HDFC Bank
HDFC Regalia Gold
Cardmember
CARD COMPARE MEMBER
Official Bank References:
HDFC Regalia Gold Credit Card Review
Ideal Category: TravelJoining Fee
₹2,500
Annual Fee
₹2,500
Lounge access
Domestic / International
Forex Markup
2.00% of the transaction value + taxes (Low Foreign Exchange markup fee).
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Card Overview & Suitability
Who should get this card
Frequent flyers, corporate employees with high annual spends (₹4L+), and luxury lifestyle spenders who want domestic/international lounge benefits and low forex markup fees.
Who should avoid this card
Beginners or low spenders who cannot cross the ₹4 Lakhs milestone to waive the high ₹2,500 annual maintenance fee.
Fees & Key Charges
Official fee schedule as detailed in the Most Important Terms and Conditions (MITC).
| Fee Parameter | Charge / Milestone | Description |
|---|---|---|
| Joining Fee | ₹2,500 | Charged on card issuance (often offset by welcome vouchers). |
| Annual Maintenance Fee | ₹2,500 | Billed annually starting from the second year onwards. |
| Annual Fee Waiver Limit | Waived on annual spends of ₹4,00,000 or more in the previous year. | Required spending target in the previous year to waive renewal costs. |
| Foreign Currency Markup | 2.00% of the transaction value + taxes (Low Foreign Exchange markup fee). | Markup charged on cross-border payments or foreign site checkouts. |
| Finance / Interest Charges | 3.60% per month (43.20% per annum). | Annualized interest rate applied to outstanding balances and new transactions. |
Reward Rates & Accelerator Rules
Maximize points accumulation by routing spends to partner e-commerce platforms.
Base Rate
Base Rewards Rate
4 Reward Points for every ₹150 spent on general transactions.
Accelerator
Brand and SmartBuy Acceleration
20 Reward Points per ₹150 spent at Myntra, Nykaa, Marks & Spencer, and Reliance Digital. Up to 10X points on HDFC SmartBuy.
Redemption
Premium Travel Exchange
Redeemable for flights and hotel bookings on SmartBuy at ₹0.50 per point, or convert to air miles. ₹99 redemption fee applies.
Exclusions
Premium Exclusions
No reward points on rent, fuel transactions, property taxes, and EMIs. Point validation capped at 3 years.
Pros & Cons Breakdown
Unbiased analysis highlighting advantages and critical limitations.
Pros & Key Benefits
- Complimentary domestic and international airport lounge access.
- High reward point value on flight/hotel bookings via SmartBuy (up to ₹0.50/point value).
- Low foreign currency markup rate (2.0%) compared to standard cards (3.5%).
Cons & Drawbacks
- Relatively high joining and annual fees of ₹2,500.
- Higher minimum spend threshold (₹4 Lakhs) required to waive the annual fee.
- Points redemption fee of ₹99 is applicable per transaction.
Eligibility Requirements
Documents Required
Card-Specific FAQs
CardCompare India is not a bank or credit card issuer. The approval of credit card applications, credit limit assignments, interest rates, and fee waivers are decided solely by the respective bank based on CIBIL verification and internal criteria. All terms displayed here are sample data pending verified confirmation; please check the Respective Bank website for official terms before applying.