most robust lifestyle and travel credit cards in the Indian market today. Designed for high spenders and frequent travelers, this card packs a serious punch with complimentary airport lounge access, milestone flight vouchers, and accelerated rewards on popular shopping brands. If you frequently shop at Myntra, Nykaa, or Marks and Spencer, and spend around Rs. 4 lakh to Rs. 5 lakh annually, this card effortlessly turns your routine expenses into premium travel experiences.
What sets the Regalia Gold apart from standard reward cards is its powerful milestone program. Instead of trickling small amounts of cashback into your account, it rewards consistent spending with high-value vouchers. For instance, hitting Rs. 5 lakh in annual spends nets you a Rs. 5,000 flight voucher, effectively adding a flat 1% bonus return on your yearly expenses. While the base reward rate caters to everyday retail therapy, the true value of this card shines when you consolidate your household, travel, and shopping spends onto it.
Targeted at upper-middle-class professionals with a minimum annual income of Rs. 18 lakh, the HDFC Regalia Gold requires a solid financial profile. However, if you meet the criteria, it serves as a massive upgrade over entry-level cards. It perfectly bridges the gap between basic cashback cards and ultra-premium luxury cards, offering practical benefits you will actually use without an exorbitant fee structure.
View FAQ
Commonly Asked Questions
Is the HDFC Regalia Gold a lifetime free credit card?
No, the card comes with a standard joining and annual fee of Rs. 2,500 plus taxes. HDFC Bank offers the card as First Year Free during specific promotional periods. You can also get the annual fee waived by spending Rs. 4 lakh in a year.
Who is the ideal user for the HDFC Regalia Gold?
This card is perfect for individuals who spend at least Rs. 35,000 monthly and enjoy traveling. If you frequently shop at Myntra or Reliance Digital and take a few flights a year, you will easily recover the fee and enjoy significant profit through milestone vouchers.
Is this a good first credit card?
Given the strict eligibility requirement of an Rs. 18 lakh annual income and a 750 CRIF score, this is generally not suitable as a first credit card. It is designed as an upgrade for users who already have an established credit history and higher spending capacity.
What makes this card different from the standard HDFC Regalia?
The Regalia Gold offers superior milestone benefits, specifically the Rs. 5,000 flight vouchers on spending Rs. 5 lakh and Rs. 7.5 lakh. It also includes exclusive 5X reward point multipliers on brands like Nykaa and Marks and Spencer, making it far more lucrative for modern shoppers.
Expert Review
As a credit card expert reviewing the HDFC Regalia Gold, I find it to be an incredibly well-calibrated product for the right demographic. The addition of the Rs. 5,000 flight vouchers at the Rs. 5 lakh and Rs. 7.5 lakh milestones completely transforms the value proposition of this card. When you combine those vouchers with the 5X reward multipliers at highly popular brands like Nykaa and Myntra, you end up with a travel and lifestyle card that pays for itself multiple times over.
However, the card does have a glaring weakness: its base reward rate. At an effective return of roughly 0.53% on non-partner retail spends, it drastically underperforms compared to straightforward cashback cards that offer a flat 1% to 2% everywhere. Furthermore, the massive exclusion list—covering utilities, insurance, and rent—means you cannot use large household bills to hit your milestone targets.
My verdict? If you meet the steep Rs. 18 lakh income requirement and comfortably spend around Rs. 40,000 a month on shopping and travel, get the Regalia Gold. The Priority Pass lounge access, low 1.99% forex markup, and massive flight vouchers make it a spectacular companion for vacations. But if you are looking for flat cashback on everyday utility bills and groceries, you are better off looking elsewhere.
Joining/Annual Fee
Joining Fees
₹2,950 ( ₹2500 + GST )
Annual Fees
₹2,950 ( ₹2500 + GST )
Holding premium benefits requires a premium fee structure, but HDFC provides clear avenues to offset ...
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Holding premium benefits requires a premium fee structure, but HDFC provides clear avenues to offset ...
Holding premium benefits requires a premium fee structure, but HDFC provides clear avenues to offset these costs. The Regalia Gold comes with a one-time joining fee of Rs. 2,500 plus applicable taxes. The bank immediately softens this blow by offering a Rs. 2,500 welcome voucher redeemable at select partner brands. Essentially, your upfront cost is returned to you in the form of shopping value. During select promotional periods, the bank offers the card as First Year Free (FYF), meaning you pay nothing at issuance.
