Regalia Gold Credit Card
HDFC’s flagship premium travel card bridging the gap between mass-market and luxury. Regalia Gold features a strong milestone rewards architecture that provides up to ₹10,000 in annual flight vouchers alongside 5X rewards at select luxury retail brands, domestic lounges, and international Priority Pass lounge visits.
Why We Recommend The Regalia Gold Credit Card
The quintessential mid-to-premium lifestyle card. The combination of ₹10,000 flight milestones and 5X fashion perks makes it fantastic.
Corporate professionals, retail shoppers, and frequent domestic & international flyers
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the Regalia Gold Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: 1 RP = ₹0.50 for flights and hotels on SmartBuy Gold Catalogue on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for Regalia Gold Credit Card
Zero hidden costs. Complete fee schedule verified with HDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the Regalia Gold Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
12 complimentary domestic airport lounge visits per calendar year
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Up to 6 complimentary international lounge visits via Priority Pass
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes Regalia Gold Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Milestone vouchers worth ₹1,500 on quarterly spends of ₹1.5 Lakhs
Flight vouchers worth ₹5,000 on ₹5 Lakh annual spend + additional ₹5,000 on ₹7.5 Lakh spend
Low 2.0% foreign currency markup
Pros & Cons of the Regalia Gold Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Joining fee 100% neutralized with ₹2,500 welcome voucher
- High milestone bonus rewards (up to ₹10,000 in flight tickets/year)
- Both domestic and international lounge access with Priority Pass
Things to Consider (Cons)
- Domestic lounge visits tied to ₹1 Lakh quarterly spend criteria
- Points value for statement cashback is lower (₹0.20) than flight redemption (₹0.50)
Who Can Apply for the Regalia Gold Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
750+ Score Recommended
Applicants with a credit score of 750 or higher enjoy fast-tracked approval and preferential credit limits from HDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About Regalia Gold Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the Regalia Gold Credit Card?
Check your pre-approved credit limit and instant approval eligibility across HDFC Bank with 100% paperless verification and zero score impact.