Regalia Gold
Base Rate
1%
Forex Markup
2%
Joining Fee
₹2,500
Milestones
4
💳 Fee Structure
🧮 Reward Calculator
Monthly Spending Breakdown
Net Annual Value
+₹7,050
After ₹2,500 annual fee deduction
Base Rewards
₹5,550
Forex Net
+₹0
Milestones
₹4,000
Milestone Progress
₹1,500 vouchers from select brands on spending ₹1.5L in a quarter
Spend ₹1.5L annually
Renewal fee of ₹2,500 waived on spending ₹4L in an anniversary year
Spend ₹4L annually
₹5,000 flight voucher on spending ₹5L annually
Spend ₹5L annually
Additional ₹5,000 flight voucher on spending ₹7.5L annually (Cumulative ₹10,000)
Spend ₹7.5L annually
📝 Detailed Review
The CardVault Verdict
The HDFC Regalia Gold Credit Card is the definitive entry-premium travel and lifestyle credit card in India. It serves as a great bridge between mid-tier cards like Millennia and super-premium cards like Infinia. By offering 10X points on SmartBuy and 5X points on partner brands, it enables high reward rates. However, the spend-based domestic lounge access policy (₹60k/quarter) is a major drawback for low-volume spenders.
Who Should Apply?
Best suited for individuals with annual spends between ₹4L and ₹8L, who book travel frequently via HDFC SmartBuy, and who want international lounge access benefits without heavy spend criteria.
Lounge Access
Spend-Based Access
Spend ₹60,000/quarter to unlock
Required threshold to activate lounge visits
Visits / Year
18visits
Supported Networks
Additional Notes
3 domestic lounge visits per calendar quarter (spend-based: min ₹60k in previous quarter) + 6 complimentary international lounge visits per year via Priority Pass.
🔄 Transfer Partners
Singapore Airlines KrisFlyer
airline
Club Vistara
airline
Air Canada Aeroplan
airline
Accor Live Limitless
hotel
⚖️ Pros & Cons
✓Pros
- •Outstanding 12.5% return on flights/hotels booked via HDFC SmartBuy portal
- •6 complimentary annual international lounge visits via Priority Pass with zero spend conditions
- •Highly rewarding milestones giving up to ₹16,000 in vouchers on ₹7.5L annual spend
- •Boosted 6.25% return at retail partners (Myntra, Nykaa, Marks & Spencer, Reliance Digital)
✗Cons
- •Domestic lounge access is gated behind a high quarterly spend threshold of ₹60,000
- •Standard reward redemption outside catalogue/travel carries lower value (e.g. statement credit is only ₹0.20 per point)
- •Forex markup rate of 2.0% + GST is higher than dedicated travel cards
Historical Changes
Track record of card modifications
New lounge spend requirement
Domestic lounge access became spend-based: ₹60,000 spend in the preceding calendar quarter required to unlock visits.
SmartBuy capping update
Monthly bonus points cap via SmartBuy portal was streamlined.