# Regalia Gold HDFC Bank (HDFC)

> High spenders who want lounge access and steady rewards everywhere.

- Page: https://creditselect.in/cards/regalia-gold
- Annual fee: ₹2,500 plus GST, waived on spends of ₹4,00,000 a year
- Network: Visa
- Rewards paid as: Reward points
- Lounge visits: 12 a year
- Foreign currency markup: 2%
- Typical minimum income: ₹1,50,000 a month
- Details last checked: 2026-10-23

## Rewards

| Where you spend | Back | Monthly limit |
|---|---|---|
| 5× partner brands | 6.7% | ₹1,000 |
| 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

1. Redeem points for flights and hotels through SmartBuy for the best value, not as statement credit.
2. Myntra and Nykaa earn 5× points.
3. Hit ₹5 lakh a year to unlock milestone vouchers and the fee waiver.
4. 12 lounge visits a year make it worthwhile only if you fly often.

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Source: CreditSelect (https://creditselect.in). Banks change terms often; confirm on HDFC's website before applying.