HDFC Bank Regalia Gold Credit Card
HDFC Regalia Gold is a premium all-round rewards card offering accelerated points on travel and online spends via vouchers. Reward points can be redeemed for flights and hotles, making it a strong option for frequent domestic and international travelers.
- Issuer
- HDFC Bank
- Card type
- Rewards Card
- Category
- Travel & Lifestyle
- Joining fee
- ₹2,500 + GST
- Annual fee
- ₹2,500 + GST
- Rewards currency
- Reward Points
Highlights
- 1 RP = up to 0.5 air mile via airline partners
- Unlock Swiggy One and MMT Black Gold after ₹1 lakh spend in 90 days.
- Earn 5X rewards on Myntra, flight bookings, and gift vouchers through SmartBuy.
- Earn 10X rewards on PharmEasy, hotel bookings, and IGP through SmartBuy.
Welcome, annual & renewal benefits
Regalia Gold unlocks lifestyle memberships and a joining voucher when you meet the initial spend requirement.
| Benefit | Details |
|---|---|
| Welcome memberships | Swiggy One and MMT Black Gold after ₹1,00,000 spend in 90 days |
| Joining voucher | ₹2,500 travel voucher issued after the joining fee posts |
| Annual fee | ₹2,500 + GST (charged yearly) |
| Renewal fee waiver | ₹4,00,000 in a membership year |
Eligibility
- Monthly Income greater than ₹1,50,000
Reward earning
Build a healthy Reward Points balance on every purchase and supercharge partner merchant spends.
| Spend type | Earn rate | Reward Rate | Accor reward rate |
|---|---|---|---|
| Regular spends | 4 RP / ₹150 | 1.3% | 2.6% |
| Smartbuy Flights | 20 RP / ₹150 | 6.6% | 13.2% |
| Smartbuy Hotels | 40 RP / ₹150 | 13.2% | 26.4% |
| Smartbuy Gyftr | 20 RP / ₹150 | 6.6% | 13.2% |
| Smartbuy Train | 12 RP / ₹150 | 4% | 8% |
- 5X points partner on SmartBuy - Myntra, MakeMyTrip Holiday, Redbus and others
- 10X points partner on SmartBuy - PharmEasy, Jockey and more
- A maximum of 2,000 accelerated RPs can be earned in 1 day
- A maximum of 4,000 accelerated RPs can be earned in a calendar month
- Exclusions - fuel, wallet, rent and tax payments.
Redemption options
Redeem via HDFC SmartBuy for maximum value or move points to airline partners when conversions align with your itinerary.
- Airline partners convert at up to 1 RP : 0.5 air mile.
- You can cover up to 70% of a booking's value with Reward Points.
- Accor is the sweet spot as it gives 1 RP = ₹1 value.
| Channel | Value |
|---|---|
| SmartBuy exclusive catalog | 1 RP = ₹0.65 |
| SmartBuy flights & hotels | 1 RP = ₹0.50 (up to 50,000 RP/month) |
| Products & vouchers | Up to ₹0.35 per RP |
| Statement credit | ₹0.20 per RP (cap 50,000 RP/month) |
Milestone bonuses
Stay on track each quarter and anniversary year to scoop extra travel value.
| Milestone | Reward |
|---|---|
| ₹1,50,000 spend each quarter | ₹1,500 voucher from brands like Marriott, Myntra, MMT, Marks & Spencer, Reliance Digital |
| ₹5,00,000 annual spend | ₹5,000 flight voucher |
| ₹7,50,000 annual spend | Additional ₹5,000 flight voucher |
Lounge & travel comforts
- Priority Pass visits beyond the quota bill at US$27.
- Enjoy Good Food Trail dining offers with flat 10% off at thousands of restaurants via Dineout.
| Access type | Allowance | Notes |
|---|---|---|
| Domestic lounges | 12 visits / year | Swipe the card at terminals across India |
| International lounges (Priority Pass) | 6 visits / year | Usage within India is chargeable, add-on cards need their own Priority Pass |
Review
Regalia Gold is a solid offering from HDFC bank. Can work as a voucher card if you plan to redeem on Accor Hotels. Outside Accor Value is good but not great. Thre real bummer is daily cap of 2000 accelerated Reward points and monthly capping of 4000 accelerated Reward points. Those limits get exhausted fast
- Base reward rate is not good enough so use it only through SmartBuy.
- Accor gives the best value so you can use this as an Accor co-branded card.
- HDFC Salary Account customers can usually get this card as LTF.
- Regalia Gold is a no-brainer if you are not eligible for any other premium card
- Regalia Gold acts as a stepping stone towards DCB and Infinia
Apply now
Application is handled directly by HDFC Bank.