HDFC Regalia Gold
HDFC Bank · Visa — Premium lifestyle card with lounges and strong reward points.
Last Updated: 2026-07-17
Annual Fee
₹2500
Joining Fee
₹2500
Forex Markup
2%
Reward Type
points
Overview
Premium lifestyle card with lounges and strong reward points.
Reward points + airport lounges
Features & Benefits
- Welcome: Welcome points / vouchers
- Milestones: Milestone reward vouchers
- Lounge: Domestic + international lounge visits
- Railway lounge: Selected railway lounges
- Golf: Limited golf access
- Insurance: Travel & purchase protection
- Concierge: Yes
- Fuel: Yes (limits apply)
- Dining: Premium dining partners
- Movies: Buy-1-get-1 style offers (partner)
- Travel: SmartBuy / travel portal boosts
- EMI: Yes
Reward Structure
| Category | Reward % | Notes |
|---|---|---|
| Online Shopping | 3.3% | — |
| Grocery | 1.5% | — |
| Dining | 3.3% | — |
| Fuel | 1% | — |
| Travel | 3.3% | — |
| Utility Bills | 1.5% | — |
| Entertainment | 1.5% | — |
| UPI | Excluded | — |
| Insurance | 1.5% | — |
| Rent (Optional) | Excluded | — |
Excluded: Rent, Wallet loads
Fees & Charges
- Renewal waiver: Waived on higher annual spend
- Interest: ~3.6% per month
- Cash advance: 2.5%
- Late fee: As per HDFC
- Over-limit: As per HDFC
Eligibility
- Credit score: 750+
- Min income: ₹1,00,000/mo
- Employment: both
- Age: 21–65
Pros
- ✓ Lounge access
- ✓ Strong lifestyle perks
- ✓ Better forex than mass cards
Cons
- • Higher fee
- • Income hurdle
- • Rewards need portal knowledge
About HDFC Regalia Gold
Credit-card detail or category comparison to match rewards with your spending.
How it works
Scan fees, rewards and eligibility, then compare against alternatives on the cards hub.
Practical tips
Check milestone and welcome benefit timelines before you switch.
Important to know
Issuer terms change — verify on the bank site.
Frequently Asked Questions
- What are the key benefits of HDFC Regalia Gold?
- Premium lifestyle card with lounges and strong reward points. Highlights: Reward points + airport lounges. Lounge: Domestic + international lounge visits.
- What is the annual fee for HDFC Regalia Gold?
- Joining fee ₹2500 and annual fee ₹2500. Waiver: Waived on higher annual spend.
- Who is eligible for HDFC Regalia Gold?
- Typical guide: credit score 750+, income from ₹1,00,000/mo, age 21–65, employment: both. Final approval is with the issuer.
- Does HDFC Regalia Gold have forex markup?
- Indicative forex markup is 2%. Always confirm current markup on the issuer site.
- How do I apply for HDFC Regalia Gold?
- Use the official apply link on this page and complete KYC with the issuer. EnrichReturns does not process applications.