HDFC Regalia Gold Credit Card
HDFC Bank
A strong all-rounder for higher earners — good lounge access, low forex markup, and real travel-membership perks.
₹2,500
Joining fee
₹2,500, waived at ₹4L spend
Annual fee
Waiver condition not explicitly stated by the aggregator — no spend threshold given for the Rs 2,500 annual fee.
2%
Forex markup
4.3 / 5
Rating
Eligibility
Minimum income: ₹1,00,000/month
Estimated minimum CIBIL score: 750+
Estimated — not officially confirmed by the bank.
Age: 21–65
Salaried non-government min Rs 1.5 lakh/month; salaried government min Rs 1 lakh/month; self-employed min Rs 18 lakh/annum; age cap is 60 for salaried, 65 for self-employed. CIBIL not explicit; aggregator recommends a strong credit profile.
Lounge access
12 domestic / 6 international visits per year
Per Year: 12
Condition: Rs 60,000+ spend in that quarter
Per Quarter: 3
Per Year: 6
Mechanism: Priority Pass, unlocked after 4 retail transactions
Overage Cost: USD 27 + GST beyond complimentary allotment
Key features
- 5X reward points at Marks & Spencer, Myntra, Nykaa and Reliance Digital
- Complimentary Club Vistara Silver and MMT Black Elite memberships
- 12 domestic + 6 international lounge visits/year
- Milestone flight vouchers up to ₹10,000/year
- Low 2% forex markup
Reward details
5 reward points per Rs 200 spent across most categories, including insurance, utilities, and education
- 5X points on Nykaa, Myntra, Marks & Spencer, Reliance Digital — 5,000 points/month
- up to 10X points on SmartBuy vouchers — 3,000 points/month for vouchers, 4,000 points/month overall
Welcome bonus: Complimentary Swiggy One membership (on Rs 1 lakh spend within 90 days); complimentary MakeMyTrip Black Gold membership
- Rs 1.5 lakh+ quarterly spend: Rs 1,500 vouchers per quarter
- Rs 5 lakh+ annual spend: Rs 5,000 flight voucher
- Rs 7.5 lakh+ annual spend: additional Rs 5,000 flight voucher (up to Rs 16,000/year total milestone value)
Redemption
Points valid 2 years from accrual
Ratio: Gold Catalogue Rs 0.65/point; flights/hotels Rs 0.50/point; products Rs 0.35/point; cash Rs 0.20/point
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- 5X rewards on select brands, multiple redemption options, strong travel benefits including Priority Pass and flight vouchers make this a compelling all-rounder card — Paisabazaar
Complaints
- High spending thresholds required to unlock maximum milestone/lounge benefits; accelerated rewards limited to a narrow set of select merchants only — Paisabazaar
Sources
- Aggregator — fees, eligibility, lounge, rewards, sentiment
- Aggregator — forex
- Official — status confirmation