HDFC Bank Regalia Gold Credit Card
HDFC Bank · Points/miles card · ₹2,500 annual fee
Fees & benefits
| Annual fee | ₹2,500 + GST — waived at ₹4,00,000/yr spend |
| Welcome benefit | ~₹2,500 value |
| Airport lounges | 12 domestic · 6 international / year |
| No rewards on | fuel, wallet, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 5X reward points on Nykaa/Myntra/M&S/Reliance Digital | 6.25% | ₹2,500 | myntra, nykaa, reliance-digital, marks-and-spencer |
| Base reward points (5 RP per ₹200) | 1.25% | Uncapped | all eligible spend |
Milestones
Annual flight voucher: ₹5,000 at ₹5,00,000/yr spend
Additional annual flight voucher: ₹5,000 at ₹7,50,000/yr spend
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
Devalued effective 15 May 2026: base rate cut from 4 RP/₹150 to 5 RP/₹200; RP valued at ₹0.50 assuming flight/hotel (SmartBuy) redemption.
5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital are capped at 5,000 points/month across all four brands combined.
12 domestic + 6 international (Priority Pass) lounge visits/year; milestone flight vouchers at ₹5L and ₹7.5L annual spend.
Verified 2026-07-13 against official issuer sources (agent verification pass; manual human review unavailable).
Confirmed 2026-07-13 against the live issuer page (JS-rendered via browser).
Quick answers
Is the HDFC Bank Regalia Gold Credit Card lifetime free?
No, the annual fee is ₹2,500 (plus GST), waived on spending ₹4,00,000 a year.
What is the highest reward rate on the HDFC Bank Regalia Gold Credit Card?
6.25% — 5X reward points on Nykaa/Myntra/M&S/Reliance Digital. Effective value depends on monthly caps; see the caveats on this page.
Does the HDFC Bank Regalia Gold Credit Card give airport lounge access?
Yes — 12 domestic visits/year and 6 international visits/year.
Where the HDFC Bank Regalia Gold Credit Card fits
Ranks in our: Credit cards for airport lounge access (#4).
Best cards by spend: ₹15,000/month · ₹30,000/month · ₹60,000/month. Check if this card's fee is worth it.