HDFC Regalia Gold Credit Card: Designed for a Premium Lifestyle
In today’s fast-paced world, convenience and class often go hand-in-hand—and the HDFC Regalia Gold Credit Card offers just that. Whether you travel frequently, enjoy exclusive lifestyle experiences, or want maximum returns on your spending, this card checks all the boxes. It’s built to suit individuals who seek more value from their financial tools while enjoying premium privileges.
Top Highlights of the HDFC Regalia Gold Credit Card
✅ Welcome Gift
As a token of appreciation, new cardholders receive 2,500 reward points after paying the joining fee and activating the card. These points can be redeemed for bookings and purchases through HDFC Bank’s SmartBuy platform.
✅ Reward Points on Every Spend
For every ₹150 you spend, you’ll earn 4 reward points. Shopping, travel bookings, or dining—your regular expenses now contribute to exciting redemptions.
✅ Annual Milestone Bonuses
To reward your consistent usage, HDFC offers:
- 5,000 bonus reward points when your yearly spending crosses ₹5 lakhs
- 2,500 more points when your total yearly spending touches ₹7.5 lakhs
✅ Complimentary Lounge Access
If you’re a frequent traveler, you’ll enjoy 12 complimentary visits to domestic lounges and 6 visits to international lounges annually via Priority Pass membership—making layovers more relaxing and comfortable.
✅ Travel Convenience
This card brings world-class travel assistance, access to global lounges, and zero markup on international lounge access. Additionally, you get concierge services to help with your travel planning.
✅ In-Built Insurance Protection
The card includes ₹1 crore air accident cover and ₹15 lakh overseas medical insurance, offering peace of mind when you travel.
✅ Foreign Transaction Benefit
While many cards charge higher forex fees, Regalia Gold keeps it minimal at 2%, making it suitable for international shopping and travel.
Charges You Should Know
| Type of Charge | Amount |
|---|---|
| One-Time Joining Fee | ₹2,500 + GST |
| Annual Renewal Fee | ₹2,500 + GST |
| Forex Markup | 2% |
| Add-on Card | Free of cost |
💡 Tip: Spend ₹4 lakhs or more in a year and your next year’s annual fee is waived off.
Is This Card Right for You?
If your spending crosses ₹4–5 lakhs annually and you love to travel or dine out, this card is a perfect companion. Its reward structure, travel perks, and lifestyle offers make it a great fit for:
- Professionals who travel often
- Individuals who dine at fine restaurants
- Online shoppers who want maximum rewards
Frequently Asked Questions (FAQs)
1. What’s the joining fee for Regalia Gold?
The one-time joining charge is ₹2,500 plus taxes.
2. How do I waive the annual fee?
Spend ₹4,00,000 in a year to qualify for the waiver.
3. How many reward points do I earn per transaction?
You earn 4 points for every ₹150 you spend.
4. Does this card offer airport lounge access?
Yes, you get 12 domestic and 6 international visits every year.
5. Can I use this card abroad?
Yes, it’s accepted globally and offers low foreign markup.
6. Is any insurance provided with this card?
Yes, including air accident and medical emergency cover during travel.
7. What’s the value of 1 reward point?
It’s typically ₹0.50 when redeemed on SmartBuy for flights or hotels.
8. Is there a fuel surcharge waiver?
Yes, for transactions between ₹400–₹5,000 (capped at ₹500/month).
9. Can I split high-value purchases into EMIs?
Yes, EMI facilities are available with flexible repayment options.
10. Does the card have a mobile app?
Yes, you can manage your card through the HDFC Bank Mobile App.
11. Are there any dining offers?
Yes, through the Good Food Trail program, you get discounts at select restaurants.
12. How can I redeem my points?
Login to SmartBuy to redeem points for flights, hotels, and vouchers.
13. Can I apply online for this card?
Yes, it’s available through HDFC’s website and partner platforms.
14. What’s the eligibility for salaried individuals?
A monthly income of ₹1 lakh or more is usually required.
15. What about self-employed applicants?
They should have an ITR showing ₹12 lakh annual income or more.
16. How long does card delivery take after approval?
Usually 7–10 working days.
17. Can I get an add-on card for my spouse or family?
Yes, you can get free add-on cards.
18. What is HDFC SmartBuy?
It’s HDFC’s online platform for discounts, cashback, and reward redemptions.
19. What’s included in Priority Pass?
It grants access to over 1,300 airport lounges globally.
20. Can I upgrade my current HDFC card to Regalia Gold?
Yes, depending on your usage and credit profile, you can request an upgrade.
Conclusion
The HDFC Regalia Gold Credit Card is ideal for individuals who want to enjoy a luxurious lifestyle backed by practical financial benefits. Whether it’s the travel perks, milestone rewards, or insurance coverage, this card brings substantial value if used wisely. If you’re someone who travels frequently, spends across diverse categories, and values premium service, Regalia Gold is a strong choice worth considering.