From the second year onwards, an annual renewal fee of Rs. 2,500 plus taxes is charged to your statement. However, HDFC rewards active users with an annual fee waiver. If you spend Rs. 4 lakh or more within your 12-month card anniversary year, the bank completely waives the renewal fee for the subsequent year.
To hit the Rs. 4 lakh waiver target, you need to spend roughly Rs. 33,333 per month on the card. Given that this card is aimed at people earning Rs. 1.5 lakh monthly, routing household expenses, groceries, and travel through the Regalia Gold makes hitting the waiver threshold incredibly easy.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The one-time joining fee is Rs. 2,500 plus 18% GST. This is charged in your first statement cycle.
Is there a welcome bonus to offset the joining fee?
Yes, paying the joining fee unlocks a welcome voucher worth Rs. 2,500, which you can redeem at select top brand partners, making your first year cost-neutral.
Can the joining fee be waived entirely?
During certain promotional campaigns, HDFC Bank offers the card as First Year Free (FYF). In this scenario, the initial Rs. 2,500 fee is fully waived, though you won't get the welcome voucher.
What is the annual or renewal fee?
Starting from the second year, an annual renewal fee of Rs. 2,500 plus applicable taxes is charged on your card anniversary month.
Is there an annual fee waiver option?
Yes, the bank will waive your Rs. 2,500 annual fee if you spend Rs. 4 lakh or more during the previous 12 months.
What is the spending requirement for the annual fee waiver?
You need to spend Rs. 4 lakh annually. This averages out to about Rs. 33,333 in monthly credit card spends across shopping, dining, and travel.
Do EMI conversions count toward the fee waiver target?
The principal amount of the purchase counts toward the milestone at the time of the transaction, while interest and processing fees are excluded from the waiver calculation.
How can I get this card lifetime free?
Lifetime free offers are strictly invite-only for high-net-worth individuals or top-tier corporate salary account holders.
What happens if I only spend Rs. 3.5 lakh in a year?
If you fall short of the Rs. 4 lakh target, the full annual fee of Rs. 2,500 plus taxes will be charged to your card account on your renewal date.
Are cash withdrawals included in the waiver spend calculation?
No, cash withdrawals, wallet loads, and fees are not considered valid retail spends and will not help you reach the Rs. 4 lakh waiver target.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
18LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
No
HDFC Bank maintains strict eligibility rules for the Regalia Gold, positioning it firmly in the premi...
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HDFC Bank maintains strict eligibility rules for the Regalia Gold, positioning it firmly in the premi...
HDFC Bank maintains strict eligibility rules for the Regalia Gold, positioning it firmly in the premium category. Age plays a primary role. Salaried applicants must be between 21 and 60 years of age at the time of application. Self-employed individuals have a wider window, being eligible from 21 up to 65 years of age. This flexibility ensures business owners have ample time to utilize the card's business travel benefits.
The income requirement is the major filter for this card. Both salaried professionals and self-employed applicants must demonstrate a minimum annual income of Rs. 18 lakh. Salaried professionals require a steady take-home pay of at least Rs. 1.5 lakh per month to qualify. Self-employed individuals must show an equivalent Income Tax Return (ITR) documenting Rs. 18 lakh in annual earnings.
A strong credit history is absolutely mandatory. HDFC Bank requires a minimum CRIF score of 750 (which correlates closely with a 750+ CIBIL score). If your score is below 750 due to past missed payments or high credit utilization, your application will face rejection regardless of your income level.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary cardholder must be at least 21 years old to be eligible for the Regalia Gold credit card.
What is the maximum age limit for the primary cardholder?
Salaried individuals can apply up to the age of 60. Self-employed applicants are eligible to apply up to the age of 65.
What is the minimum salary required for salaried applicants?
Salaried professionals need a minimum annual income of Rs. 18 lakh. This breaks down to a monthly requirement of Rs. 1.5 lakh in verified salary credits.
What is the minimum annual income for self-employed applicants?
Business owners and self-employed professionals must provide an ITR demonstrating an annual income of at least Rs. 18 lakh to qualify.
Can self-employed individuals apply for this card?
Yes, both salaried and self-employed individuals are fully eligible, provided they meet the strict age, income, and credit score requirements.
What credit score (CIBIL/CRIF) is needed for approval?
You need a minimum CRIF credit score of 750 to meet the bank's internal eligibility criteria for this premium card.
Will my application be rejected if my credit score is below the requirement?
Yes, a CRIF score below 750 leads to rejection. Premium cards require a flawless repayment history to mitigate the bank's risk.
