HDFC Regalia Gold

Name: HDFC Regalia Gold
Brand: HDFC Bank

HDFC Bank • The upgraded gold standard of HDFC’s popular Regalia lineage.

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Replacing the older classic Regalia, Regalia Gold offers enhanced retail multipliers on fashion brands like Myntra and Nykaa, an attractive 2.0% forex markup, and milestone flight vouchers worth ₹5,000 at ₹5L and ₹7.5L spends.

Annual Fee (+ 18% GST)₹2,500 (₹2,950 incl. GST)

Fee Waiver₹4,00,000 annual spend

Joining Perk₹2,500 gift vouchers upon spending ₹1 Lakh in 90 days

Primary Reward4 Reward Points per ₹150 + 5X on Marks & Spencer, Myntra, Nykaa

Airport Lounge Access12 Domestic (Priority Pass for international upon 4 flights)

Forex Markup2.0% + 18% GST

RuPay UPINo

Best ForMid-to-senior corporate professionals wanting a balanced lifestyle and flight card

What We Like

Competitive 2.0% forex markup
12 complimentary domestic lounge visits per year
Club Vistara Silver tier + M&S milestone vouchers

Watch Out

Reward points value is 50 paise when redeemed for flights (not 1:1 like Infinia)
SmartBuy portal flight cap of 4,000 points per month

MITC & Hidden Charges

Annual fee ₹2,500 + 18% GST. Fee waived on annual spend of ₹4 Lakhs.

HDFC Regalia Gold FAQs

What is the point redemption value on Regalia Gold?

On the SmartBuy travel portal, 1 Regalia Gold point is worth ₹0.50 for flight and hotel bookings.

Alternatives to Consider

Axis Bank Atlas Credit Card

96/100

Axis Bank

The premier choice for direct airline and hotel spend optimization.

Annual Fee₹5,000 + GST

Reward5 EDGE Miles per ₹100 on direct Airlines & Hotels

LoungeUp to 12 Domestic + 6 International visits per year (Tier-based: Silver, Gold, Platinum)

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SBI Card PRIME

86/100

SBI Card

An all-round mid-premium lifestyle card with Priority Pass lounge access.

Annual Fee₹2,999 + GST

Reward10 Reward Points per ₹100 on dining, groceries, and movies

Lounge8 Domestic + 4 International visits per year via Priority Pass

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