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REWARD POINTS CARD

Regalia Gold Credit Card

HDFC Bank

Earns 5 Reward Points per ₹200 on retail spends, with 3 domestic lounge visits per calendar quarter on qualifying spend, 6 Priority Pass visits a year abroad, spend-based vouchers and Boarding Edge travel benefits.

Domestic lounge access needs ₹60,000 or more spend in the preceding quarter. ₹2,500 + taxes fee, waived at ₹4,00,000 annual spend. Points capped at 50,000 per statement cycle; no points on fuel or rent. 2% forex markup.

Regalia Gold Credit Card
ANNUAL FEE
₹2,500 + GST
JOINING FEE
₹2,500 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Domestic airport lounge access: 3 visits per calendar quarter on qualifying spend, plus 6 Priority Pass visits per calendar year outside India.
BEST FOR
Included: May suit those who spend enough each quarter to unlock domestic lounge access and the quarterly and annual milestone.
Included: May suit those who regularly spend ₹60,000 or more a quarter and travel by air.
Included: May suit shoppers at Myntra, Nykaa, Reliance Digital or Marks & Spencers, which earn 5X Reward Points.
Included: May suit travellers booking flights and hotels via SmartBuy, which offers up to 10X rewards and lets up to 70% of the.
Limitation: Low spenders paying a ₹2,500 + taxes fee, or to those whose spends are mainly fuel may wish to compare other cards.
Limitation: Those who spend little each quarter may wish to compare other cards.
Limitation: Those whose spends are mainly fuel, rent or government payments may wish to compare other cards.
Limitation: Those seeking a no-fee card may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Reward Points expire 2 years after accumulation and are nullified if the card is not used for more than 365 days.
Condition: Milestone benefits, once unlocked, are valid for 60 days; Boarding Edge allows any 2 benefits per calendar quarter via SmartBuy boarding-pass upload.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
60

Fees & ownership

Joining fee
₹2,500 + GST
Annual / renewal fee
₹2,500 + GST
Fee waived at
₹4,00,000 in a year (excl. Cash on Call, Balance Transfer, Cash Withdrawal)
Forex markup
2%
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
3 visits per quarter — 3 visits per calendar quarter · Needs ₹60,000+ spend in preceding quarter; access by card swipe; applies from quarter starting 1 Jul 2026 · ₹60,000 or more in the preceding calendar quarter
International airport lounge
6 visits per year — 6 visits per calendar year (Priority Pass) · Priority Pass on request via phone banking (min. 4 transactions); extra visits and guests $27 + taxes per person · ₹60,000 or more in the preceding calendar quarter
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Priority Pass (international lounges)
EVERYDAY
Fuel
No fuel surcharge waiver
Dining
Up to 10% discount at partner restaurants via Swiggy Dineout under the Good Food Trail Program when paying with the card.
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No Reward Points on fuel, rent and property-management payments, government transactions, EasyEMI, e-wallet loading or online skill-based gaming; points reversed if a retail spend is converted to SmartEMI.; Fuel; rent and property-management payments; government transactions; EasyEMI; e-wallet loading; online skill-based gaming.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
₹99
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Domestic airport lounge access: 3 visits per calendar quarter on qualifying spend, plus 6 Priority Pass visits per calendar year outside India.
Included: Boarding Edge: choose any 2 benefits per calendar quarter (spa, hotel dining, room upgrade, airport transfer) by uploading a boarding pass on SmartBuy.
Included: Complimentary Swiggy One and MMT Black Gold memberships on spends of ₹1,00,000 in the first 90 days.
Included: Milestones: ₹5,000 worth flight vouchers on spends of ₹5 lakh and ₹7.5 lakh; ₹1,500 worth Myntra/Nykaa vouchers on quarterly spends of ₹1.5 lakh.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.