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Independent card analysis

HDFC Regalia Gold Credit Card

HDFC Bank · Visa · Mid card

Balanced lifestyle and travel card offering strong lounge allowances, reliable point redemption for flights/hotels, and predictable quarterly milestones.

Best suited to

Salaried executives and families spending ₹40,000+ monthly with regular travel needs.

Authored and reviewed by GainFair
Terms checked 14 Sept 2026
Annual fee
₹2,500 + GST
Joining fee
₹2,500 + GST
Base reward rate
0.4%
Forex markup
2%

Reward rates by spending category

Named merchant rates apply only to eligible purchases with that merchant. The category table uses conservative rates for other spending.

Named merchant rates

Myntra
1.9%
CategoryRecorded rate
Travel & hotels
0.4%
Online shopping
0.4%
Dining & delivery
0.4%
Groceries & essentials
0.4%
Beauty & wellness
0.4%
Entertainment & movies
0.4%
Subscriptions & streaming
0.4%
Offline store shopping
0.4%
Bills & utilities
0.4%
International spending
0.4%
Insurance premiums
0.4%
Education & family
0.4%
Healthcare & pharmacy
0.4%
Other miscellaneous
0.4%
Fuel & commute
0%
House rent
0%

Caps and fee waiver

Reward caps
Maximum points per statement cycle: ₹7,500/statement cycle
Annual fee waiver
At ₹4,00,000 annual spending
Monthly income requirement
Approx. ₹1,50,000/month salaried · ₹1,50,000/month self-employed

Airport lounge access

12 domestic airport lounge visits per year • 6 international airport lounge visits per year

3 domestic airport lounge visits per quarter · Issuer card

Guest access: Not specified

Requires ₹60,000 per Calendar quarter for the following calendar quarter

6 international airport lounge visits per year · Priority Pass

Guest access: Not specified

Spend condition: ₹60,000 eligible spend in the preceding calendar quarter for domestic access

Benefit details

Benefits & conditions

Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.

Rewards and cashback · 3 items

  • Selected 5X brand rewards

    Usage-based value

    5X applies to eligible named brands from ₹150; incremental rewards are capped at 5,000 points per calendar month, after which base earn continues.

    Conditions: 5X applies to eligible named brands from ₹150; incremental rewards are capped at 5,000 points per calendar month, after which base earn continues.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Regalia Gold base points

    Usage-based value

    5 Reward Points per ₹200 applies to eligible spend from 15 May 2026; GainFair values each point at the conservative ₹0.15 statement-credit route.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • 5X Reward Points on Myntra, Nykaa, Marks & Spencer, and Reliance Digital

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-14Official source ↗
Fees · 2 items

  • Annual card fee

    Cost ₹2,500

    ₹2,500 annual fee before applicable tax.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Joining fee

    Cost ₹2,500

    ₹2,500 one-time joining fee before applicable tax.

    Status: verifiedReviewed: 2026-09-14Official source ↗
Fee waiver · 1 item

  • Annual fee waiver

    Usage-based · up to ₹2,500

    Annual fee may be waived after ₹4,00,000 of eligible annual spending.

    Conditions: Reach ₹4,00,000 eligible annual spending

    Status: verifiedReviewed: 2026-09-14Official source ↗
Spend milestones · 3 items

  • Quarterly ₹1.5 lakh voucher

    Recorded value ₹1,500

    Unlocked after ₹1,50,000 of eligible spending.

    Conditions: Reach ₹1,50,000 per calendar quarter

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Annual ₹5 lakh flight voucher

    Recorded value ₹5,000

    Unlocked after ₹5,00,000 of eligible spending.

    Conditions: Reach ₹5,00,000 per card anniversary year

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Additional annual ₹7.5 lakh flight voucher

    Recorded value ₹5,000

    Unlocked after ₹7,50,000 of eligible spending.

    Conditions: Reach ₹7,50,000 per card anniversary year

    Status: verifiedReviewed: 2026-09-14Official source ↗
Airport lounge access · 2 items

  • Domestic lounge access

    Usage-based value

    3 visits per quarter through Issuer card. Guest access: not specified.

    Conditions: Spend ₹60,000 per calendar quarter

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • International lounge access

    Usage-based value

    6 visits per year through Priority Pass. Guest access: not specified.

    Status: verifiedReviewed: 2026-09-14Official source ↗
Foreign-currency charges · 2 items

  • Foreign-currency markup

    Usage-based value

    2% foreign-currency markup before applicable tax.

    Conditions: Applies to eligible foreign-currency transactions

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Low 2.0% forex markup on international spends

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-14Official source ↗
Eligibility and availability · 1 item

  • Application eligibility

    Shown without a cash value

    Application availability: open. The conservative salaried threshold is the private-sector ₹1.5 lakh monthly requirement because the profile does not collect employer sector; the published government-salaried threshold is ₹1 lakh. Self-employed threshold is derived from ₹18 lakh annual ITR.

    Status: verifiedReviewed: 2026-09-14Official source ↗
Other categories (11)

These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.

What stands out

  • ✓ Three domestic lounge visits per quarter after ₹60,000 eligible spend in the preceding calendar quarter; six international visits yearly
  • ✓ Low 2.0% forex markup on international spends
  • ✓ 5X Reward Points on Myntra, Nykaa, Marks & Spencer, and Reliance Digital
  • ✓ Quarterly milestone vouchers of ₹1,500 on ₹1.5 Lakh quarterly spend

What to watch

GainFair uses the lowest current published statement-credit value of ₹0.15 per point by default; travel and Gold Catalogue values require the matching redemption route.

Recorded exclusions

Fuel Commute · Rent · Wallet load · Government payments

How GainFair evaluates this card

The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.

Ask the advisorApply ↗Read the methodology

Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.

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Issuer sources

Open the sources used for this card's product details, rewards, fees and eligibility.

Product ↗Rewards ↗Fees ↗Eligibility ↗Change notice ↗

Sources checked 14 Sept 2026 · Latest recorded change effective 15 May 2026