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HDFC Bank
HDFC Regalia Gold Credit Card
•••• 7749Visa / Mastercard
Visa / Mastercard

HDFC Regalia Gold Credit Card

by HDFC Bank · Updated October 2026

Mid-premium HDFC card with lounge access, 5X points on lifestyle partners and milestone vouchers.

Best for Travel & lifestyle · Lounges + 5X partners
Apply now

You'll apply on the official HDFC Bank page. We never ask for your details.

Joining fee₹2,500
Annual fee₹2,500
Fee waiver₹4,00,000 spend
Lounge accessDomestic (spend-based) + 6 international
UPINo

Key benefits

01

5 reward points per ₹200 spent (since May 2026)

02

5X points at Nykaa, Myntra, Marks & Spencer, Reliance Digital

03

12 domestic lounge visits (spend-based) + 6 international

04

Low 2% forex markup

Good to know

From 15 May 2026 the earn rate changed to 5 points per ₹200, and from 1 July 2026 domestic lounge access depends on spend in the previous quarter (reported ₹60,000).

Recent changes

DevaluationHDFC Bank

HDFC Regalia Gold: domestic lounges become spend-based

Complimentary domestic lounge access now depends on spend in the previous quarter (reported as ₹60,000).

HDFC Regalia Gold Credit Card
DevaluationHDFC Bank

HDFC Regalia Gold: earn rate changes to 5 points per ₹200

The base earn rate moved from 4 reward points per ₹150 to 5 reward points per ₹200, a small cut in value-back on everyday spends.

HDFC Regalia Gold Credit Card

See all credit card changes →

Rewards by spend category

Approximate value back on every ₹100 you spend.

Online shopping2%
Travel & flights2%
Groceries1.3%
Food delivery & dining1.3%
Bills & recharges1.3%
Everything else1.3%
Fuel–
UPI scan & pay–

Pros

  • Lounge access in India and abroad
  • Strong redemption via HDFC SmartBuy
  • Low forex markup

Cons

  • Earn rate cut in May 2026
  • Domestic lounges now need quarterly spend
  • ₹4 lakh spend needed for fee waiver

Is the HDFC Regalia Gold Credit Card worth it?

The HDFC Regalia Gold Credit Card is worth it if you spend a lot on online shopping (2%) and travel & flights (2%). The ₹2,500 annual fee is waived when you spend ₹4,00,000 a year (about ₹33,333 a month), so it's worth it if you'll hit that. It's less suitable if earn rate cut in May 2026.

Featured in: Best Travel Credit Cards in India · Best Premium & Super-Premium Credit Cards in India · Best Credit Cards with Airport Lounge Access

Compare: HDFC Regalia Gold vs HDFC Millennia

Eligibility & documents

Age

21–60 years (salaried), up to 65 (self-employed)

Income

Regular income; the bank sets the minimum

Credit score

750+ gives the best approval chances

Documents

PAN, Aadhaar, and recent salary slips or ITR

How to apply

  1. Tap "Apply now"You'll be taken to the official HDFC Bank application page.
  2. Fill in your detailsPAN, income and address. Most applications take under 10 minutes.
  3. Complete KYCVideo KYC or Aadhaar e-KYC, depending on the issuer.
  4. Get your cardApproval usually takes 2–7 working days, and some cards are issued instantly.
Apply now

FAQs about HDFC Regalia Gold Credit Card

What is the annual fee of the HDFC Regalia Gold Credit Card?

The joining fee is ₹2,500 and the annual fee is ₹2,500 (plus GST). The annual fee is waived if you spend ₹4,00,000 or more in a year.

Can I use the HDFC Regalia Gold Credit Card on UPI?

No. The HDFC Regalia Gold Credit Card runs on Visa / Mastercard, and only RuPay credit cards can be linked to UPI.

Does the HDFC Regalia Gold Credit Card give airport lounge access?

Yes: Domestic (spend-based) + 6 international. Lounge rules can change, so check current terms with the issuer.

Who should get the HDFC Regalia Gold Credit Card?

It's best for travel & lifestyle. Mid-premium HDFC card with lounge access, 5X points on lifestyle partners and milestone vouchers.

Alternatives

Similar cards

HDFC Regalia Gold Credit Card₹2,500/yr · Lounges + 5X partners
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