2HHDFC BankHDFC Regalia Gold₹2,500/yr · IN

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Travel Rewards · India

HDFC Regalia Gold Credit Card

4.5 / 5 editorial score

A well-rounded premium-lite travel and lifestyle card. You get accelerated rewards at Marks & Spencer, Myntra, Reliance Digital and more, plus spend-based domestic lounge visits and Priority Pass visits abroad. A solid step up from entry-level cards without a punishing fee.

#2 of 4 · Travel Rewards · India #9 of 34 · All India cards

Annual fee₹2,500/yr

IssuerHDFC Bank

NetworkVisa

Welcome offerGift vouchers worth Rs.2,500 on joining and on annual fee pa…

Interest rate3.75% a month (45% a year), per HD…

Foreign fee2% markup on foreign currency…

Who qualifiesGood to Excellent

Why it ranks

Affordable annual fee for the perks offered
Domestic lounge visits on ₹60,000 quarterly spend, plus 6 Priority Pass visits a year
Milestone vouchers add real value
Annual fee waived on Rs.4 lakh spend

What holds it back

Base reward rate is modest outside partner brands
High purchase APR if you revolve a balance
Reward point value drops for cashback redemption

All India rankings

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Our verdict

Why the HDFC Regalia Gold Credit Card ranks where it does

Regalia Gold is a fair mid-tier card whose value now comes more from vouchers and lounge visits than from its points. The fee is ₹2,500 plus taxes, waived at ₹4 lakh a year, and HDFC adds a ₹1,500 Myntra or Nykaa voucher for each quarter with ₹1.5 lakh of spend and ₹5,000 of flight vouchers on ₹5 lakh a year. Points earn 5X at Myntra, Nykaa, Reliance Digital and Marks & Spencer, capped at 5,000 bonus points a month.

The base earn is harder to pin down. HDFC's product page states 5 Reward Points per ₹200 on retail spends while its savings calculator still refers to 4 points; either way the rate is about 2.5 points per ₹100, and products and vouchers redeem at up to ₹0.20 a point. That makes ordinary spending worth roughly 0.5% unless you redeem for travel.

Lounge access now depends on spending: three domestic visits a quarter need ₹60,000 of spend in the previous quarter, plus six Priority Pass visits abroad a year. With a 2% forex markup it also works as a travel card. It suits people spending ₹4 to 6 lakh a year who will use the vouchers.

Good fit if

People spending ₹4 lakh to ₹6 lakh a year on one card
Myntra, Nykaa and Reliance Digital shoppers who can use the 5X rate
Occasional international travellers who want Priority Pass visits and a 2% markup

Skip it if

Anyone spending under ₹60,000 a quarter who wants domestic lounge access
People who redeem points only for products or statement credit

Worked example

Assume ₹5 lakh of retail spend in a year, spread evenly, so no quarter reaches ₹1.5 lakh. At 5 points per ₹200 that earns 5,00,000 ÷ 200 × 5 = 12,500 points. Valued at ₹0.20, the product-and-voucher rate HDFC lists and our conservative figure, they are worth ₹2,500. The ₹5 lakh annual milestone adds ₹5,000 in flight vouchers, and spend above ₹4 lakh waives the ₹2,500 fee. The total comes to about ₹7,500 a year, or 1.5% of spend.

How it stacks up

The HDFC Diners Club Black Metal costs four times as much but values points at ₹1 on SmartBuy travel and adds unlimited lounge access, so it wins once spending passes about ₹8 lakh a year. The SBI Card ELITE is the closest rival at a similar level, with a welcome voucher and movie benefits aimed at families rather than shoppers.