Our Products
Loans
Cards
Insurance
Investment
Stock Market
Electronics Mall
CIBIL Score
Knowledge Centre
Calculators
Our Services
Do not call
En
We don’t spam
Resend OTP
We have some offers for you.
100% safe and secure
Unlock premium lifestyle and travel privileges with the HDFC Bank Regalia Gold Credit Card, designed for those who want stellar rewards, exclusive memberships, and milestone benefits.
Last updated on: Aug 24, 2026
Check these essential features of the HDFC Bank Regalia Gold Credit Card before you apply, including fees, key offerings, and welcome benefits:
| Features | Details |
|---|---|
Joining Fee |
₹2,500 + applicable taxes (gift voucher worth ₹2,500 on payment) |
Annual Fee |
₹2,500 + applicable taxes (renewal fee waived by spending ₹4 Lakhs within 12 billing cycles of your anniversary year) |
Suitable For |
Frequent travellers and lifestyle spenders looking for standout rewards and premium perks |
Key Features |
|
Welcome Benefit |
Gift voucher worth ₹2,500 on payment of joining fee |
HDFC Bank Regalia Gold Credit Card rewards customers with travel privileges and lifestyle benefits, making it suitable for cardholders seeking premium value on everyday high-value spends.
Enjoy complimentary Swiggy One and MMT Black Gold memberships as welcome benefits on spending ₹1 Lakh within the first 90 days, adding value from the start of your card membership.
Get complimentary access to over 1,000 airport lounges worldwide, helping you travel in comfort while reducing out-of-pocket lounge expenses during domestic and international journeys.
3 Lounge visits within India per calendar quarter on spends of ₹60,000 or more in the preceding calendar quarter using the HDFC Bank Regalia Gold Credit Card.
6 Complimentary Lounge Access per calendar year outside India using Priority Pass
Earn flight vouchers worth ₹5,000 on annual spends of ₹5 Lakhs, with an additional ₹5,000 voucher when yearly spends reach ₹7.5 Lakhs.
Earn 5 Reward Points for every ₹200 spent on eligible retail purchases, making regular shopping more rewarding across multiple spending categories.
Receive 5X Reward Points on spends at partner brands such as Marks and Spencer, Myntra, Nykaa, and Reliance Digital, boosting overall reward accumulation.
Earn vouchers worth ₹1,500 on achieving quarterly spends of ₹1.5 Lakhs, offering tangible lifestyle rewards for consistent card usage.
Unlock complimentary Swiggy One and MMT Black Elite memberships by spending ₹1 Lakhs or more within the first 90 days of card issuance.
Benefit from up to 50 days of interest-free credit, SmartEMI conversion for large purchases, secure contactless payments, and protection against fraudulent card transactions.
Enjoy quarterly lifestyle vouchers, dining benefits under the Good Food Trail programme, up to 10 percent discounts via Swiggy Dineout, and 5X rewards on SmartBuy spends.
The HDFC Bank Regalia Gold Credit Card Rewards Programme is structured to help you earn Reward Points on everyday purchases, premium brand spends, and travel bookings, with clear earning rules and defined caps.
Base Reward Points on Retail Spends
You earn 5 Reward Points for every ₹200 spent on eligible retail transactions, allowing consistent reward accumulation across routine and high-value purchases.
Accelerated Rewards on Partner Brands
Enjoy 5X Reward Points on eligible spends at partner brands such as Marks and Spencer, Myntra, Nykaa, and Reliance Digital, significantly boosting your overall reward earnings.
Enhanced Rewards via SmartBuy
Earn 5X Reward Points when you book flights, hotels, and vouchers through SmartBuy, making the HDFC Bank Regalia Gold Credit Card particularly rewarding for travel and lifestyle bookings.
Eligibility and Exclusions
Reward Points are credited only on eligible non-EMI retail transactions. Certain merchant categories and transactions remain excluded, as detailed in the official terms and conditions.
5X Partner Cap:
The accelerated 5X Reward Points are capped at 5,000 RP per calendar month across all brands combined. Base points on those spends continue without that cap.
Statement Redemption Caps:
Redemption to statement balance (cashback) is capped at 50,000 RP per calendar month. This prevents extreme accumulation within a single billing cycle.
| Purchase (Monthly) | Amount (₹) | Reward Points Earned |
|---|---|---|
Fashion & Beauty (Myntra, Nykaa – 5X Rewards) |
₹10,000 |
1,332 |
Electronics (Reliance Digital – 5X Rewards) |
₹20,000 |
2,664 |
Travel Bookings (Flights/Hotels via SmartBuy – 5X Rewards) |
₹25,000 |
3,332 |
Dining & Lifestyle Spends (Regular Retail) |
₹8,000 |
213 |
Online Shopping (Other Retail Spends) |
₹12,000 |
320 |
Total Monthly Spend |
₹75,000 |
7,861 |
Disclaimer: The above example is for illustration purposes only. Actual rewards may vary based on spending categories and bank policies.
| Redemption Option | Value per Reward Point (RP) |
|---|---|
Exclusive Regalia Gold catalogue (SmartBuy premium catalogue) |
₹0.65 per RP |
Flights & hotels on SmartBuy |
₹0.50 per RP |
Airmiles conversion |
Up to 0.5 airmiles |
Regular product / voucher redemptions (NetBanking / SmartBuy) |
Up to ₹0.35 per RP |
Statement credit (cashback against your card balance) |
₹ 0.15 per RP |
All reward points are valid for 24 months (two years) from the date they are credited to your account. You are advised to redeem your points within this validity period. Any reward points that remain unredeemed after the expiry period will automatically lapse, in accordance with the card’s terms and conditions.