Can I apply using my spouse's income?
No, the primary applicant must meet the Rs. 18 lakh income requirement on their own merit. However, once approved, you can easily issue an add-on card for your spouse.
Do I need an HDFC salary account to get approved?
No, having an HDFC account is not mandatory. However, holding a premium banking relationship with HDFC smoothens the approval process and requires less documentation.
Can I get this card if I earn Rs. 12 lakh a year?
No. The bank strictly enforces the Rs. 18 lakh threshold. If your income is lower, you should apply for the HDFC Millennia or standard Regalia card instead.
All Card Benefits
- Earn 4 Reward Points per ₹200 on retail spends
- 5X Reward Points on Myntra, Nykaa, Reliance Digital & select merchants (capped at 5,000 RP per month)
- Reward Points capped at 50,000 per statement cycle
- Reward Points redemption value: Flights/Hotels ₹0.5 per RP, Catalogue ₹0.65 per RP, Cashback ₹0.20 per RP
- Quarterly milestone: ₹1,500 voucher on spends of ₹1.5 lakh per quarter
Welcome Benefits
Starting your journey with the Regalia Gold comes with immediate lifestyle perks....
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Welcome Benefits Starting your journey with the Regalia Gold comes with immediate lifestyle perks....
Welcome Benefits
Starting your journey with the Regalia Gold comes with immediate lifestyle perks. Upon successful card issuance and meeting the initial eligibility terms, you receive complimentary Swiggy One and MakeMyTrip (MMT) Black Gold memberships. The Swiggy One membership saves you hundreds of rupees on food delivery fees every month, while the MMT Black Gold tier offers exclusive discounts on hotel bookings and flight conveniences.
Additionally, the Rs. 2,500 joining fee is effectively neutralized right out of the gate. The bank provides a welcome voucher worth Rs. 2,500 redeemable across select partner brands. This means if you pay the joining fee, you get the exact value back in brand vouchers to use for your shopping needs.
Reward Points Structure and Milestones
The primary earning mechanism of this card is structured around retail spending and brand loyalty. For every Rs. 150 you spend on regular retail categories, you earn 4 Reward Points. Since each point is valued at Rs. 0.20 on the SmartBuy portal, your base reward rate is roughly 0.53%. For example, spending Rs. 15,000 on general shopping nets you 400 points, worth Rs. 80.
However, the value multiplies when you shop at preferred partners. You earn 5X Reward Points (20 points per Rs. 150) on spends at Marks and Spencer, Myntra, Nykaa, and Reliance Digital. This bumps your effective return to an impressive 2.66%. If you buy a smartphone worth Rs. 60,000 from Reliance Digital, you earn 8,000 points, which equals Rs. 1,600 in travel value.
The milestone benefits are where the Regalia Gold truly excels. Spending Rs. 1.5 lakh in a single quarter rewards you with vouchers worth Rs. 1,500. On an annual basis, hitting Rs. 5 lakh in spends grants you a Rs. 5,000 flight voucher. If you push your annual spending to Rs. 7.5 lakh, you receive an additional Rs. 5,000 flight voucher. Combining the quarterly and annual milestones can skyrocket your total reward yield.
Travel and Lounge Benefits
The Regalia Gold is heavily geared toward making your travel comfortable. You get access to the prestigious Priority Pass program, which opens doors to over 1,000 airport lounges worldwide. This is a massive advantage for international travelers who want a quiet space, free Wi-Fi, and complimentary food during long layovers.
Domestic travelers are equally covered with access to lounges across India. You also benefit from a 24x7 concierge service that can assist with complex travel bookings, itinerary planning, and global assistance. Between the milestone flight vouchers, the MMT Black Gold tier, and global lounge access, the card heavily subsidizes your yearly vacation costs.
Dining and Lifestyle Benefits
For food enthusiasts, the Regalia Gold offers dining privileges under the Good Food Trail Program. You can enjoy up to a 10% discount at partner restaurants when you pay your bill via the Swiggy Dineout feature on the Swiggy app. If you dine out frequently with family and run up a Rs. 4,000 bill, a 10% discount instantly saves you Rs. 400.
Beyond dining, the card offers excellent lifestyle value through PayZapp. You earn up to Rs. 1,000 in cashback across 200+ partner brands when using PayZapp for your transactions.
