HDFC Bank Regalia Gold Credit Card Review

HDFC Bank Regalia Gold Credit Card


Joining Fee: Rs 2500+GST
Annual Fee: Rs 2500+GST


Airmiles, Rewards


1.3% to 13.3%






Milestone Rewards, Domestic Airport Lounge Access, International Airport Lounge Access

We have a new credit card launch from HDFC Bank but it is not the rumoured super-premium Infinia Reserve. HDFC Bank launched Regalia in 2011. 12 years later, we have a new Regalia variant – the HDFC Bank Regalia Gold credit card. In many ways, this is the successor for the Regalia with better rewards and features. The HDFC Regalia Gold credit card comes with a joining fee of Rs 2500+GST and retains the standard rewards of Regalia. The additions over Regalia include better milestone benefits and airport lounge access without any spend conditions.


  • Salaried: Rs 1 Lakh net monthly income
  • Self-Employed: Rs 12 Lakhs per annum

As always, you can apply with C2C applications to get around these salary requirements. HDFC Bank also relaxes these criteria by quite a bit if one already has a savings account with them.

LTF IndusInd Bank Credit Cards

You can also upgrade to Regalia Gold based on the limit of your existing HDFC Bank credit card. If your existing HDFC Bank credit card has a credit limit of more than Rs 3 lakhs, you can request an upgrade to Regalia. The income requirements are fully relaxed in this case.


Joining FeeRs 2500+GST or FYF
Welcome BenefitRs 2500 GV if fee is paid
Welcome MembershipsComplimentary Club Vistara Silver Tier and MMT Black Elite Membership
Annual FeeRs 2500+GST or LTF
Renewal BenefitNone
Annual Fee WaiverOn Rs 4 Lakh annual spends
HDFC Bank Regalia Gold Credit Card Review: Fees and Charges

We need to spend Rs 1 Lakh within 90 days of getting the card to be eligible for the welcome benefits. HDFC Bank can surely do with offering better welcome benefits that can be useful for more customers. Club Vistara Silver is at most a value add and cannot be used by most customers considering Vistara flies to very limited cities. MMT Black Elite is another membership that does not provide any value. It would have been better if they had given Amazon Prime and Swiggy One annual membership in lieu of the welcome benefit.


Type of SpendRewardsReturn
Retail Spends4 RP/Rs 1501.3%
Accelerated Spends
(Marks & Spencer, Myntra, Reliance Digital and Nykaa)
20 RP/Rs 1506.7%
HDFC Bank Regalia Gold Credit Card: Rewards

The base reward rate is the same as what we get on Regalia. The accelerated spends at 20 RP per Rs 150 are a new addition over the Regalia. It is like getting the 10X Diners partners back but at a 5X reward rate. 🙂

LTF IDFC First Bank Credit Cards

As with other credit cards in the market, there are categories where HDFC Bank Regalia Gold does not get any rewards. These are:

Airtel Axis Bank Credit Card
  • Easy EMI
  • Wallets
  • Rent, Property Management, Packers and Movers etc.
  • Government Transactions

Cap on Rewards

Some of the categories also have a cap on the maximum points we can get. These are listed below.

Type of SpendCap
Accelerated Spend Partners5000 RP for 4X bonus points
Grocery2000 RP per calendar month
Insurance2000 RP per day
HDFC Bank Regalia Gold Credit Card: Cap on Rewards

Milestone Benefits

This is where the Regalia Gold is much better than the Regalia. It gets better milestone benefits for the same spend that we would have otherwise done on Regalia. So, if use Regalia as your primary credit card it makes even more sense to upgrade to Regalia Gold.

AU Bank Xcite Ace
Spend TargetBenefit
Rs 1.5 Lakh spend per calendar quarterRs 1500 Brand Gift Vouchers
Rs 5 Lakh spend in anniversary yearRs 5000 Flight Gift Voucher
Rs 7.5 Lakh spend in anniversary yearRs 5000 Flight Gift Voucher
HDFC Bank Regalia Gold Credit Card: Milestone Benefits
  • The options for the brand gift vouchers are Marriott, Myntra, Marks and Spencer or Reliance Digital.
  • The ‘flight voucher’ seems to be a coupon code that can be used on SmartBuy when booking flights. So, only voucher can be applied during booking and both cannot be clubbed. It would have been nice if both could be clubbed to get maximum benefit.

Assuming you can spend Rs 7.5 Lakh in a membership year and also achieve the Rs 1.5 Lakh spend per calendar quarter, this is a total benefit of Rs 16000. That makes it an extra return of 2.1% over the base reward rate. We can redeem these milestone benefits on the SmartBuy portal.

SmartBuy Rewards

HDFC Bank Regalia Credit Card Review - Smartbuy Rewards
HDFC Bank Regalia Gold Credit Card Review – SmartBuy Rewards

The normal/milestone rewards on Regalia Gold might seem less for a card in this segment. This is where SmartBuy is useful. For shopping on the below merchants through SmartBuy, we get accelerated rewards which increase the overall reward rate. The SmartBuy cap for HDFC Bank Regalia Gold credit card is 4000 RP per calendar month and 2000 RP per day. These caps are only for the bonus points. The base reward points are uncapped.

Shopping CategoryRewards Value at 1RP = 50 paise
Hotels10X 13.3%
Redbus5X 6.6%
Instant Voucher5X6.6%
Apple Tresor5X 6.6%
HDFC Bank Regalia Gold Credit Card: SmartBuy Rewards

Complimentary Airport Lounge Access

HDFC Bank recently announced revised airport lounge access conditions on its Regalia, Millennia and Diners Club Privilege credit cards. On these variants, we now get airport lounge access only if we spend Rs 1 Lakh in a calendar quarter. Regalia Gold does not have any such conditions on airport lounge access. So, consider upgrading to Regalia Gold if you need airport lounge access without any spend conditions.

