Advertiser Disclosure: We earn commission from some partners. This doesn't affect our editorial independence. How we make money
HDFC Regalia Gold Credit Card
HDFC Regalia Gold is one of Indias most popular premium cards offering 4X reward points on all spends, complimentary airport lounge access (12 per year), and milestone benefits up to ₹7,500. Annual fee waiver on ₹3 lakh annual spend.
Secure application on HDFC Bank's official site
"This card offers a balanced mix of rewards and benefits. Consider your spending patterns carefully - if you spend heavily in the card's bonus categories, it can deliver excellent value. Always compare with alternatives before applying."
Priya Sharma
Senior Financial Analyst
How to Apply for HDFC Regalia Gold Credit Card
Is It Worth It? (Quick Math)
Worth the fee!
You gain ₹15,000 per year value after fees.
Check Eligibility
Get instant eligibility results in 10 seconds
This is an indicative check. Final approval depends on bank's assessment.
Rate Alerts
Get updates on WhatsApp about HDFC Regalia Gold Credit Card rates and offers.
On this page
Key Features
- Strong reward rate of up to 3.3% via SmartBuy
- 12 complimentary lounge visits per year (domestic + international)
- Low annual fee of ₹2,500 for premium benefits
- Good insurance coverage for travel
- Annual fee waived on ₹3L+ yearly spend
- Accepted widely as Visa Signature card
Rating Overview
How we rate credit cards· See rating rubricEligibility Criteria
Age
21+ Years
Income
₹1.2L / year
Documents
Rewards Program
HDFC Regalia Gold Credit Card Rewards
Earn 2 points per ₹150 spent. Redemption value: Variable
| Category | Reward Rate | Points / ₹150 | Est. Value | Cap |
|---|---|---|---|---|
| General Spends | 2 points/₹150 | 4 | ₹1 | Check T&C |
| AcceleratedBest | 5x - 10x points | 10 | ₹2.50 | Check T&C |
Annual Fee Break-even: Spend ₹1,50,000 in the best category to earn rewards equal to the ₹2,500 annual fee | ||||
Rate
2 points/₹150
Pts/₹150
4
Value
₹1
Rate
5x - 10x points
Pts/₹150
10
Value
₹2.50
Rewards Calculator
See if this card's rewards justify the annual fee
Benefits Breakdown
Core Benefits
- •Strong reward rate of up to 3.3% via SmartBuy
- •12 complimentary lounge visits per year (domestic + international)
- •Low annual fee of ₹2,500 for premium benefits
- •Good insurance coverage for travel
- •Annual fee waived on ₹3L+ yearly spend
- •Accepted widely as Visa Signature card
Travel
- •Airport Lounge Access
- •Travel Insurance
Pros
- Strong reward rate of up to 3.3% via SmartBuy
- 12 complimentary lounge visits per year (domestic + international)
- Low annual fee of ₹2,500 for premium benefits
- Good insurance coverage for travel
- Annual fee waived on ₹3L+ yearly spend
- Accepted widely as Visa Signature card
Cons
- Annual fee not waived automatically — need ₹3L spend
- Lounge visits capped at 12/year (not unlimited)
- Forex markup at 2% — not ideal for international use
- Reward rate drops without SmartBuy usage
Required Documents
Keep these documents ready before applying for HDFC Regalia Gold Credit Card
Fees & Charges
| Fee Type | Amount |
|---|---|
Joining Fee First year fee | ₹2500 |
Annual Fee From second year onwards | ₹2500 |
Related Guides & Comparisons
Was this article helpful?
Frequently Asked Questions
What is the minimum salary for a credit card?
Most banks require a minimum monthly income of ₹15,000 to ₹25,000. For premium cards, the requirement can be ₹50,000+.
How to apply for a Lifetime Free (LTF) credit card?
You can apply for LTF cards directly through our platform. Popular options include Amazon Pay ICICI, IDFC First Millennia, and Dhanlaxmi Bank Platinum.
Can I get a credit card without income proof?
Yes, you can get a secured credit card (like IDFC First WOW) against a Fixed Deposit without showing income proof. This is great for students and homemakers.
Does checking my eligibility affect my credit score?
No. Checking eligibility on our platform is a 'Soft Inquiry' and does not impact your CIBIL score. Only when you submit a formal application to the bank, a 'Hard Inquiry' is done.
User Reviews
Be the first to review
Rating Distribution
Related calculators
Free, no-signup tools that quantify the decision before you apply.
Annual Fee ROI
Does this card's fee pay for itself at your spend?
Forex Markup Comparator
Per-card USD-subscription cost (ChatGPT / Adobe / AWS)
Portfolio Optimiser
Best 2-card combo for your spending profile
CIBIL Simulator
Project score impact before close / late / new card
Balance Transfer Calc
Migrate outstanding to a lower-APR card
EMI Calculator
Convert a big purchase into EMIs
Ready to upgrade your wallet?
Apply for the HDFC Regalia Gold Credit Card today and start earning rewards on every spend.
● Secure application on HDFC Bank's official site