PremiumMidVisa

HDFC Regalia Gold Credit Card

Premium travel perks bundled with strong everyday rewards

Annual fee₹2,500Waived on ₹4.0L spend

Rewards1.63%Assumes 1 RP = Rs 0.65 via the card's Exclusive Gold Catalogue on SmartBuy (reward360.in), the issuer's highest-value listed path for this card and the first listed. Lower alternative issuer-stated paths: flights/hotels via SmartBuy 1 RP = Rs 0.50 (max 70% of booking, capped 50,000 RP/month per aggregator xcheck, not first-hand); products/vouchers 1 RP = up to Rs 0.35; statement credit 1 RP = Rs 0.15.

Forex markup2%2% on all your foreign currency spends

Apply Now Check Eligibility →

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with HDFC Bank. Full disclaimer

Welcome benefits

Complimentary Swiggy One and MMT Black Gold membership on spends of ₹1 lakh in first 90 days

Type: Membership
Trigger: Spend ₹1,00,000 within 90 days
Partner: Swiggy, MakeMyTrip

Rewards

Base earn rate

4 Reward Points on every ₹150 spent (On retail spends)

• Reward Points valid for 2 years from accumulation (standard). Infinia/Diners Black/BizBlack: 3 years. Easy EMI/PhonePe HDFC Bank Ultimo/Uno: 1 year. If card unused 365+ days, points nullified.
• Redemption fee: ₹99

Milestone benefits

Rs. 5,000 worth flight vouchers on spends of Rs. 5 lakh and Rs. 7.5 lakh. Rs 1,500 worth Myntra/Nykaa vouchers on quarterly spends of Rs 1.5 lakhs. Click Here to view milestone benefits redemption process. Click here to view milestone benefits T&C. Login to Smartbuy to track your milestone spends and avail unlocked benefits.

Lounge access

Domestic

12visits / year

Max 3 per quarter
Requires ₹60,000 prior spend

HDFC SmartBuy Lounge Program lounge programme →

International

Priority Pass

6complimentary visits

Priority Pass lounge programme →

Fees & charges

Joining fee: ₹2500 + Applicable Taxes
Annual / renewal fee: Joining/ Renewal Membership Fee of ₹2500 + Applicable Taxes
Annual fee waiver: You can also get a renewal fee waiver by spending ₹4 lakh annually
Interest rate: Enjoy Revolving Credit on your HDFC Bank Regalia Gold Credit Card at nominal interest rate. Refer to the Fees and Charges section to know more.
Interest-free period: 50 days
Cash advance fee: Transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher on ATM withdrawals. Cash withdrawal limit: 40% of credit limit.
Overlimit fee: 2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).
Payment dishonour: 2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.
Forex markup: 2% on all your foreign currency spends
DCC markup: 2%
Reward redemption: ₹99 per redemption

Late payment

Outstanding amount	Late fee
₹0 – ₹100	₹0
₹101 – ₹500	₹100
₹501 – ₹1,000	₹500
₹1,001 – ₹5,000	₹600
₹5,001 – ₹10,000	₹750
₹10,001 – ₹25,000	₹900
₹25,001 – ₹50,000	₹1,100
Above ₹50,001	₹1,300

View official MITC →

Insurance covers

Air accident

₹100L

Accidental air death cover worth Rs. 1 Crore (USD 125,000)

Medical emergency

₹15L

Credit liability

₹9L

Eligibility

Income (salaried): Net Monthly Income> Rs 1,00,000 (For Govt.), Net Monthly Income> Rs 1,50,000 (For Non Govt.), Income: ITR > Rs 18 Lakhs per annum (Self Employed)
Income (self-employed): ₹18L/year
Age: 21–60 years

Employment types

SalariedSelf Employed

Required documents

Passport
Aadhaar card
Voter ID
Driving licence
PAN card
Passport size photographs
Utility bills (electricity, water, gas, or telephone)
Rental agreement
Salary slips (for salaried individuals)
Income Tax Returns (ITR)
Form 16
Bank statements

Features

✓ Contactless✓ International usage

Additional features

Credit Card Registration and Activation via MyCards
Set up Card PIN via MyCards
Manage Card Controls like Online Spends, Contactless Transactions via MyCards
View Transactions / Download e-Statements via MyCards
Check Reward Points via MyCards
Block/ Re-Issue Card via MyCards
Apply for Add-on Card via MyCards
Single Interface for Credit Cards, Debit Cards, FASTag and Consumer Durable Loans
Spends tracking
SmartBuy platform for enhanced rewards

Card management via MyCards.

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Rewards / year

₹9,750

≈ 1.63% effective

Annual fee

₹0 (waived)

waived at ₹4,00,000/yr spend

Net steady-state return

+₹9,750/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹9,750 a year.

Apply Now Check Eligibility →

One-time joining fee (year 1 only): ₹2,500

One-time welcome benefit — Complimentary Swiggy One and MakeMyTrip Black Gold membership on spends of Rs. 1 lakh in first 90 days (per DB xcheck; not verified first-hand — product page is JS-rendered and unreadable via WebFetch).

Based on published rates as of 2026-08-07; assumes 1 RP = Rs 0.65 via the card's Exclusive Gold Catalogue on SmartBuy (reward360.in), the issuer's highest-value listed path for this card and the first listed. Lower alternative issuer-stated paths: flights/hotels via SmartBuy 1 RP = Rs 0.50 (max 70% of booking, capped 50,000 RP/month per aggregator xcheck, not first-hand); products/vouchers 1 RP = up to Rs 0.35; statement credit 1 RP = Rs 0.15.. Rewards estimates, not guarantees.