Insurance and Security Features
HDFC Bank provides a robust safety net for Regalia Gold cardholders. The card includes a massive accidental air death cover worth Rs. 1 crore, providing peace of mind for frequent flyers and their families. If you face a medical crisis while traveling abroad, the card provides emergency overseas hospitalization cover up to Rs. 15 lakh.
Additionally, you get a credit liability cover up to Rs. 9 lakh. The card also features Zero Lost Card Liability. This means if your card is lost or stolen, and you report it to the bank immediately, you are completely protected against any fraudulent transactions made on the card.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome vouchers?
You receive the Rs. 2,500 welcome voucher after paying the initial joining fee of Rs. 2,500 plus taxes. The voucher effectively offsets the cost of getting the card.
What are the benefits of the Swiggy One welcome membership?
Swiggy One provides free delivery on food orders above a certain threshold, extra discounts at partner restaurants, and free delivery on Instamart grocery orders. For a family ordering twice a week, this easily saves around Rs. 500 monthly.
When do I receive the MakeMyTrip Black Gold membership?
The MMT Black Gold membership is activated within the first few weeks of card usage as part of your welcome and travel benefit package.
Do I get the Rs. 2,500 voucher if my card is issued as First Year Free?
No, the welcome voucher is provided to offset the paid joining fee. If your joining fee is fully waived during a special bank promotion, you will not receive the Rs. 2,500 voucher.
What is the standard reward rate on this card?
You earn 4 Reward Points for every Rs. 150 spent on eligible retail transactions. Since each point is worth Rs. 0.20, this gives you a base return of approximately 0.53% on your everyday spending.
How do the 5X reward points work?
When you shop at Myntra, Nykaa, Marks and Spencer, or Reliance Digital, you earn 20 points per Rs. 150 spent instead of the usual 4 points. For example, a Rs. 3,000 purchase at Nykaa gives you 400 points worth Rs. 80.
What is the value of 1 reward point in rupees?
Each reward point is valued at Rs. 0.20 when redeemed through the HDFC SmartBuy portal for flights or hotels. This means you need 5 points to equal 1 Rupee in value.
Do I get points for paying utility bills?
No, utility bill payments are part of the bank's strict exclusion list. You will not earn any reward points when paying electricity, water, or gas bills with this card.
Are government payments eligible for rewards?
No, all government and statutory payments, including tax payments, are completely excluded from earning reward points.
How do the quarterly milestone vouchers work?
If you spend Rs. 1.5 lakh within a calendar quarter (like January to March), you receive a voucher worth Rs. 1,500. This effectively adds a 1% bonus return on that specific Rs. 1.5 lakh spend.
What happens when I spend Rs. 5 lakh in a year?
Upon reaching Rs. 5 lakh in annual spends, you earn a flight voucher worth Rs. 5,000. This is on top of any regular reward points or quarterly milestone vouchers you have already collected.
Is the Rs. 7.5 lakh milestone voucher a replacement for the Rs. 5 lakh one?
No, it is an additional benefit. If you spend Rs. 7.5 lakh in a year, you get the first Rs. 5,000 voucher at the 5-lakh mark, and a second Rs. 5,000 voucher at the 7.5-lakh mark, totaling Rs. 10,000 in flight vouchers.
Are wallet top-ups counted toward milestone spending?
No, wallet loads are excluded from both standard reward earnings and milestone calculations. Adding Rs. 10,000 to Paytm or Amazon Pay will not help you reach the Rs. 5 lakh annual target.
Do EMI transactions earn standard reward points?
No, EMI transactions are explicitly excluded. If you convert a large Rs. 50,000 purchase into an EMI plan, you forfeit the reward points for that specific transaction.
Which lounge program comes with this card?
The card offers global lounge access through the Priority Pass network, allowing you entry into over 1,000 international airport lounges worldwide.
Are domestic airport lounges included?
Yes, you enjoy 12 complimentary domestic airport lounge visits in India per calendar year.
Do I have to pay for food inside the lounge?
No, complimentary lounge access includes free buffet food, non-alcoholic beverages, Wi-Fi, and comfortable seating areas. Premium alcohol or spa services cost extra.
How do I use the 24x7 concierge service?
You can call the dedicated HDFC concierge toll-free number provided with your welcome kit. They help you book flights, reserve tables at premium restaurants, or arrange special event tickets.
How do I get the 10% dining discount?
You must use the Swiggy app, navigate to the Swiggy Dineout section, choose a partner restaurant, and pay your final dining bill using your Regalia Gold credit card to receive the discount.
Is the Good Food Trail available everywhere?