  • Airport lounges within India: 12 complimentary visits per calendar year within India (both at domestic and international terminals). This can be availed by swiping the credit card at the lounge. The eligible list of lounges is available at this link.
  • Airport lounges outside India: 6 complimentary visits per calendar year with Priority Pass.

Both domestic and international airport lounge access is also available to add-on card members. The number of visits is shared across primary and add-on cards. Add-on card members get their own priority pass.

Other Benefits and Charges

  • Foreign Currency Markup: 2%+GST ~2.36%
  • Fuel Surcharge Waiver: Not available
  • Finance Charges: 3.6% per month / 43.2% annually

HDFC Bank Regalia Gold Credit Card Rewards Redemption

HDFC Bank Regalia Gold SmartBuy Redemptions

HDFC Bank Regalia Gold credit card provides multiple options for redeeming the reward points. The rewards can be redeemed on the Smartbuy redemption portal.

HDFC provides the option of redeeming products from its catalog, booking flights/hotels, gift vouchers, or even cash. What differs is the value offered for your rewards for these redemption options. If booking a flight or hotel, each reward point has a value of 50p. However, if we go for products, gift vouchers, or cash the value of each reward point drops to 20p. So, if you travel the best option is to book flights on Smartbuy using reward points or transfer them to one of the Airmiles partners.

Redemption OptionValue of 1 RP
Smartbuy (Flights/Hotels)50 paise
Airmiles – Intermiles, Singapore Airlines (Krisflyer), Club Vistara0.5 Airmiles
Rewards Catalogue (Including Vouchers)Up to 65 paise
Cashback20 paise
HDFC Bank Regalia Gold Credit Card: Redemption Options

HDFC Bank Regalia Gold Credit Card Transfer Partners

HDFC Bank Infinia and DCB Miles Transfer scaled

Regalia Gold also gets access to the same transfer partners as Infinia and Diners Club Black but with reduced ratios. Considering we cannot accumulate reward points at a faster rate on the Regalia Gold, this feature may not be that useful.

Transfer PartnerTransfer Ratio
Air Canada – AeroPlan3:1
Air Asia – airasia rewards2:1
ALL – Accor Live Limitless2:1
Avianca LifeMiles2:1
British Airways Executive Club3:1
Etihad Guest3:1
Finnair Plus2:1
Flying Blue2:1
Hainan Airlines – Fortune Wings Club2:1
IHG One Rewards2:1
Vietnam Airlines – Lotusmiles Program2:1
Turkish Airlines – Miles&Smiles2:1
United MileagePlus2:1
Wyndham Rewards2:1
Singapore Airlines – KrisFlyer2:1
Vistara Airlines – Club Vistara2:1
HDFC Bank Regalia Gold Credit Card Review: Transfer Partners

Final Thoughts

The benefits offered by the HDFC Bank Regalia Gold credit card put the card above Regalia and Diners Club Privilege in HDFC Bank’s credit card line up. So, the order of upgrade to Infinia would now become Regalia –> Regalia Gold –> Infinia. Considering Regalia has been heavily devalued, the Regalia Gold restores some of its ‘shine’.

Regalia Gold is best used for travel redemptions. If you are not into travel and are looking for better cashback redemption cards, then the Cashback, Millennia or Ace credit cards are better choices.

Should you upgrade from Regalia/Diners Club Privilege to Regalia Gold?

If you hold an LTF Regalia or Diners Club Privilege, you will get the option to upgrade to a paid Regalia Gold at some point. In these cases, do evaluate your spends before you upgrade.

If Regalia/Diners Club Privilege is your primary credit card, then upgrading to Regalia Gold makes sense. You will get better milestone benefits and airport lounge access without any spend conditions.

Frequently Asked Questions

HDFC Bank Regalia Gold Credit Card

Card Maven

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14 thoughts on “HDFC Bank Regalia Gold Credit Card Review”

  1. Chandrayaan

    Your answer should be no here.
    Because HDFC regalia comes with exactly same benefits with no annual and joining fee (lifetime free card).

    But new regalia gold comes with hefty annual fee with less card features and advantages.

    Best cards are available in market compared to new regalia gold card.

    1. Card Maven

      Regalia Gold has better milestone benefits even though the base reward rate is the same. Plus no spend conditions for airport lounge access. So, if you are going to spend on Regalia then may as well upgrade to Regalia Gold if you can take advantage of milestone benefits.

  2. Anjali Nambian

    I had a question regarding educational fees payment on this card. My son’s educational fees is paid via SBI collect which charges more than 1-1.5% if paid via credit cards. Does Regalia Gold or any other credit cards in the market still provide any cashback or rewards on these fees? If not ,will use Netbanking option only

  3. Gulshan Malhotra

    I already have a HDFC regalia credit card with a limit of 780000/. If I apply for gold card, would I pay annual fee?

    1. You may need to pay. I enquired. They said it’s not possible currently to offer LTF card.

  4. i would want to upgrade my Regalia LTF card to Regalia Gold LTF. need to check if possible


    I already have an HDFC Bank Regalia credit card and I have a credit limit of 508000. I want request for an upgrade to Regalia Gold

    1. I already have an HDFC Bank Regalia credit card and I have a credit limit of 500000. I want to know which one regalia or regalia gold is beneficial for me.

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