HDFC Bank
VISA•••• •••• •••• 4242
HDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold Credit Card
HDFC Bank
Annual Fee
₹2,500
Effective Rate
0.50%
Network
VISA
Point Value
₹0.50/pt
About HDFC Bank Regalia Gold Credit Card
4 RP/₹150 (2.67/₹100) base; 5X on Myntra/Nykaa/Reliance Digital; cap 50K RP/statement. 1 RP = ₹0.65 gold catalogue / ₹0.50 flights. Welcome Swiggy One + MMT Black Gold. Priority Pass 6 intl lounge visits. ₹5K flight vouchers at ₹5L/₹7.5L milestones; ₹1.5K Myntra/Nykaa voucher on ₹1.5L quarterly.
Best For
Pros & Cons
thumb_upPros
- check_circle6 International Lounge Visits – Priority Pass
- check_circleWelcome: Swiggy One + MMT Black Gold
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹2,500 with no waiver option
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.50 — an effective return of 0.50% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 13.35% | 1335 pts≈ ₹668 |
| All other spends | 2.67% | 267 pts≈ ₹134 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the HDFC Bank rewards portal. Redemption value may vary by option.
Card Benefits
Welcome: Swiggy One + MMT Black Gold
Complimentary Swiggy One and MMT Black Gold annual memberships on card activation.
6 International Lounge Visits – Priority Pass
6 complimentary international lounge visits/year via Priority Pass.
Quarterly Domestic Lounge Access
Complimentary domestic lounge access based on quarterly spend.
1% Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1,50,000 (QUARTERLY)
₹1,500 Myntra/Nykaa vouchers on ₹1.5L quarterly spend.
Spend ₹4,00,000 (ANNUAL)
Annual renewal fee waived on ₹4,00,000 annual spend.
Spend ₹5,00,000 (ANNUAL)
₹5,000 flight vouchers on ₹5,00,000 annual spend.
Spend ₹7,50,000 (ANNUAL)
₹5,000 flight vouchers on ₹7,50,000 annual spend.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HDFC Bank website.
| Annual Fee | ₹2,500 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about HDFC Bank Regalia Gold Credit Card.
Ready to apply for HDFC Bank Regalia Gold Credit Card?
Apply directly on the HDFC Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.