Credit card

HDFC Bank Regalia Gold Credit Card

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Apply for HDFC Bank Regalia Gold Credit Card

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Card review

HDFC Bank Regalia Gold Credit Card

4.3 8.6/10 DebitCue Score Verified Jun 20, 2026

Mid-premium lifestyle card with Priority Pass lounge access and low forex markup

Fee: ₹2,500 INR/yr (≈ $30); Waived on ₹4 lakh annual spend
Purchase APR: from 45%
Interest-free: 50 days
Foreign fee: 2%

Rewards

5 Reward Points per ₹200 on retail; 25 RP per ₹200 at Myntra, M&S, Nykaa, Reliance Digital; 1 RP = ₹0.50 for flights/hotels via SmartBuy

Welcome offer

₹2,500 gift voucher on joining; complimentary MMTBLACK Gold and Swiggy One memberships on ₹1L spend within 90 days

Our verdict

What stands out, and where it falls short.

What we like

5 Reward Points per ₹200 on retail; 25 RP…
Welcome bonus
50-day interest-free period
Airport lounge access
Travel insurance included

Worth weighing

₹2,500 INR/yr (≈ $30) card fee
2% foreign transaction fee
High interest if you carry a balance

Who It Is For

Whether the HDFC Bank Regalia Gold Credit Card fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges

Skip it if you are

Light spenders who won't beat the ₹2,500 INR/yr (≈ $30) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in INR.

Card fee: ₹2,500 INR/yr (≈ $30)
Purchase APR: from 45%
Interest-free period: 50 days
Foreign transaction fee: 2%
Monthly Interest Rate: 3.75% per month (45% p.a.)
Cash Advance Fee: 2.5% (min ₹500)

Rewards and features

Rewards: 5 Reward Points per ₹200 on retail; 25 RP per ₹200 at Myntra, M&S, Nykaa, Reliance Digital; 1 RP = ₹0.50 for flights/hotels via SmartBuy
Welcome offer: ₹2,500 gift voucher on joining; complimentary MMTBLACK Gold and Swiggy One memberships on ₹1L spend within 90 days
Pay with: Contactless
Boarding Edge Program: 2 quarterly perks (spa/buffet/hotel upgrade/airport transfer) on SmartBuy with boarding pass
Milestone Benefit: ₹5,000 flight voucher at ₹7.5L annual spend

Benefits and perks

Extras that come bundled with the card.

12 complimentary domestic airport lounge visits/year (2 per quarter, subject to ₹60k quarterly spend); 6 international Priority Pass visits/year
₹1 crore air accident cover; ₹15 lakh emergency hospitalisation cover
₹9 lakh credit liability cover
Low 2% foreign currency markup (vs standard 3.5%)

Eligibility

What you need before you apply.

Minimum Income (Salaried): ₹1 lakh/month

HDFC Bank Regalia Gold Credit Card: your questions answered

How much does the HDFC Bank Regalia Gold Credit Card cost?

The HDFC Bank Regalia Gold Credit Card costs ₹2,500 INR/yr (≈ $30). Waived on ₹4 lakh annual spend.

What rewards does the HDFC Bank Regalia Gold Credit Card earn?

The HDFC Bank Regalia Gold Credit Card earns 5 Reward Points per ₹200 on retail; 25 RP per ₹200 at Myntra, M&S, Nykaa, Reliance Digital; 1 RP = ₹0.50 for flights/hotels via SmartBuy.

Does the HDFC Bank Regalia Gold Credit Card charge foreign transaction fees?

Yes - the HDFC Bank Regalia Gold Credit Card charges a 2% foreign transaction fee.

Is there an interest-free period on the HDFC Bank Regalia Gold Credit Card?

Yes - up to 50 days interest-free when you pay your balance in full by the due date.

What is the interest rate on the HDFC Bank Regalia Gold Credit Card?

The HDFC Bank Regalia Gold Credit Card has a purchase APR of from 45%.

Does the HDFC Bank Regalia Gold Credit Card have a welcome offer?

Yes - ₹2,500 gift voucher on joining; complimentary MMTBLACK Gold and Swiggy One memberships on ₹1L spend within 90 days.

Is the HDFC Bank Regalia Gold Credit Card a credit, debit or prepaid card?

The HDFC Bank Regalia Gold Credit Card is a credit card issued by HDFC Bank on the Visa network.

Does the HDFC Bank Regalia Gold Credit Card support Apple Pay and Google Pay?

The HDFC Bank Regalia Gold Credit Card does not list Apple Pay or Google Pay support.

Where can I get the HDFC Bank Regalia Gold Credit Card?

The HDFC Bank Regalia Gold Credit Card is currently offered in India, Indonesia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan and 2 more.

How does DebitCue rate the HDFC Bank Regalia Gold Credit Card?

DebitCue rates the HDFC Bank Regalia Gold Credit Card 4.3 out of 5 (8.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.