Route spending through HDFC SmartBuy portal.
Earn Up to 10X here — 17.3% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Mid-tier · Travel & Lifestyle
HDFC BANK · HDFC REGALIA GOLD CREDIT CARD
HDFC Regalia Gold Credit Card
ANNUAL FEE
₹2,500 waived at ₹4L spend
FIRST-YEAR NET VALUE
₹49,683 for a mid spender · travel
HDFC BANK HDFC Regalia Gold
Updated 17 Sep 2026 5 verified sources Data is current
- JOINING FEE
- ₹2,500
- ₹2,950 with GST
- ANNUAL FEE
- ₹2,500
- ₹2,950 with GST
- FEE WAIVED AT
- ₹4 lakh a year
- REAL COST AT ₹1L/MONTH
- ₹0
- fee waived at this spend
GST at 18% included in totals. Fees effective 1 Jan 2024. Latest fee change, 15 May 2026: Effective 15 May 2026: base earn revised to 5 Reward Points per ₹200 (from 4 per ₹150); domestic lounge access is now 3 visits per quarter on ₹60,000 preceding-quarter spend (from ₹1,00,000, applicable from Q3 2026); new Boarding Edge programme (2 curated travel benefits per quarter on boarding-pass upload); DCC markup 1.75%; card reissuance fee ₹199. Welcome benefit is Swiggy One + MMT Black Gold memberships on ₹1L in 90 days (no ₹2,500 voucher on the current page). Fee ₹2,500 + taxes, ₹4L waiver, milestones (₹1,500 Myntra/Nykaa quarterly at ₹1.5L; ₹5,000 flight vouchers at ₹5L and ₹7.5L) and 6 Priority Pass visits unchanged.. See all costs Fees for every card
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is HDFC Bank's.
MONTHLY INCOME ₹1.0L+ Salaried or self-employed
CREDIT SCORE 750+ Excellent band preferred
AGE 21 – 6021 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹49,683 first-year net value · mid spender · travel
Category rewards ₹31,183
Milestone bonus· Flight voucher; Gift voucher; Additional flight voucher + ₹16,000
Welcome benefit· Welcome reward points ₹2,500
Annual fee − ₹2,500
Fee waiver (met)· Annual fee waived for next year ₹2,500
Net first-year value ₹49,683
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 1.25% back on eligible spends 5 pts 5 points per ₹200
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 17.3% back
Marks & Spencer, Myntra, Nykaa, Reliance Digital 5X (20 RP) · 8.7%
HDFC SmartBuy portal Up to 5X · 8.7%
HDFC SmartBuy portal Up to 10X · 17.3%
Everything else (base) · 1.3%
MILESTONES Cumulative bonuses at annual spend tiers
₹5L Flight voucher
₹6L Gift voucher
₹8L Additional flight voucher
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time HDFC Bank tweaks the program.
Line up your ₹4L before renewal.
Crossing ₹4L in the anniversary year waives the ₹2,500 fee — automatic for spenders at ₹33,333+/month. Watch your pace in months 10–12.
Don't sleep on Marks & Spencer, Myntra, Nykaa, Reliance Digital.
The second tier earns 5X (20 RP) (8.7% back). Often overlooked next to the headline category but compounds if you route consistently.
Redeem through the best path, not the default.
Point value varies across redemption options. Best path: ₹0.65/point. Same earnings, more value.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹2,500 · + 18% GST · one-time
Annual fee (year 2+) ₹2,500 · waived at ₹4L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 2.0% · lowest in class
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
12 domestic + 6 international visits per year via Priority Pass. Primary cardholder.
Welcome voucher
₹2,500 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How HDFC Regalia Gold Credit Card has changed.
Last verified 17 Sep 2026.
- 15 May 2026 Effective 15 May 2026: base earn revised to 5 Reward Points per ₹200 (from 4 per ₹150); domestic lounge access is now 3 visits per quarter on ₹60,000 preceding-quarter spend (from ₹1,00,000, applicable from Q3 2026); new Boarding Edge programme (2 curated travel benefits per quarter on boarding-pass upload); DCC markup 1.75%; card reissuance fee ₹199. Welcome benefit is Swiggy One + MMT Black Gold memberships on ₹1L in 90 days (no ₹2,500 voucher on the current page). Fee ₹2,500 + taxes, ₹4L waiver, milestones (₹1,500 Myntra/Nykaa quarterly at ₹1.5L; ₹5,000 flight vouchers at ₹5L and ₹7.5L) and 6 Priority Pass visits unchanged. Base reward rate drops from 1.33% to 1.25%; lounge gate is easier to hit (₹60k vs ₹1L per quarter); welcome value is memberships only
- Aug 2024 New transaction charges introduced for rent, utilities, and fuel 1% fee capped at ₹3,000 per transaction for certain categories
- Jan 2024 Enhanced digital features and contactless payment support Improved user experience and payment convenience
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: HDFC Bank Regalia Gold Credit Card product page, HDFC Bank Regalia Gold Credit Card fees and charges page, HDFC Bank Regalia Gold Credit Card eligibility page, hdfc.bank.in (PDF), hdfc.bank.in. Next scheduled review: 17 Mar 2027.