About HDFC Regalia Gold Credit Card
Regalia Gold is the newest addition to the HDFC Regalia credit card family, and it arrives as a strong upgrade. The earlier HDFC Regalia and Regalia First cards were once among the most popular all-rounder credit cards. However, over time, feature cuts and reward devaluations reduced their appeal. Regalia Gold aims to restore that value and could become a game-changer in the sub-₹5,000 annual fee segment.
The card offers a competitive reward rate, complimentary memberships on activation, domestic and international airport lounge access, and flight vouchers as milestone benefits. Although the base reward rate remains similar to the earlier Regalia variant, Regalia Gold stands out with its exclusive “Gold Catalogue,” which features additional premium brands for reward redemption.
HDFC Regalia Gold Credit Card Rewards Program
Reward Earning
- Earn 4 reward points for every ₹150 spent across all categories, including insurance, utilities, and education.
- Get 20 reward points for every ₹150 spent at Nykaa, Myntra, Marks & Spencer, and Reliance Digital.
Reward Redemption
Reward points earned on the HDFC Regalia Gold Credit Card can be redeemed in multiple ways:
- Redeem against the exclusive Gold Catalogue featuring select premium brands, products, and vouchers via SmartBuy.
- Use points for flight and hotel bookings on SmartBuy.
- Convert reward points into air miles.
- Redeem for product and voucher purchases.
- Convert points into statement credit.
Reward Point Value
- Gold Catalogue: ₹0.65 per reward point
- Flights and Hotel Bookings: ₹0.50 per reward point
- Air Mile Conversion: 0.5 air mile per reward point
- Product and Voucher Purchase: ₹0.35 per reward point
- Statement Credit: ₹0.20 per reward point
Other Features and Benefits
Welcome Benefit
- Get complimentary Swiggy One Membership.
- Enjoy complimentary MMT Black Elite Membership.
- Receive a gift voucher worth ₹2,500 on payment of the joining fee.
Lounge Access
- Get complimentary Priority Pass Membership on completing 4 retail transactions with the card.
- Avail up to 6 complimentary international lounge visits per calendar year for primary and add-on members.
- Enjoy 12 complimentary domestic airport lounge visits every year.
- Suggested Read: Best Airport Lounge Access Credit Cards
Milestone Benefits
- Spend ₹1.5 lakh in a quarter and receive ₹1,500 vouchers from Marks & Spencer, Reliance Digital, Myntra, or Marriott.
- Spend ₹5 lakh in a year and get flight vouchers worth ₹5,000.
- Reach total annual spends of ₹7.5 lakh and receive an additional ₹5,000 flight voucher.
Fees and Charges
| Particulars | Amount |
|---|
| Joining Fee | Rs. 2,500 + Taxes |
| Annual Fee | Rs. 2,500 + Taxes |
| Finance Charges | 3.75% p.m. (45% p.a.) |
| Cash Withdrawal Fee | 2.5% of amount withdrawn or Rs. 500 whichever is higher |
| Rewards Redemption Fee | Nil |
| Late Payment Charges | | For Statement Balance: | | | Up to Rs. 100: | Nil | | Rs. 101 to Rs. 500: | Rs. 100 | | Rs. 501 to Rs. 1,000: | Rs. 500 | | Rs. 1,001 to Rs. 5,000: | Rs. 600 | | Rs. 5,001 to Rs. 10,000: | Rs. 750 | | Rs. 10,001 to Rs. 25,000: | Rs. 900 | | Rs. 25,001 to Rs. 50,000: | Rs. 1,100 | | More than Rs. 50,000: | Rs. 1,300 |
|
Apply for a Credit Card & Get Instant Approval
Document Required For HDFC Regalia Gold Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Occupation: Salaried or self-employed individuals.
- Age: 21 to 60 years for salaried applicants and up to 65 years for self-employed applicants.
- Minimum Income for Salaried (Non-Government) Employees: ₹1.5 lakh per month.
- Minimum Income for Salaried (Government) Employees: ₹1 lakh per month.
- Minimum Income for Self-Employed Applicants: ₹18 lakh per annum.
HDFC Regalia Gold Credit Card Highlights
What do we like about this card?
- Get complimentary Swiggy One and MMT Black Elite memberships.
- Receive a gift voucher worth ₹2,500 on payment of the joining fee.
- Enjoy 6 complimentary international and 12 complimentary domestic airport lounge visits every year.
- Earn ₹1,500 vouchers from Marks & Spencer, Reliance Digital, Myntra, or Marriott on quarterly spends of ₹1.5 lakh.
- Get flight vouchers worth ₹5,000 on annual spends of ₹5 lakh.
Things to Know Before you apply
Get this card if:
- You want a credit card that offers strong value back on both online and offline spends.
- You are a high spender and can maximise rewards along with milestone benefits.
- You frequently shop at Nykaa, Myntra, Marks & Spencer, and Reliance Digital.
- You prefer flexible reward redemption options such as air miles, products, vouchers, and more.
- You value travel perks like airport lounge access, flight vouchers, and MMT membership benefits.
Pros
- Earn 5X rewards on Nykaa, Myntra, Marks & Spencer, and Reliance Digital.
- Get reward points on usually excluded categories like insurance, utilities, and education.
- Enjoy multiple redemption options with strong redemption value.
- Benefit from travel perks such as Priority Pass Membership, complimentary lounge access, and flight vouchers.
- Receive vouchers worth up to ₹16,000 annually through milestone benefits.
- Low foreign exchange mark-up fee of 2% on international spends.
Cons
- Accelerated rewards are limited to select partner brands.
- Lower redemption value on product or voucher purchases and statement credit.
- High spending requirement to fully maximise milestone benefits.
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