HDFC Regalia Gold Credit Card

HDFC Bank · Premium

5 Reward Points per Rs 200 on retail spends; 5X on Myntra, Nykaa, Reliance Digital and more.

Fee waiver

Spend ₹4,00,000 in a card year and the next annual fee is waived.

That is about ₹33,333 a month.

1 July 2026Worse for you
Domestic lounge access becomes 3 visits a quarter only after spending Rs 60,000 in the previous quarter.
Source
1 July 2026Worse for you
Accelerated reward points on SmartBuy brand gift vouchers are capped at 3,000 points a month within the overall SmartBuy cap.
Source
15 May 2026Worse for you
Reward points are earned per Rs 200 spent instead of per Rs 150, about a 25% cut on most cards; Infinia, Diners Black and BizBlack are unchanged.
Source
15 May 2026Better for you
New Boarding Edge programme gives 2 travel benefits a quarter (airport transfers, spa, dining or room upgrades) on uploading a boarding pass.
Source

Compare with other cards Fee waiver: what is left to spend Card EMI or personal loan? Cost of paying only the minimum

5X points (25 per ₹200) at Myntra, Nykaa, Reliance Digital and Marks & Spencer
5 points per ₹200 on groceries (up to 2,000 points a month)
5 points per ₹200 on utilities (up to 2,000 points a month)
5 points per ₹200 on insurance (up to 2,000 points a month)
5 Reward Points per ₹200

No rewards on fuel, rent, wallet loads.

Domestic visits need ₹60,000 spend in the previous calendar quarter (from July 2026). International via Priority Pass

Reward Points, worth about ₹0.2 each on the usual redemption. Expire after 2 years.

Salaried: net ₹1.5 lakh a month (₹1 lakh for government employees), age 21 to 60. Self-employed: ITR over ₹18 lakh, age 21 to 65

Published minimums. Approval is the bank's decision.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.04.

Spot a mistake on this page? Tell us