The program is available at thousands of participating premium restaurants across major Indian cities. You can check the list of eligible restaurants directly in the Swiggy app.
How does the PayZapp cashback work?
By linking your Regalia Gold card to the PayZapp application, you earn up to Rs. 1,000 cashback when shopping across 200+ listed brand partners, making mobile payments highly rewarding.
Does this card offer buy-one-get-one movie tickets?
No, the Regalia Gold does not offer any movie or entertainment benefits in its current feature list.
What is the value of the air accident insurance?
The card provides an accidental air death cover worth Rs. 1 crore. To be eligible for this claim, the flight ticket must be purchased using the Regalia Gold card.
Does the card cover medical emergencies in India?
The Rs. 15 lakh emergency hospitalization cover is specifically for overseas travel. Medical emergencies within India are not covered under this specific policy.
What does Zero Lost Card Liability mean?
If you lose your card and someone swipes it for Rs. 50,000, you will not have to pay that amount provided you report the loss to HDFC Bank's customer care immediately before the fraudulent transaction settles.
How does the credit liability cover work?
The Rs. 9 lakh credit liability cover protects you against outstanding card dues in certain severe cases like permanent disability or death, as per the detailed policy terms.
Milestone Benefits
Voucher Benefit(Worth ~ ₹6,000)
Spend ₹1,50,000 in 90 days
Voucher Benefit(Worth ~ ₹5,000)
Spend ₹7,50,000 in 365 days
Voucher Benefit(Worth ~ ₹5,000)
Spend ₹5,00,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 RP = ₹ 0.20
Redemption Options
- SmartBuy
To check redemption catalogue
The real joy of using the Regalia Gold comes during redemption. Unlike basic cashback cards that auto...
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The real joy of using the Regalia Gold comes during redemption. Unlike basic cashback cards that auto...
The real joy of using the Regalia Gold comes during redemption. Unlike basic cashback cards that auto-credit your statement, this card requires you to actively manage and redeem your points via the HDFC SmartBuy Portal. This portal acts as a one-stop shop where you can exchange your points for maximum value.
The conversion rate is simple: 1 Reward Point equals Rs. 0.20. Therefore, if you accumulate 25,000 points over the year through daily spends and 5X brand multipliers, you have Rs. 5,000 in pure value. You can navigate to the SmartBuy portal, select the flights or hotel booking section, and apply your points directly to the checkout cost.
Keep in mind that while travel bookings offer great value, HDFC also provides a redemption catalogue (accessible at offers.reward360.in/v1/regaliagold) featuring electronics, e-vouchers, and physical products. However, every time you make a redemption request, the bank charges a small processing fee.
View FAQ
Commonly Asked Questions
How do I redeem the reward points I have earned?
You must log into the HDFC NetBanking portal or the PayZapp app, navigate to the SmartBuy Portal, and choose your preferred redemption category such as flights, hotels, or the product catalogue.
What is the exact value of my points during redemption?
1 Reward Point converts to Rs. 0.20. For example, a balance of 10,000 points will give you Rs. 2,000 in purchasing power on the SmartBuy platform.
What can I redeem my reward points for?
You can redeem points against flight tickets, hotel stays, gift vouchers for popular brands, or physical products from the exclusive Regalia Gold rewards catalogue.
Is there a fee for redeeming my rewards?
Yes, HDFC charges a reward redemption handling fee of Rs. 99 plus applicable GST for every single redemption request you make, regardless of the number of points redeemed.
Can I redeem points to pay my credit card bill?
Yes, you can opt for statement credit (cashback against your outstanding bill). The cash redemption rate is Rs. 0.20 per point for the Regalia Gold.
Do my reward points expire?
Yes, HDFC reward points expire 2 years from the date of accumulation. You should redeem them annually to prevent loss of value.
Can I transfer my points to someone else?
No, reward points are strictly tied to the primary cardholder's account and cannot be transferred to family members or other HDFC credit card accounts.
Do I need to activate the card to keep my rewards?
Yes, a minimum transaction of Rs. 100 within 30 days of issuance is required to fully activate the card. If you fail to do this, you won't be eligible for the rewards program.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an HDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an HDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Transactions
Rent Payments
Wallet Loads
Cash Withdrawals
EMI Transactions
Government and Statutory Payments
Education Payments
Insurance Premium Payments
Utility Bill Payments
Railway Ticket Bookings
Gift Card or Voucher Purchases
Gambling or Lottery Transactions
Cryptocurrency or Digital Asset Transactions
For Spends Waiver
Fuel Transactions
Rent Payments
Wallet Loads
Cash Withdrawals
EMI Transactions
Government and Statutory Payments
Education Payments
Insurance Premium Payments
Utility Bill Payments
Railway Ticket Bookings
Gift Card or Voucher Purchases
Gambling or Lottery Transactions
Cryptocurrency or Digital Asset Transactions
To maximize bank profits and prevent system abuse, HDFC has heavily restricted which transactions act...
