Cards / HDFC

HDFCHDFC Regalia GoldVisa / Mastercard

HDFC Regalia Gold Credit Card

HDFC Bank · Premium

Reviewed by Chandan Kumar Dash

5 Reward Points per Rs 200 on retail spends; 5X on Myntra, Nykaa, Reliance Digital and more.

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Joining fee

₹2,500

Annual fee

₹2,500

Waiver spend

₹4,00,000

Forex markup

2%

Fee waiver

Spend ₹4,00,000 in a card year and the next annual fee is waived.

That is about ₹33,333 a month.

Work out what you still need to spend

Recent changes

• 1 July 2026Worse for you

  Domestic lounge access becomes 3 visits a quarter only after spending Rs 60,000 in the previous quarter.

  Source

• 1 July 2026Worse for you

  Accelerated reward points on SmartBuy brand gift vouchers are capped at 3,000 points a month within the overall SmartBuy cap.

  Source

• 15 May 2026Worse for you

  Reward points are earned per Rs 200 spent instead of per Rs 150, about a 25% cut on most cards; Infinia, Diners Black and BizBlack are unchanged.

  Source

• 15 May 2026Better for you

  New Boarding Edge programme gives 2 travel benefits a quarter (airport transfers, spa, dining or room upgrades) on uploading a boarding pass.

  Source

All card changes in 2026

Work it out for this card

Offers on this card now

• Travel
  MMalaysia Airlines

  10% instant discount on Malaysia Airlines flights

  5% on promo fares. Book through the HDFC Bank page on malaysiaairlines.com with code HDFC0926, for travel until 31 March 2027 from Malaysia Airlines cities in India. Full swipe credit card payments only.

  Ends 31 OctBank's terms

• Bills
  HHDFC SmartPay

  5% cashback up to ₹150 a month on automatic bill payments

  Register electricity, mobile, broadband, DTH, gas and other bills on SmartPay. Cashback is capped at ₹1,800 in the first year. Valid on HDFC Bank credit and debit cards.

  Ends 31 OctBank's terms

• Food
  Swiggy Dineout

  10% off up to ₹200 on Swiggy Dineout bills

  Minimum bill ₹2,000 with code HDFCCARDS, first 2 transactions a month. Infinia gets up to ₹500 on ₹3,500 (HDFCINFINIA) and Diners Club Black up to ₹400 on ₹3,000 (HDFCDINERS).

  Ends 31 DecBank's terms

• Shopping
  AALDO

  Additional 5% instant discount at ALDO stores

  Net bill above ₹14,999. Each card can be used twice per brand per month. Valid on credit cards, debit cards and EasyEMI.

  Ends 8 Mar 2027Bank's terms

See every bank on the card offers page. Checked 18 Oct from the bank's own pages; read the bank's terms before you pay.

How the app counts rewards

• 5X points (25 per ₹200) at Myntra, Nykaa, Reliance Digital and Marks & Spencer
• 5 points per ₹200 on groceries (up to 2,000 points a month)
• 5 points per ₹200 on utilities (up to 2,000 points a month)
• 5 points per ₹200 on insurance (up to 2,000 points a month)
• 5 Reward Points per ₹200

No rewards on fuel, rent, wallet loads.

Airport lounges

• Domestic: 3 visits a quarter
• International: 6 visits a year

Domestic visits need ₹60,000 spend in the previous calendar quarter (from July 2026). International via Priority Pass

Points

Reward Points, worth about ₹0.2 each on the usual redemption. Expire after 2 years.

Work out what your points are worth

Who can apply

• Age 21 to 60
• Salaried: income of ₹18,00,000 a year or more
• Self-employed: income of ₹18,00,000 a year or more

Salaried: net ₹1.5 lakh a month (₹1 lakh for government employees), age 21 to 60. Self-employed: ITR over ₹18 lakh, age 21 to 65

Published minimums. Approval is the bank's decision. See every card you qualify for.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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