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
HDFC BANK · HDFC REGALIA GOLD CREDIT CARD
HDFC Regalia Gold Credit Card
ANNUAL FEE
₹2,500 waived at ₹4L spend
FIRST-YEAR NET VALUE
₹51,080 for a mid spender · travel
HDFC BANK HDFC Regalia Gold
Updated 2026-02-24 3 verified sources Data is current
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
₹51,080 first-year net value · mid spender · travel
Category rewards ₹32,580
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 ₹51,080
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
≈ 1.33% back on eligible spends 4 pts 4 points per ₹150
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.
HOW WE KEEP THIS CURRENT
Last verified 2026-02-24. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.