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To maximize bank profits and prevent system abuse, HDFC has heavily restricted which transactions act...
To maximize bank profits and prevent system abuse, HDFC has heavily restricted which transactions actually earn the 4 Reward Points per Rs. 150. If you swipe your card in an excluded category, the payment will go through, but your reward balance will remain firmly at zero.
The exclusion list for the Regalia Gold is extensive. You will not earn points on Fuel Transactions, Rent Payments, Wallet Loads, Cash Withdrawals, EMI Transactions, Government and Statutory Payments, Education Payments, Insurance Premium Payments, Utility Bill Payments, Railway Ticket Bookings, Gift Card or Voucher Purchases, Gambling or Lottery Transactions, and Cryptocurrency or Digital Asset Transactions.
For example, if you pay a Rs. 25,000 life insurance premium and a Rs. 10,000 electricity bill using this card, you might expect to earn points on Rs. 35,000 of spends. However, because insurance and utilities are excluded, you earn exactly 0 points. Furthermore, these excluded transactions do not count toward your quarterly or annual milestone spend targets.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards on this card?
Transactions for fuel, rent, wallet loads, cash withdrawals, EMIs, government payments, education fees, insurance, utilities, railways, gift cards, gambling, and crypto are completely excluded from earning rewards.
Are fuel transactions excluded from earning rewards?
Yes, fuel transactions at petrol pumps will not earn any reward points on the Regalia Gold.
Does paying rent with this card earn reward points?
No, rent payments processed through third-party platforms like Cred or NoBroker are explicitly excluded from the rewards program.
Are insurance premium payments excluded from rewards?
Yes, paying premiums for life, health, or vehicle insurance will not yield any reward points.
Do wallet top-ups or gift card purchases earn rewards?
No. Loading money into digital wallets (like Amazon Pay or Paytm) and purchasing brand gift cards are strictly excluded to prevent reward loop abuse.
Are education or school fee payments excluded?
Yes, any payments made toward school fees, college tuition, or educational platforms fall under the excluded categories and will not earn points.
Are utility bill payments such as electricity and water excluded?
Yes, all utility bills including electricity, water, gas, and broadband payments are excluded from earning standard reward points.
What happens if I make an EMI transaction? Do I get points?
No. When you convert a large purchase into an EMI, you forfeit the reward points for that transaction entirely. Only full-swipe retail purchases earn points.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  2% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 2% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid. | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge 1% of the transaction amount + GST will be charged on railway ticket purchase | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees No cheque payment fee is charged | Not Applicable |
Cash Payment Fees ₹100 cash payment fee per deposit. | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1000 | ₹500 |
| ₹1001 - ₹5000 | ₹600 |
| ₹5001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹900 |
| ₹25,001 - ₹50,000 | ₹1100 |
| ₹50,000 and above | ₹1300 |
Understanding the fee schedule of a premium credit card is just as crucial as knowing its rewards. Th...
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Understanding the fee schedule of a premium credit card is just as crucial as knowing its rewards. Th...
Understanding the fee schedule of a premium credit card is just as crucial as knowing its rewards. The HDFC Regalia Gold enforces a strict set of charges for delayed payments and specialized transactions, which can quickly eat into your reward margins if you aren't careful.
The Joining Fee is a one-time charge of Rs. 2,500 plus applicable taxes, billed in your very first statement. This fee is heavily cushioned by a Rs. 2,500 welcome voucher redeemable across partner brands, or it is entirely waived if you secure the card during a First Year Free (FYF) promotion.
The Annual or Renewal Fee is charged from the second year onward at Rs. 2,500 plus taxes. HDFC waives this fee if you spend Rs. 4 lakh or more within your card anniversary year. Spending an average of Rs. 34,000 per month automatically triggers this waiver.
The APR or Interest Rate on the Regalia Gold is 3.5% per month, which compounds to 42% annually. Credit cards offer an interest-free period of 20 to 55 days, but if you fail to clear your full statement balance, the bank charges interest on all outstanding dues. Carrying an unpaid balance of Rs. 10,000 into the next cycle attracts Rs. 350 in interest charges for that month.
