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HDFC
Regalia Gold HDFC Bank
Visa
Visa
Illustration. Official card art comes from the bank.
Regalia Gold HDFC Bank
High spenders who want lounge access and steady rewards everywhere.
Annual fee₹2,500 + GST
Fee waiverAt ₹4,00,000 a year
Rewards paid asReward points
Lounge visits12 a year
Forex markup2%
Typical income₹1,50,000/mo
Rewards
| Where you spend | You get back |
|---|---|
| 5× partner brands Up to ₹1,000 back a month | 6.7% |
| Everything else | 1.3% |
No rewards on: fuel, rent, UPI.
Things to know
- Points are worth ₹50 per 100 as SmartBuy flights and hotels, ₹20 per 100 as statement credit. We count the SmartBuy flights and hotels value.
- Lounge visits unlock only if you spent ₹1,00,000 in the previous quarter.
- Lounge access comes as vouchers after the spend condition is met.
- Mainly offered in metro cities and tier 2 cities.
How to get the most from it
- Redeem points for flights and hotels through SmartBuy for the best value, not as statement credit.
- Myntra and Nykaa earn 5× points.
- Hit ₹5 lakh a year to unlock milestone vouchers and the fee waiver.
- 12 lounge visits a year make it worthwhile only if you fly often.
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Details last checked recently. Banks change terms often, so confirm on HDFC's website before applying.