Premium travel and lifestyle card featuring 5X partner rewards, up to ₹16,000 in annual milestone vouchers, and domestic & Priority Pass lounges.
Frequent Domestic Travelers, Lifestyle Brand Shoppers & Milestone Achievers
₹2,500
One-time upfront₹2,500
Waived on ₹4 lakh annual spend5 Reward Points per ₹200 spent
On eligible spends12 Domestic + 6 International visits/year · ₹60k quarterly spend required (Domestic)
Complimentary visitsLast verified 16 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The HDFC Bank Regalia Gold Credit Card serves as HDFC's benchmark premium lifestyle card, positioned between the entry-level Millennia and super-premium cards like Diners Black Metal and Infinia. Cardholders earn 5 Reward Points per ₹200 spent on eligible retail transactions (1.25% base value when redeemed on SmartBuy for flights and hotels at 1 RP = ₹0.50, or up to ₹0.65 via 1:0.5 air miles transfer). Accelerated 5X Reward Points (25 Reward Points per ₹200 = 6.25% return) apply on retail partner platforms including Marks & Spencer, Myntra, Nykaa, and Reliance Digital (capped at 4,000 points per month), with up to 5X on SmartBuy travel. Airport privileges include 12 complimentary domestic lounge visits annually (3 per calendar quarter) and up to 6 international visits via Priority Pass for primary and add-on cardholders combined. However, domestic lounge access is now strictly subject to spending ₹60,000 or more in the preceding calendar quarter. Furthermore, statement cash redemption yields a modest ₹0.20 per point, and the ₹4,00,000 annual spend hurdle for fee waiver requires consistent card utilization. Who should get it: Mid-to-senior professionals spending ₹40,000 to ₹70,000 monthly who travel domestically, shop at partner lifestyle brands, and redeem points for travel via SmartBuy. Who should avoid it: Spenders seeking unconditional lounge access without quarterly spend criteria or those seeking direct statement cashback.
Earn ₹1,500 quarterly vouchers on ₹1.5 Lakh spend, plus two ₹5,000 flight vouchers on reaching ₹5 Lakh and ₹7.5 Lakh annual milestones.
Earn 25 Reward Points per ₹200 (6.25% return) at Marks & Spencer, Myntra, Nykaa, and Reliance Digital, capped at 4,000 points per month.
Enjoy 6 complimentary international lounge visits per calendar year using your Priority Pass card with zero spend conditions.
Benefit from a competitive 2.00% foreign currency markup on all international transactions.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Marks & Spencer, Myntra, Nykaa, Reliance Digital | 5X Reward Points (25 RP per ₹200 = 6.25% return) on Marks & Spencer, Myntra, Nykaa, and Reliance Digital (max 4,000 pts/month) | 4,000 Reward Points/mo | Standard terms apply |
| SmartBuy Flights & Hotel Bookings | Up to 5X Reward Points on Flights & Hotels via SmartBuy portal (25 RP per ₹200 = 6.25% return, max 4,000 pts/month) | 4,000 Reward Points/mo | Standard terms apply |
| All Other Retail Spends | 5 Reward Points per ₹200 spent (1.25% valueback, 1 RP = ₹0.50 on Gold Catalog/flights) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Marks & Spencer, Myntra, Nykaa, Reliance Digital | ₹6,000 | 5X Reward Points (25 RP per ₹200 = 6.25% return) on Marks & Spencer, Myntra, Nykaa, and Reliance Digital (max 4,000 pts/month) | — | ₹4,000/monthly | Calculating... | Under cap |
| SmartBuy Flights & Hotel Bookings | ₹6,000 | Up to 5X Reward Points on Flights & Hotels via SmartBuy portal (25 RP per ₹200 = 6.25% return, max 4,000 pts/month) | — | ₹4,000/monthly | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 5 Reward Points per ₹200 spent (1.25% valueback, 1 RP = ₹0.50 on Gold Catalog/flights) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹2,500
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Receive a ₹1,500 voucher from Marks & Spencer, Myntra, Reliance Digital, or Marriott on spending ₹1.5 Lakhs in a calendar quarter (up to ₹6,000/year).
Receive a ₹5,000 flight voucher on achieving ₹5 Lakhs annual retail spend.
Receive an additional ₹5,000 flight voucher on reaching ₹7.5 Lakhs annual retail spend.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Base Rewards: 5 Reward Points per ₹200 spent on eligible retail transactions. 1 RP = ₹0.50 on SmartBuy flights/hotels/Gold catalogue, ₹0.65 on select air miles transfer (1:0.5 ratio), and ₹0.20 on statement cash credit. Accelerated 5X Rewards: 5X Reward Points (25 RPs per ₹200 = 6.25% return) on Marks & Spencer, Myntra, Nykaa, and Reliance Digital (capped at 4,000 points/month). SmartBuy flight and hotel bookings earn up to 5X (capped at 4,000 points/month). Airport Lounge Access: 12 complimentary domestic lounge visits per calendar year (max 3 visits per calendar quarter) across India for primary and add-on cardholders, subject to spending ₹60,000 or more in the preceding calendar quarter. Up to 6 complimentary international lounge visits per calendar year via Priority Pass (applied after 4 retail transactions; no spend criteria applied). Milestone Benefits: ₹1,500 vouchers on spending ₹1.5 Lakhs in a calendar quarter (up to ₹6,000/year). ₹5,000 flight voucher on ₹5 Lakhs annual spend; additional ₹5,000 flight voucher on ₹7.5 Lakhs annual spend (total up to ₹10,000 flight vouchers annually). Fee & Waiver: Joining fee ₹2,500 + GST (offset by ₹2,500 gift voucher on paying fee and spending ₹1 Lakh in first 90 days); annual renewal fee ₹2,500 + GST waived on spending ₹4,00,000 or more in the preceding anniversary year. Forex & Exclusions: 2.00% foreign currency transaction markup fee. Fuel, wallet reloads, rent payments, government transactions, education fees, and cash advances do not earn reward points.
Evaluate whether this card's perks and waiver threshold justify its ₹2,500 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding HDFC Bank Regalia Gold Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official HDFC Bank portal with paperless verification.
HDFC Regalia Gold spent years as one of HDFC Bank's easiest premium cards to justify. After reward reductions, spend-gated lounges, and Boarding Edge, we calculate real returns from ₹3L to ₹7.5L spend.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
HDFC Regalia Gold spent years as one of HDFC Bank's easiest premium cards to justify. After reward reductions, spend-gated lounges, and Boarding Edge, we calculate real returns from ₹3L to ₹7.5L spend.
American Express discontinued its Reward Multiplier programme in India on September 30, 2026. While direct merchant-link accelerated earning has ended, ShopWise e-vouchers continue to offer accelerated Membership Rewards points across 200+ brands. Here is our complete analysis and breakdown for Amex cardholders.
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