The HDFC Regalia Gold Credit Card is a premium rewards card designed for customers who want a combination of everyday rewards, travel benefits, airport lounge access and milestone-based vouchers.
Its main attractions include 5 Reward Points for every ₹200 spent on eligible retail purchases, accelerated rewards on selected brands, complimentary lounge access, travel benefits and milestone vouchers.
The card carries a joining and renewal fee of ₹2,500 plus applicable taxes, while the renewal fee can be waived when eligible annual spending reaches ₹4 lakh.
HDFC Regalia Gold at a Glance
| Key Detail | Information |
|---|---|
| Card Type | Premium Rewards Credit Card |
| Joining Fee | ₹2,500 + applicable taxes |
| Renewal Fee | ₹2,500 + applicable taxes |
| Renewal Fee Waiver | ₹4 lakh annual spending |
| Base Rewards | 5 Reward Points per ₹200 on eligible retail spends |
| Accelerated Rewards | 5X Reward Points on selected brands |
| Domestic Lounge Access | 3 visits per quarter after meeting the spend condition |
| International Lounge Access | Up to 6 visits per calendar year via Priority Pass |
| Milestone Benefits | ₹1,500 vouchers and ₹5,000 flight vouchers |
| Best For | Frequent spenders and travellers |
The current HDFC Bank information confirms these fees, rewards and benefits, with important changes introduced during 2026.
Annual Fee & Charges
The HDFC Regalia Gold Credit Card carries a joining and renewal membership fee of ₹2,500 plus applicable taxes.
The renewal fee can be waived when eligible annual spending reaches ₹4 lakh within the applicable membership year.
For customers who can comfortably reach this spending level, the fee-waiver condition can make the card more attractive over the long term.
However, the spending should come naturally from your regular expenses rather than being increased simply to earn rewards or avoid a fee.
Key Benefits
Reward Points on Everyday Spending
The Regalia Gold provides 5 Reward Points for every ₹200 spent on eligible retail purchases.
Eligible categories can include everyday spending such as groceries, apparel, utility and bill payments, insurance and other qualifying transactions, subject to HDFC Bank’s applicable terms.
The reward structure was updated effective 15 May 2026, so older information showing 4 Reward Points for every ₹150 should not be used for the current version of this review.
5X Rewards on Selected Brands
The card provides 5X Reward Points on selected brands, including brands such as Myntra, Nykaa and Reliance Digital, subject to the applicable terms and limits.
This can make the card particularly useful for customers whose regular shopping overlaps with the participating brands.
Domestic Airport Lounge Access
Regalia Gold provides 3 complimentary domestic lounge visits per calendar quarter when the required spending condition is met.
From 1 July 2026, customers need to spend ₹60,000 or more in the preceding calendar quarter to unlock the three domestic lounge visits for the following quarter.
For example, eligible spending of ₹60,000 or more during April–June can unlock the applicable lounge benefit for July–September.
This change is important because older Regalia Gold articles may still describe lounge access without mentioning the spending condition.
International Lounge Access
The card also provides up to 6 complimentary international airport lounge visits per calendar year through Priority Pass, subject to the applicable conditions.
Customers should check the current Priority Pass terms before travelling, particularly because lounge access rules and participating locations can change.
Boarding Edge Travel Benefits
Regalia Gold also includes the Boarding Edge Program.
Eligible cardholders can receive benefits such as a spa experience, buffet, hotel room upgrade or airport transfer by uploading their boarding pass through SmartBuy, subject to the applicable terms.
For frequent travellers, these additional benefits can add value beyond the standard reward-point structure.
Welcome Benefits
HDFC Bank currently offers Swiggy One and MMT Black Gold membership as welcome benefits, subject to the applicable spending condition.
The current HDFC information states that these benefits are available on spending of ₹1 lakh or more within the first 90 days of card issuance.
Quarterly Milestone Vouchers
The card provides ₹1,500 worth of Myntra/Nykaa vouchers when eligible quarterly spending reaches ₹1.5 lakh.
These milestone benefits can provide up to ₹10,000 in annual voucher value, subject to the applicable conditions and successful unlocking of the milestones.
Annual Flight Vouchers
Regalia Gold also offers ₹5,000 worth of flight vouchers at annual spending milestones of ₹5 lakh and ₹7.5 lakh.
Reaching both milestones can therefore provide up to ₹10,000 worth of flight vouchers, subject to the applicable terms.
Things to Keep in Mind
- The joining and renewal fee is ₹2,500 plus applicable taxes.
- The renewal fee waiver requires eligible annual spending of ₹4 lakh.
- The current base reward structure is 5 Reward Points per ₹200, effective from 15 May 2026.
- Accelerated rewards apply only to eligible participating brands and transactions.
- Domestic lounge access from July 2026 requires ₹60,000 spending in the preceding calendar quarter.
- International lounge access is subject to Priority Pass terms and applicable conditions.
- Welcome benefits have specific spending requirements.
- Milestone vouchers require the specified spending levels.
- Reward points and benefits are subject to HDFC Bank’s applicable exclusions, limits and terms.
- Card benefits and participating brands can change, so the latest HDFC Bank terms should be checked before applying.
Who Should Consider It?
The HDFC Regalia Gold Credit Card is worth considering if you have relatively high regular spending and can make meaningful use of its travel, rewards and milestone benefits.
It can be particularly useful for customers who spend regularly on participating lifestyle brands, travel frequently and can reach the card’s annual spending milestones without stretching their budget.
The card may be less suitable for someone with relatively low annual spending. If you cannot comfortably reach the ₹4 lakh renewal-fee waiver threshold or make use of the travel and milestone benefits, a lower-fee cashback or rewards card may offer better value.
Apply Online
The HDFC Regalia Gold Credit Card can be considered by customers looking for a premium rewards card combining everyday rewards with travel and lifestyle benefits.
Before applying, check HDFC Bank’s latest eligibility requirements, fees, reward rates, lounge conditions, milestone requirements and other applicable terms.
Our Verdict
The HDFC Regalia Gold Credit Card is a strong option for customers who can make full use of its combination of rewards, travel benefits and spending milestones.
Its key strengths are the 5 Reward Points per ₹200 on eligible retail spending, 5X rewards on selected brands, domestic and international lounge access, quarterly vouchers and annual flight vouchers.
The ₹4 lakh renewal-fee waiver can also make the ₹2,500 annual fee easier to justify for customers with sufficiently high regular spending.
However, the card works best when its benefits match your actual spending pattern. The lounge-access spending condition and milestone thresholds are particularly important to understand before applying.
Choose a card based on the value you can realistically use—not simply the number of benefits advertised.
Want to understand how secured cards compare with other credit card types? Read our Types of Credit Cards: Which One Is Right for You? (2026 Complete Guide) to explore the different options and find one that may suit your needs.