HDFC Bank Regalia Gold Credit Card review
Regalia Gold pays off for people who spend ₹5–7.5 lakh a year, claim the milestone vouchers and redeem points for travel. At lower spends the 2,500 fee is hard to recover, and a cashback card will beat it. Don't count on easy lounge access any more, since domestic visits now depend on quarterly spending.
Fees
₹2,500 a year + GST. Renewal fee waived on ₹4 lakh of retail spends in the card year. Forex markup 2%.
Rewards
Statement credit pays ₹0.15 a point (since 1 Nov 2025). Products and vouchers pay up to ₹0.35, SmartBuy flights and hotels ₹0.50 (points can cover up to 70% of the booking), airline miles up to 0.5 a point, and the 'Exclusive Gold Catalogue' ₹0.65. Catalogue redemptions cost ₹99 + GST.
- Online shopping: 0.38% – Base rate. 5X points (about 1.9% at base value) at Myntra, Nykaa, Reliance Digital and Marks & Spencer, online or in store; the extra points are capped at 5,000 a month (₹750 at base value).
- Groceries: 0.38% – Grocery points capped at 2,000 a month
- Fuel: 0% – No points on fuel
- Flights & hotels: 0.38% – Base rate when booked directly. SmartBuy gives up to 10X on hotels and flights, but the extra SmartBuy points are reportedly capped at about 4,000 a month.
- Bills: 0.38% – Utility points capped at 2,000 a month; telecom bills have a separate 2,000-point cap
- Rent: 0% – No points on rent or property-management payments; 1% fee from the second third-party rent payment in a month
- Insurance: 0.38% – Insurance points capped at 2,000 a month
- Education: 0.38% – Earns only when paid directly to the institution; third-party apps earn nothing
- UPI with a credit card: 0% – We could not find a RuPay variant, so this card can't be used for UPI payments
- Foreign currency: 0.38% – Earns base points; 2% forex markup
- Everything else: 0.375%
On a typical spending pattern this card gives back about ₹1,575 a year.
What’s good
- 5 points per ₹200 on most spends, and 5X at Myntra, Nykaa, Reliance Digital and Marks & Spencer
- Spend-linked milestones worth up to ₹16,000 a year in vouchers
- 6 free international lounge visits a year with Priority Pass
- Boarding Edge: upload a boarding pass and pick 2 travel perks a quarter (spa, airport cab, hotel meal or room upgrade)
- 2% forex markup, lower than most mid-range cards
What’s not
- Plain earn rate is low: about 0.4% as statement credit and 1.25% even on SmartBuy travel
- Domestic lounge visits now need ₹60,000 of spending in the previous quarter
- Points on groceries, utilities and insurance are capped at 2,000 a month each
- ₹1.5 lakh a month income needed for salaried private-sector applicants
Lounge access
Domestic: 3 visits a quarter (up to 12 a year), only if you spent ₹60,000 or more in the previous calendar quarter (from July 2026). International: 6 visits a year through a Priority Pass, requested via phone banking.