HDFC Regalia Gold Credit Card: Features, Fees & Charges February 2026

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.

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.

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.

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