Credit Cards · Honest Review

HDFC Bank Regalia Gold Credit Card

HDFC Bank · Visa

₹2,500Annual fee
2.00%Base rate
24Lounge visits/yr
₹100KMin income/mo
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Your Verdict

HDFC Bank Regalia Gold Credit Card
HDFC Bank · Visa
  • ✓5X rewards on Myntra, Nykaa, BookMyShow, Zomato, Swiggy, and Swiggy Instamart
  • ✓6 international lounge visits per year via Priority Pass
  • ✓Complimentary Swiggy One and MMT Black membership
  • ✓₹2,500 fee waived at ₹4L annual spend
  • ✓2X rewards on all other spends
₹2,500/yrAnnual fee
₹2,500
Annual fee
2.00%
Base reward rate
24/yr
Lounge access
Good
CIBIL score
Our verdict
The HDFC Regalia Gold is one of the best mid-premium cards in India — 5X rewards on Myntra, Nykaa, Zomato, and Swiggy, with complimentary Swiggy One membership and 6 international Priority Pass visits. At ₹2,500 (waived at ₹4L), the included memberships often exceed the annual fee value.
Fees & charges

What HDFC Bank Regalia Gold Credit Card costs you

HDFC Bank Regalia Gold Credit Card carries a ₹2,500 annual fee and a ₹2,500 one-time joining fee. The annual fee is waivable: Spend ₹4L/year.

FeeAmount
Annual fee (year 2+)₹2,500
Joining fee (one-time)₹2,500
Fee waiver conditionSpend ₹4L/year
Spend required for waiver₹4,00,000 / year
Foreign transaction fee (forex markup)Not disclosed / standard rates apply
Rewards & cashback

What you earn on every rupee spent

HDFC Bank Regalia Gold Credit Card earns 2.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping, dining & food, entertainment & ott and other bonus categories listed below. Each reward point is worth ₹0.5 when redeemed, giving a clear rupee value for your earnings.

CategoryReward rate
All other spends (base rate)2.00%
🛒 Online Shopping5%
🍽️ Dining & Food5%
🎬 Entertainment & OTT5%
5%
Online Shopping
5%
Dining & Food
5%
Entertainment & OTT
Welcome bonus

2,500 reward points on card activation

Reward types: Points

Benefits & perks

Beyond the reward rate

The non-reward benefits on HDFC Bank Regalia Gold Credit Card are meaningful for frequent users. Here is what you get with the card.

🛫
Airport lounge access
Domestic lounges — 24 visits/year. International lounges via Priority Pass.
⛽
Fuel surcharge waiver
1% fuel surcharge waiver on petrol pump transactions (standard terms apply).
Eligibility

Who can apply for HDFC Bank Regalia Gold Credit Card

HDFC Bank Regalia Gold Credit Card requires a minimum net monthly income of ₹1,00,000 for salaried applicants. It is open to salaried employees and self-employed professionals.

₹1,00,000
Min monthly income
21–60
Age (years)
RequirementDetail
Minimum monthly income₹1,00,000
CIBIL scoreNot specified — clean history expected
Age range21–60 years
Employment typeSalaried, Self-employed
Typical approval time7–10 working days
Verdict

Who should (and shouldn't) get HDFC Bank Regalia Gold Credit Card

✅ Best for
  • → Heavy spenders on online shopping who want 5% back
  • → Heavy spenders on dining & food who want 5% back
  • → Frequent travelers who value airport lounge access
  • → Moderate spenders who can clear the fee waiver condition
⚠️ Not ideal for
    Frequently asked questions

    HDFC Bank Regalia Gold Credit Card — Questions answered

    What is the annual fee for HDFC Bank Regalia Gold Credit Card?
    The annual fee is ₹2,500 from year 2 onwards, with a one-time joining fee of ₹2,500. The fee is waivable: Spend ₹4L/year.
    What is the minimum income required for HDFC Bank Regalia Gold Credit Card?
    Salaried applicants need a minimum net monthly income of ₹1,00,000. Self-employed applicants typically need equivalent annual income proof.
    What is the reward rate on HDFC Bank Regalia Gold Credit Card for online shopping?
    HDFC Bank Regalia Gold Credit Card earns 5% on online shopping with no monthly cap. On all other spends, the base reward rate is 2.00%.
    Does HDFC Bank Regalia Gold Credit Card provide airport lounge access?
    Yes — HDFC Bank Regalia Gold Credit Card includes domestic airport lounge access and international airport lounge access via Priority Pass, with 24 complimentary visits per year.
    How do I get the annual fee waived on HDFC Bank Regalia Gold Credit Card?
    The annual fee on HDFC Bank Regalia Gold Credit Card is automatically waived when you meet the spend threshold: Spend ₹4L/year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
    How long does it take to get HDFC Bank Regalia Gold Credit Card approved?
    Most applications for HDFC Bank Regalia Gold Credit Card are processed within 7–10 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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    Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.