Discover how your annual spending can turn into rewarding benefits with the HDFC Bank Regalia Gold Credit Card and maximise your savings (at 0.50 conversion rate per RP) :
| Purchase Category | Reward Details | Amount (₹) | Reward Points Earned | Savings (₹) |
|---|---|---|---|---|
Fashion & Beauty (Myntra, Nykaa) |
5X Reward Points on eligible partner spends |
₹1,50,000 |
18,750 |
₹ 9,375 |
Electronics (Reliance Digital) |
5X Reward Points on eligible partner spends |
₹1,20,000 |
15,000 |
₹ 7,500 |
Travel Bookings (Flights & Hotels via SmartBuy) |
5X Reward Points on SmartBuy spends |
₹1,50,000 |
18,750 |
₹ 9,375 |
Other Eligible Retail Spends |
5 Reward Points per ₹ 200 spent |
₹3,30,000 |
8,250 |
₹ 4,125 |
Total |
— |
₹7,50,000 |
60,750 |
₹ 30,375 |
Disclaimer: The above illustration is for informational purposes only. Actual savings depend on your spending pattern, timely bill payments, and HDFC Bank’s policies.
Here’s a clear summary of the important fees and charges associated with the HDFC Bank Regalia Gold Credit Card to help you make an informed decision before applying:
| Fee Type | Details |
|---|---|
Joining Fee |
₹2,500 + applicable taxes (charged on primary card; add-on cards usually have no joining fee) |
Annual Fee (Renewal) |
₹2,500 + applicable taxes. Renewal fee waiver available on meeting the annual spend threshold of ₹4 Lakhs |
Reward Redemption Fee |
A redemption fee of ₹99 is charged each time reward points are redeemed through the rewards portal. |
Cash Advance Fee |
2.5% of amount withdrawn or ₹500, whichever is higher |
Interest / Finance Charges |
3.75% per month, which is equivalent to 45% per annum, on any outstanding unpaid balance |
Minimum Amount Due |
5% of the total amount due (rounded) or minimum ₹200, whichever is higher |
Foreign / Forex Transaction Fee |
2% of transaction value (forex markup) for purchases made in foreign currency |
Note: A GST of 18% is applicable on all of the above charges.
Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.
Check the points below to see if you are eligible for the Regalia Gold Credit Card. Remember that final approval is subject to the bank’s verification, KYC and internal credit assessment.
Below is a compact table of the documents you will typically need when applying. Keep scanned copies or clear photos ready for fast upload if you apply online.
| Document Type | Documents Allowed |
|---|---|
Identity proof |
Passport / Aadhaar card / Voter ID / Driving licence / PAN card / Passport-size photograph |
Address proof |
Utility bill (electricity, water, gas, telephone) / Rental agreement / Passport / Aadhaar card / Voter ID |
Income proof |
Salary slips (for salaried) / Form 16 / Latest ITR copies / Bank statements |
Notes: HDFC Bank may request additional documents or a video-KYC in certain cases. Always check the website for any regional or case-specific requirements.
Applying for the HDFC Bank Regalia Gold Credit Card online is straightforward and usually takes only a few minutes on Bajaj Markets. Follow these steps to get started:
Select ‘Check Card Offer’ on the application page and enter basic details such as your mobile number, date of birth, and occupation.
Verify your identity by entering the OTP sent to your registered mobile number.
Review the pre-filled information, including your PAN, email address, PIN code, and income details, and update anything if required.
If eligible, the HDFC Bank Regalia Gold Credit Card will be seen amongst the available options.
Submit the application to complete the process. A bank representative may contact you for further verification, if needed.
Disclaimer
Reviewer
You earn Reward Points on retail spends (4 RP per ₹150) with accelerated 5X points at select partners and on SmartBuy bookings. The card includes lounge access, spend-based vouchers, and complimentary welcome memberships on meeting the welcome spend.
If you spend regularly on partner brands, SmartBuy travel or high-value retail, the Regalia Gold can deliver strong value through accelerated points, catalogue redemptions, etc. Its value depends on your spend mix, redemption choices and ability to meet milestone thresholds for vouchers and fee waivers.
No. The card carries a joining and renewal fee of ₹2,500 plus applicable taxes. The renewal fee can be waived if you meet the annual spend threshold of ₹4 Lakhs in the previous annual cycle.
Eligibility depends on profile and employment type and applicants need to meet the bank’s income thresholds and age limits. Exact minimum income and salary/ITR requirements vary for salaried and self-employed applicants and are verified during application.
Yes. The Regalia Gold credit card offers complimentary lounge access under HDFC Bank’s lounge programme. This includes designated domestic lounges and Priority Pass access outside India subject to the programme rules and spend-based voucher process. Entry and the number of complimentary visits are governed by the bank’s lounge T&Cs and list of participating lounges.
3 Lounge visits within India per calendar quarter on spends of ₹60,000 or more in the preceding calendar quarter using the HDFC Bank Regalia Gold Credit Card.
6 Complimentary Lounge Access per calendar year outside India using Priority Pass
Academy 
