HDFC Bank · Mid-tier travel card
HDFC Bank Regalia Gold Credit Card
HDFC's flagship mid-premium travel card. Strong milestone vouchers and brand-accelerated rewards — but note: HDFC revised the card effective 15 May 2026, and domestic lounge access is now conditional on quarterly spend, which most comparison sites haven't caught up with yet.
Fees & welcome
Annual / renewal fee
₹2,500 + GST.
Verified · HDFC Bank - Regalia Gold Fees and Charges · 2026-06-19 · source
Fee waiver
Renewal fee waived on spends of ₹4 lakh in an anniversary year.
Verified · HDFC Bank - Regalia Gold Fees and Charges · 2026-06-19 · source
Welcome benefit
Complimentary Swiggy One and MakeMyTrip Black Gold annual memberships on spends of ₹1 lakh within 90 days of card issuance, plus a ₹2,500 gift voucher on payment of the joining fee.
Verified · HDFC Bank - Regalia Gold product page · 2026-06-19 · source
Earn rates
5 Reward Points per ₹200 on retail spends, and 5X Reward Points at Myntra, Nykaa, Reliance Digital and Marks & Spencer (capped at 5,000 Reward Points per month; minimum transaction ₹150).
Verified · HDFC Bank - Regalia Gold product page · 2026-06-19 · source
Lounge & forex
Lounge access
- 3 domestic lounge visits per calendar quarter, unlocked only by spends of ₹60,000 or more in the preceding calendar quarter.
- Plus 6 international visits per year via Priority Pass (after at least 4 retail transactions).
Verified · HDFC Bank - Regalia Gold product page · 2026-06-19 · source
Forex markup
2% on all foreign currency transactions.
Verified · HDFC Bank - Regalia Gold Fees and Charges · 2026-06-19 · source
Who it's for
Best for
- Spenders in the ₹4–8 lakh/year band who will hit the quarterly voucher milestones.
- Shoppers at Nykaa, Myntra, M&S, or Reliance Digital where the 5X applies.
- Travellers who value Priority Pass international visits at a mid-range fee.
Not ideal for
- Anyone expecting the old unconditional domestic lounge access — that's gone as of 2026.
- Also weak for pure cashback seekers and spenders below ₹4 lakh/year who won't clear the fee waiver or milestones.
Fees & charges
Interest-free period
20 to 50 days, depending on your statement cycle.
Verified · HDFC Bank - Regalia Gold Fees and Charges · 2026-06-19 · source
Charge
- Finance charge of 3.75% per month (45% per annum) on revolving balances and cash advances.
- Cash advance fee of 2.5% of the amount withdrawn, minimum ₹500.
- Cross-currency markup of 1.75% on transactions made in Indian rupees at an international location or an overseas-registered merchant (effective 15 May 2026).
- Rewards redemption fee of ₹99 per redemption request.
- A 1% fee, capped at ₹4,999 per transaction, applies to rent (from the second rental transaction each month), fuel above ₹15,000, utility spends above ₹50,000, and education paid through third-party apps.
- Railway-ticket purchases carry 1% + GST.
Verified · HDFC Bank - Regalia Gold Fees and Charges · 2026-06-19 · source
Rewards
Reward cap
- Maximum 50,000 Reward Points per statement cycle.
- Grocery, utility and telecom spends are each capped at 2,000 Reward Points per month.
- SmartBuy flight and hotel, cashback, and miles-transfer redemptions are each capped at 50,000 Reward Points per month.
Verified · HDFC Bank - Regalia Gold product page · 2026-06-19 · source
Redemption value
- Redeem up to 70% of flight, hotel and experience bookings, and up to 70% of select products and vouchers, with Reward Points.
- Pay the balance with the card.
Verified · HDFC Bank - Regalia Gold product page · 2026-06-19 · source
Reward exclusion
Verified · HDFC Bank - Regalia Gold product page · 2026-06-19 · source
Milestone benefit
- Quarterly: a ₹1,500 voucher (choice of Marriott Experience, Myntra, MMT Hotels, Marks & Spencer or Reliance Digital) on spends of ₹1.5 lakh per calendar quarter.
- Annual: a ₹5,000 flight voucher on spends of ₹5 lakh, plus an additional ₹5,000 flight voucher on spends of ₹7.5 lakh, per anniversary year.
Verified · HDFC Bank - Regalia Gold product page · 2026-06-19 · source
Travel & lifestyle
Travel benefit
Boarding Edge Program: choose any 2 complimentary benefits per calendar quarter (spa, buffet, hotel room upgrade or airport transfer) by uploading your boarding pass on SmartBuy.
Verified · HDFC Bank - Regalia Gold product page · 2026-06-19 · source
Dining benefit
Up to 10% off dining via Swiggy Dineout (Good Food Trail).
Verified · HDFC Bank - Regalia Gold product page · 2026-06-19 · source
Official sources
Verified 2026-06-19 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.