HDFC Bank Regalia Gold credit card review: fees, rewards and eligibility
The HDFC Bank Regalia Gold has a recorded annual fee of ₹2,500 plus GST and a base earn of 5 Reward Points per ₹200 on eligible retail spends; complete ₹200 multiples. CardMasters checked its issuer terms on 2026-07-26. Affiliate commission never changes ranking; confirm final terms and approval with HDFC Bank.
HDFC Bank Regalia Gold: short answer
The HDFC Bank Regalia Gold is in the premium tier of HDFC Bank credit cards, with a joining fee of ₹2,500, an annual fee of ₹2,500 plus GST (waived on ₹4,00,000 of eligible annual spend), a base earn of 5 Reward Points per ₹200 on eligible retail spends; complete ₹200 multiples and a 2% forex markup. Rewards are not earned on fuel, rent, property management, wallet load, easy emi. It suits travel, shopping, upper mid spender spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-07-26. Confirm final terms with the issuer.
Reward structure
5 Reward Points per ₹200 on eligible retail spends; complete ₹200 multiples
- 5X Reward Points on eligible direct merchant payments; incremental rewards capped at 5,000 points/month on Myntra, Nykaa, Reliance Digital and Marks & Spencer direct card payments — Merchant routing and the incremental-only cap are not valued by the recommendation model.
- 2.5 points per ₹100 on Eligible grocery spend (2,000 points monthly cap)
- 2.5 points per ₹100 on Eligible utility and telecom spend (2,000 points monthly cap)
Eligibility and important limits
minimum age 21, maximum salaried age 60, published monthly income floor ₹1,50,000 HDFC publishes ₹1.5 lakh monthly income for non-government salaried and self-employed applicants; government salaried threshold is ₹1 lakh. No issuer credit-score cutoff is published. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, property management, wallet load, easy emi, smart emi, government, gaming, education third party, cash advance, fees.
Important limit: 15 May 2026: base earn cut from 4 RP/₹150 to 5 RP/₹200 (~6% lower reward rate).
Frequently asked questions
What is the annual fee for the HDFC Bank Regalia Gold?
The published annual fee in our current record is ₹2,500 plus applicable GST. It can be waived after ₹4,00,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the HDFC Bank Regalia Gold?
5 Reward Points per ₹200 on eligible retail spends; complete ₹200 multiples. Accelerated routes include 5X Reward Points on eligible direct merchant payments; incremental rewards capped at 5,000 points/month on Myntra, Nykaa, Reliance Digital and Marks & Spencer direct card payments; 2.5 points per ₹100 on Eligible grocery spend (2,000 points monthly cap); 2.5 points per ₹100 on Eligible utility and telecom spend (2,000 points monthly cap). Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the HDFC Bank Regalia Gold?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, property management, wallet load, easy emi, smart emi, government, gaming, education third party, cash advance, fees. Merchant category coding and issuer terms determine final eligibility.
Who should consider the HDFC Bank Regalia Gold?
It is most relevant for people focused on travel, shopping, upper mid spender. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the HDFC Bank Regalia Gold worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹2,500 plus GST each year. The fee is waived at ₹4,00,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the HDFC Bank Regalia Gold?
The published minimum age is 21. The published monthly income floor is ₹1,50,000. HDFC publishes ₹1.5 lakh monthly income for non-government salaried and self-employed applicants; government salaried threshold is ₹1 lakh. No issuer credit-score cutoff is published. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the HDFC Bank Regalia Gold?
The recorded foreign-currency markup is 2% before GST. On ₹1,00,000 of international spend that is about ₹2,000 in markup, so compare it against any rewards earned on overseas transactions.
Does the HDFC Bank Regalia Gold offer airport lounge access?
Domestic lounge access: 3 visits/quarter after ₹60,000 spend in the preceding calendar quarter. International lounge access: 6/year outside India via Priority Pass; at least 4 card transactions required before requesting membership. Spend conditions and guest charges are set by the issuer and can change.