HDFC Bank Regalia Gold Credit Card

Name: HDFC Bank Regalia Gold Credit Card
Brand: HDFC

WalletWalk Rating

Best for premium travel & lifestyle benefits

Last updated: 09-Mar-2026

Overview

The HDFC Bank Regalia Gold Credit Card is designed for people who love travel, shopping, and dining out. With great milestone benefits, exclusive memberships, and a strong rewards program, it offers substantial value for both international and domestic use.

Pros

↑Complimentary Club Vistara Silver Tier and MMT Black Gold Membership
↑20 RP on retail spends

Cons

↓No rewards on fuel, cash advances, EMI, rent, or taxes
↓Welcome benefits require ₹1L spend in the first 90 days

Key Highlights

Welcome Offer
₹2,500 Fee Reversal as Gift Voucher
Get Club Vistara Silver & MMT Black Gold Membership by spending ₹1L in first 90 days. Pay ₹2,500 membership fee, receive equal value gift voucher.

Reward Rate
4 - 20 RP per ₹150 spent on retail, 7.5% savings on Swiggy Dineout.
4 RP on retail, 20 RP at select stores.
Upto 7.5% savings on 20k+ restaurants with Swiggy Dineout app.

Minimum Salary
₹12,00,000

Joining Fee
₹2,500

Annual Fee
₹2,500
Waive the renewal fee by spending ₹4L in an anniversary year (12 billing cycles)

Key Benefits

Dining

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Receive up to 7.5% savings on restaurant bill payments via Swiggy Dineout

Milestone

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₹1,500 gift voucher from select stores on ₹1.5L spend quarterly.
₹ 5,000 worth flight vouchers on ₹5L spend yearly.
Additional ₹ 5,000 worth flight vouchers on ₹7.5L spend.

Reward Points

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Earn 4 - 20 Reward Points on every ₹150 spent on retail
Earn 20 reward points on spends at Marks & Spencer, Myntra, Nykaa, and Reliance Digital.

Shopping

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Get a ₹1,500 gift voucher quarterly from Marriott, Myntra, Marks & Spencer, or Reliance Digital with ₹1.5L spend.

Merchant Offers

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Earn 20 Reward Points for purchases at Marks & Spencer, Myntra, Nykaa, and Reliance Digital.

Airport Lounge Access

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Priority pass allows 6 complimentary visits/year outside India, $27 + GST charged per visit, after 6 visits
12 complimentary visits/year at domestic and international terminals in India

Liability Protection

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If the card is lost, stolen, or misused, the Bank follows its 'Customer Protection Policy' as per RBI guidelines, available on its website.
There will be zero liability for transactions made after the loss is reported.

Insurance

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Benefit from an accidental air death cover worth ₹1 Cr, Emergency overseas hospitalization coverage up to ₹15L, Credit liability cover for amounts up to ₹9L.

Balance Transfer

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1% of BT amount / ₹250 (whichever is higher).

Emi

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Option to convert big spends into EMI after purchase.

Detailed Information

Joining Fee	₹2,500
Annual Fee	₹2,500
Annual Fee Waiver	Waive the renewal fee by spending ₹4L in an anniversary year (12 billing cycles)
Monthly Percentage Rate	3.75%
Annual Percentage Rate	45.00%
Minimum Monthly Payment	5% of the outstanding balance due
Foreign Currency Markup	2% on all your foreign currency spends.
Late Payment Charges	₹100 - ₹1300 (Based on outstanding amount due)
Overlimit Charges	2.5% fee on overlimit amount (Minimum: ₹550)
Cash Advance Fee	2.5% of the withdrawn amount (Minimum: ₹500)
Balance Transfer Fee	Up to 1% of the transfer amount (Minimum: ₹250)
Fee For Supplementary Card	Lifetime Free
Card Replacement Fee	₹100
Fee For Duplicate Statement	₹10 per duplicate hard copy
Fee For Cheque Bounce	₹450 (₹400 for Senior citizens) + service tax

Identity Proof	PAN card, Aadhaar card, Passport, Driving license, Voter ID, Job card issued by National Rural Employment Guarantee Act (NREGA) signed by a state government official.
Address Proof	Aadhar card, Passport, Driving License, Voter ID, Latest Utility Bills (Electricity/Phone/water/Gas), Rent agreement, Latest Flat maintenance bill (max 2 months), Latest 3 months of bank statement or passbooks.
Income Proof Salaried	Attested copy of the payslips (3 months)/Form-16 and copy of the visiting card or Office Id card.
Income Proof Self Employed	Attested copy of the latest ITR (Income Tax Return) and copy of the Pan card along with Computation of Income.

HDFC Bank Regalia Gold Credit Card

Age Requirement Salaried	21 to 60 years
Age Requirement Self Employed	21 to 65 years
Minimum Annual Income Salaried	₹12,00,000
Minimum Annual Income Self Employed	₹12,00,000

Age Requirement Salaried	21 to 60 years
Age Requirement Self Employed	21 to 65 years
Minimum Annual Income Salaried	₹12,00,000
Minimum Annual Income Self Employed	₹12,00,000