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HDFC Bank
Regalia Gold

HDFC Bank Regalia Gold

Premium travel & lifestyle card with Priority Pass lounge access, SmartBuy travel perks, and tiered reward redemption value.

travelpremiumlifestyledining

Last reviewed 13 July 2026

Fees

Joining fee

₹2,500

Annual fee

₹2,500

Waiver: Waived on annual spend of ₹4,00,000 or more

Eligibility

Min. monthly income: ₹1,50,000

Min. CIBIL Score: 750+

Age: 21–65 yrs

Employment: salaried, self employed, business owner

Rewards

all other2.5x points

Welcome benefits

  • • Welcome gift voucher worth ₹2,500 on joining
  • • Complimentary Swiggy One and MakeMyTrip Black Gold memberships on card issuance

Perks

  • ✓Domestic lounge access: 12/yrUp to 3 per quarter; requires minimum ₹60,000 spend in the preceding quarter (effective 2026)
  • ✓International lounge access: 6/yrComplimentary via Priority Pass, no spend condition, quarterly cap
  • ✓Fuel surcharge waiver: 1%Capped at ₹500/month
  • ✓Forex markup: 2%
  • ✓Concierge service
  • ✓Air accident cover: ₹1 Cr
  • ✓Credit shield cover
  • ✓5 Reward Points per ₹200 spent (rate revised from 4 points/₹150 on 15 May 2026)
  • ✓Redemption value varies: ₹0.65/point via Gold Catalogue, ₹0.50/point for flights & hotels, ₹0.20/point as statement credit
  • ✓Boarding Edge Program: 2 complimentary lifestyle benefits per quarter (spa/buffet/room upgrade/airport transfer) via SmartBuy boarding-pass upload
  • ✓Rewards redemption fee: ₹99 + GST per redemption request

Common questions

What is the annual fee on the HDFC Bank Regalia Gold?
The joining fee is ₹2,500. The annual fee is ₹2,500. Waived on annual spend of ₹4,00,000 or more
What are the reward rates on the HDFC Bank Regalia Gold?
HDFC Bank Regalia Gold earns 2.5x points on all other spends.
Does the HDFC Bank Regalia Gold offer airport lounge access?
Yes: 12 domestic lounge visits per year (Up to 3 per quarter; requires minimum ₹60,000 spend in the preceding quarter (effective 2026)) and 6 international lounge visits per year (Complimentary via Priority Pass, no spend condition, quarterly cap).
Who is eligible for the HDFC Bank Regalia Gold?
Applicants typically need a minimum monthly income of ₹1,50,000, a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed or business owner. Exact criteria are set by HDFC Bank and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

₹
2.5x points
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