Travel · Visa
Regalia Gold
By HDFC · Visa
₹2,500
+ GST
Annual Fee
₹2,500
+ GST
Joining Fee
up to 8.7%
Best Rate
The Verdict
Mid-tier premium HDFC card. May 2026 changes: reward rate reduced from 4 RP/₹150 (1.73%) to 5 RP/₹200 (1.625%) - approximately 6% drop. Domestic lounge access now requires ₹60K quarterly spend (3 per ...
Best Suited For
- Mid-to-high spenders wanting milestone flight vouchers
- Online shoppers (5X on Myntra, Nykaa, Reliance Digital)
- Travelers needing domestic + international lounge access
- Users wanting Swiggy One and MMT Black Gold memberships
Welcome & Onboarding
Benefit 1
Complimentary Swiggy One membership — on ₹1,00,000 spends within first 90 days of card issuance
Benefit 2
Complimentary MMT Black Gold membership — on ₹1,00,000 spends within first 90 days of card issuance
Airport Lounge Access
Domestic
3 complimentary accesses per quarter within India (at domestic and international terminals) using HDFC Bank Regalia Gold Credit Card directly
International
6 complimentary lounge accesses per calendar year outside India via Priority Pass (shared between primary and add-on members)
Reward Rates
SmartBuy Portal (5X) Cap: ₹5,000/month | 8.7% |
Myntra/Nykaa/Reliance Digital (5X) Cap: ₹5,000/month | 8.7% |
Insurance Cap: ₹2,000/day | 1.6% |
Grocery Cap: ₹2,000/month | 1.6% |
Base Spends | 1.6% |
Milestone Rewards
₹5,00,000 in a year
₹5,000 worth flight vouchers
₹7,50,000 in a year
₹5,000 worth flight vouchers (additional)
Total ₹10,000 in flight vouchers if both milestones hit
₹1,50,000 in a calendar quarter
₹1,500 worth Myntra/Nykaa vouchers
Quarterly milestone — available every quarter