HDFC Bank Regalia Gold Credit Card

HDFC Bank · Open to apply

HDFC's mid-priced travel and lifestyle card. It earns 5 reward points per ₹200 (5X at Myntra, Nykaa, Reliance Digital and Marks & Spencer), a ₹1,500 voucher each quarter on ₹1.5 lakh and a flight voucher on ₹7.5 lakh, with 3 domestic lounge visits a quarter on ₹60,000 of spend, for ₹2,500 a year.

Annual fee
₹2,500 + GST a year
Joining fee
₹2,500 + GST
Fee waiver
Annual fee waived on ₹4,00,000 spend per card year
Base rate
Retail spends: 5 Reward Points per ₹200 (about 0.38% at cash value)
Lounges
Domestic: 3 visits a calendar quarter after ₹60,000 spend; International: 6 visits a calendar year
Forex markup
2%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • SmartBuy hotels, 10X (45 bonus points per ₹200 on top of the base): 45 Reward Points per ₹200 on top of the base rate (about 3.38% at cash value)
  • SmartBuy at IGP, Jockey and PharmEasy, 10X (45 bonus points per ₹200): 45 Reward Points per ₹200 on top of the base rate (about 3.38% at cash value)
  • 5X at Myntra, Nykaa, Reliance Digital and Marks & Spencer (20 bonus points per ₹200 on top of the base): 20 Reward Points per ₹200 on top of the base rate (about 1.5% at cash value)
  • SmartBuy flights, 5X (20 bonus points per ₹200): 20 Reward Points per ₹200 on top of the base rate (about 1.5% at cash value)
  • SmartBuy at redBus, Zoomcar, Apple (Imagine Tresor) and MakeMyTrip holiday packages, 5X (20 bonus points per ₹200): 20 Reward Points per ₹200 on top of the base rate (about 1.5% at cash value)

Earns nothing on

  • No points on fuel
  • No points on rent and property management, or on government payments
  • No points on wallet loads
  • No points on EasyEMI; points are reversed if a purchase is converted to SmartEMI
  • No points on online skill-based gaming (from 1 July 2025)
  • No points on education fees paid through third-party apps (from 1 September 2024)

Where the sources disagree

  • annual milestone: Stated three ways. The milestone T&C (and the older general T&C) gives one complimentary flight ticket worth ₹5,000 on net retail spend of ₹7.5 lakh in a card anniversary year. The product page says "₹5,000 worth flight vouchers on spends of ₹5 lakh and ₹7.5 lakh" (which could mean one voucher at either threshold, or ₹5,000 at each, ₹10,000 in all); its savings calculator says "Annual milestone of ₹5000 worth flight vouchers on spends of ₹5 lakhs and 7.5 lakhs". The fees FAQ says ₹5,000 on annual spends of ₹5 lakh. Unresolved; the T&C, the document that governs the benefit and the most conservative reading, is used.
  • statement cashback value per point: The product page shows "up to ₹0.20" in one section and ₹0.15 in another. The MITC v4.15 sets 15 paise a point from 1 November 2025 and is used.
  • base reward rate: The product page body and the 6 April 2026 change letter say 5 points per ₹200; only the page's savings calculator says 4 points. The letter and the current reward T&C are used.
  • card reissue fee: The fees FAQ says ₹100. The change letter and MITC v4.15 say ₹199 from 15 May 2026. The MITC is used.
  • SmartBuy flight multiplier: The product page says "Upto 10X rewards on Hotels and Flight bookings" and "Up to 10X on brands like Pharmeasy, Myntra, Apple Imagine Tresor, Jockey". The SmartBuy earn-rules table gives 10X on hotels, PharmEasy and Jockey but 5X on flights, Myntra and Apple Imagine Tresor. The table is used.
  • eligibility income, gross or net: The criteria section of the eligibility page says gross monthly income above ₹1.5 lakh; the FAQ and product page say net. The pages do not reconcile; the criteria section is used.

Terms the calculator does not value

  • Boarding Edge: any 2 of 4 travel experiences each quarter (spa, airport transfer, hotel dining, room upgrade). HDFC states no rupee value, so nothing is added.
  • Airmile conversion is "up to 0.5 airmile per point" through NetBanking and SmartBuy (50,000 points a month cap) but the partner programmes and per-partner ratios are not in the documents read, so no transfer option is entered.
  • SmartBuy accelerated points apply only to purchases made through the SmartBuy portal and only if the calculator's portal option is on. Regalia Gold is not named in the SmartBuy table; the "Regalia, Diners Privilege, BizPower" column is assumed. The caps are read as limits on the accelerated (bonus) points; HDFC does not say whether base points count.
  • The SmartBuy 5X on Myntra and Nykaa is the same rate as the card's own 5X at those brands and cannot be combined with it, so only the card's own rule is entered.
  • The welcome memberships (Swiggy One, MMT Black) have no value stated by HDFC, so the first-year total leaves them out. Unlocked within 48 hours; download within 60 days after the welcome period.
  • Milestone benefits (vouchers and flight ticket) restart from zero if the card is upgraded, reissued, closed or changes network.

Sources

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