HDFC Bank Regalia Gold Credit Card
HDFC Bank · Visa
Why this card?
- 6.25% back in reward points on online shopping at Myntra, Nykaa and Reliancedigital; 1.25% on other spends
- ₹2,500 joining and annual fee; renewal fee waived on ₹4 lakh yearly spend
- 12 domestic and 6 international airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- HDFC Bank
- Network
- Visa
- Annual Fee
- ₹2,500
- Joining Fee
- ₹2,500
- Reward Type
- points
- Best Reward Rate
- 6.25% on online shopping at myntra / nykaa / reliancedigital
- Forex Markup
- 2%
- Domestic Lounge
- 12/yr
- Min. Monthly Income
- ₹1,50,000
- Rates verified
- 2026-10-06
Our verdict
HDFC Regalia Gold remains a mid-premium travel card, but its 2026 changes narrow the value: rewards fell to 5 points per ₹200 from 15 May 2026, and domestic lounge access is now 3 visits a quarter that must be unlocked by ₹60,000 of spend in the preceding quarter. International access stays at 6 Priority Pass visits a year, the forex markup is 2%, and the ₹2,500 fee is waived at ₹4 lakh of spend. It still suits regular travellers who spend about ₹4 lakh or more a year, but the older "16 domestic visits" claims in many reviews are out of date.
Pros
- 3 domestic lounge visits a quarter and 6 international visits a year
- 2% foreign-currency markup
- Spend-based milestone vouchers through SmartBuy
- ₹2,500 fee waived on ₹4 lakh of annual spend
Cons
- Rewards cut to 5 points per ₹200 from 15 May 2026
- Domestic lounge visits need ₹60,000 spend in the preceding quarter
- Income requirement above ₹1.5 lakh a month for salaried applicants
- HDFC pages and older reviews still show earlier terms — confirm current ones
Frequently Asked Questions
What is the reward rate on HDFC Regalia Gold?
From 15 May 2026 the card earns 5 reward points for every ₹200 spent on eligible categories, per HDFC Bank. Older materials quote a higher rate on a ₹150 basis.
How many lounge visits does Regalia Gold give?
3 domestic visits per calendar quarter, available when you spend ₹60,000 or more in the preceding quarter (from the quarter starting 1 July 2026), and 6 international visits a calendar year through Priority Pass.
What is the annual fee and waiver on Regalia Gold?
The fee is ₹2,500 plus taxes, waived when retail spends reach ₹4 lakh within 12 billing cycles of your anniversary year.
What is the forex markup on Regalia Gold?
HDFC lists a 2% foreign-currency markup on the card.
What income is needed for Regalia Gold?
HDFC lists gross monthly income above ₹1.5 lakh for salaried applicants (₹1 lakh for government employees) and ITR income of at least ₹18 lakh for the self-employed.