Late Payment Charges are levied if you fail to pay even the Minimum Amount Due by the payment deadline. Late payment fees follow a sliding scale ranging from Rs. 100 for small balances up to Rs. 1,300 for balances exceeding Rs. 50,000.
The Foreign Transaction or Forex Markup Fee is set at a competitive 1.99%. This applies whenever you swipe the card internationally or make online purchases in foreign currencies. For instance, if you book a hotel abroad for USD 100 (approx. Rs. 8,300), the bank adds a 1.99% markup fee, costing you an additional Rs. 165.
The ATM Cash Withdrawal Fee is 2.5% of the withdrawn amount, subject to a minimum charge of Rs. 500. Cash advances do not enjoy an interest-free grace period; interest starts accruing at 3.5% monthly from the day of withdrawal.
Rent Payment Convenience Fees are charged at 1% plus GST for every transaction made through third-party platforms.
A 1% fuel and railway surcharge waiver is provided for transactions between Rs. 400 and Rs. 5,000, capped at Rs. 500 per statement cycle.
A cash payment fee of Rs. 100 applies to every transaction made at an HDFC branch to encourage digital payments.
A cheque bounce charge of Rs. 500 plus GST applies to failed bill payments, which also negatively impacts your credit score.
The Reward Redemption Fee is Rs. 99 plus applicable GST. This handling fee is charged every time you submit a request to convert your points into vouchers, flights, or products.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 2,500 + taxes (Waivable on promos/Offset by voucher) |
| Annual Fee | Rs. 2,500 + taxes (Waived on Rs. 4 lakh annual spend) |
| Interest Rate (APR) | 3.5% monthly (~42% annually) |
| Forex Markup | 1.99% on foreign currency transactions |
| Cash Withdrawal Fee | 2.5% of amount (Minimum Rs. 500) |
| Reward Redemption Fee | Rs. 99 + GST per request |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The bank charges a one-time joining fee of Rs. 2,500 plus GST, which is billed in your first credit card statement.
What is the annual or renewal fee?
The card has an annual fee of Rs. 2,500 plus GST, applied at the start of your second membership year and every year thereafter.
Is there an annual fee waiver based on spending?
Yes, if you spend a total of Rs. 4 lakh or more during your card membership year, the Rs. 2,500 renewal fee is completely waived for the following year.
How can I get this card lifetime free?
You cannot apply for it as lifetime free. Such offers are strictly invite-only and reserved for top-tier HDFC salary or high-net-worth banking customers.
What is the interest rate (APR) if I don't pay my full balance?
The card charges an interest rate of 3.5% per month. If you carry a balance of Rs. 20,000, you will be hit with around Rs. 700 in interest charges for that month.
How is the interest calculated on outstanding balances?
If you fail to pay your statement balance in full by the due date, the interest-free period is revoked, and the 3.5% monthly interest is charged on all purchases from their respective transaction dates.
What are the late payment charges?
Late payment fees follow a slab system ranging from Rs. 100 to Rs. 1,300 depending on the size of your outstanding balance.
Is the late payment fee different based on outstanding amount?
Yes, late fees follow a slab system. A minor missed payment of Rs. 500 attracts a small fee, while missing a Rs. 50,000 payment triggers the maximum penalty slab.
What is the forex markup for international transactions?
HDFC charges a low 1.99% forex markup fee. This is highly beneficial for travelers; swiping for USD 500 (approx. Rs. 41,500) will only cost you about Rs. 825 in markup fees.
Can I withdraw cash using my credit card?
Yes, but it is heavily penalized. The bank charges a flat 2.5% fee on the withdrawal amount, subject to a strict minimum charge of Rs. 500.
What are the cash withdrawal charges and limits?
If you withdraw just Rs. 2,000 in an emergency, you will be billed the minimum Rs. 500 fee. Furthermore, interest starts building up immediately at 3.5% per month.
Is there a fee to redeem my reward points?
Yes, every time you use the SmartBuy portal to convert your points into vouchers or travel bookings, HDFC applies a Rs. 99 plus GST redemption handling fee to your statement.
Who Should Get This Card?
The Regalia Gold is a specialized tool that works brilliantly for a specific type of spender. It is not a generic, one-size-fits-all product.
The High-Volume Shopper: If you are renovating a house, upgrading your gadgets, or buying family wardrobes at Myntra, Marks and Spencer, and Reliance Digital, the 5X reward points will flood your account. Spending Rs. 1 lakh across these brands gives you points worth Rs. 2,660.
The Strategic Traveler: If you intentionally push all your expenses—from insurance to family dinners—onto one card to hit the Rs. 5 lakh and Rs. 7.5 lakh milestones, the resulting Rs. 10,000 in flight vouchers makes your next vacation significantly cheaper.
Who Should NOT Get This Card? If your primary expenses are fuel, utility bills, and rent, avoid this card. HDFC has aggressively excluded these categories from earning rewards. Furthermore, if your annual spends hover around Rs. 1 lakh or Rs. 2 lakh, you will never hit the milestone vouchers or the fee waiver, meaning you will end up paying Rs. 2,500 every year for a 0.53% base return.
Credit Limit and What to Expect
Because the Regalia Gold demands a minimum income of Rs. 18 lakh, the bank issues it with a highly generous credit limit. High spenders require flexibility, and HDFC offers limits that reflect a multiple of your monthly salary. You will have enough headroom to easily book international flights for your whole family or purchase high-end electronics without instantly maximizing your credit utilization ratio.
View FAQ
Commonly Asked Questions
What credit limit can I expect with an Rs. 18 lakh salary?
An Rs. 18 lakh income profile attracts an initial credit limit ranging from Rs. 2 lakh to Rs. 5 lakh based on your financial standing.
Will my limit increase over time?
Yes, if you consistently use your card, pay your bills in full before the due date, and update your income details with the bank, HDFC provides periodic credit limit enhancements.
Can I set my own transaction limits?
Absolutely. Using the HDFC Mobile App or NetBanking, you can manually set daily or per-transaction limits for online, offline, contactless, and international spends for enhanced security.
Are international transactions enabled by default?
No, as per RBI guidelines, international, contactless, and online transactions are disabled on new cards. You must manually enable them via the bank's app after receiving the card.
Can I request an emergency limit increase for a big purchase?
Yes, HDFC approves temporary limit enhancements based on your repayment history and current credit profile.
What happens if I spend more than my credit limit?
Transactions exceeding your limit may be declined. If approved, the bank charges an over-limit fee of 2.5% of the overdrawn amount, subject to a minimum of Rs. 500.
How to Apply?
Applying for the HDFC Regalia Gold is a completely digitized process. You can start by visiting the official HDFC Bank website or trusted partner platforms. Fill out the application form with your PAN details, exact name, current address, and employment information. The system will run a quick soft check on your credit profile to pre-qualify you.
Once the initial form is submitted, you will generate an Application ID. The next crucial step is completing your Video KYC (VKYC). Ensure you have your original PAN card and Aadhaar card handy. Find a quiet room with good lighting and a stable Wi-Fi connection. A bank executive will connect with you via video call to verify your identity and capture a live photograph.
View FAQ
Commonly Asked Questions
Where can I apply for this credit card?
You can apply directly on the HDFC Bank official website, through the HDFC mobile banking app if you are an existing customer, or via authorized financial aggregator platforms.
Can I apply for this card online?
Yes, the entire process from form submission to document verification is completely online. There is no need to visit a physical bank branch.
What is Video KYC and is it mandatory?
Video KYC is a mandatory digital verification process mandated by the RBI. A bank official verifies your face and original PAN card over a secure video call to prevent identity theft.
What do I need for a successful Video KYC call?
You need your original physical PAN card, a blank piece of paper and a blue/black pen for a live signature, good internet, and a well-lit environment.
Are there geographic restrictions for Video KYC?
Yes, banking regulations require you to be physically present in India, within a 50 km radius of your registered residential address, at the time of the video call.
How can I track my application status?
After applying, you will receive a 16-digit Application Reference Number (ARN) via SMS. You can enter this ARN on the HDFC website's 'Track Application' page to see live updates.
How long does the approval process take?
Approval occurs within 3 to 7 working days once your Video KYC is successful and your income documents are verified. The physical card arrives a few days later.
What happens if my Video KYC fails due to network issues?
If the video call drops, you can restart the process using the link sent to your email or SMS. If it fails multiple times, the bank sends an executive to your home for physical biometric verification.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹1100 Rewards
Top Benefits
Earn 10X SmartBuy Points on IGP.com, Jockey and Pharmeasy
transactions through SmartBuy, within the Regalia SmartBuy cap of 4,000 reward points per month and 2,000 per day
Get Lounge Access with 12 Domestic& 6 International Airport
lounge visits per calendar year using Priority Pass
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