Regalia Gold Credit Card

Joining Fee

₹500

Annual Fee

Rs. 1500 (Reversed on annual spends of Rs. 2 Lakhs)

Forex Markup

3.5% + GST

INTERNATIONAL
Rewards
Best For: Frequent travelers

Regalia Gold Credit Card

Rewards Structure

Base Reward Rate

1.5% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹5,000 /monthly

Points Validity

24 Months

Pros

  • Great rewards
  • No forex markup

Cons

  • High annual fee

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Rewards cap applies

Key Benefits & Features

Detailed benefits inside

Eligibility Criteria

Min. Annual Income

₹3.0 Lakhs

Age Requirement

21+ Years

Occupation

SALARIED

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

Notable Exclusions

No points on Fuel

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

About Regalia Gold Credit Card

The HDFC Bank Regalia Gold Credit Card is positioned as the best lifestyle and travel credit card in HDFC Bank's premium credit card lineup. Designed for individuals who seek elevated everyday experiences, this card sits within the lifestyle and travel category, catering to those who value both rewarding spending and access to premium privileges. It is part of HDFC Bank's curated selection of cards aimed at discerning customers who desire more from their financial products. As a flagship offering under the Regalia brand, the Regalia Gold Credit Card is built to complement an aspirational lifestyle, making it particularly well-suited for frequent travelers and lifestyle-focused spenders. HDFC Bank presents this card as a top-tier choice for those who want meaningful rewards on their daily and travel expenditures, reinforcing its identity as a card that blends practicality with premium appeal. The card is offered through HDFC Bank's extensive digital and in-person banking ecosystem, giving cardholders access to a wide range of support services, reward redemption options, and financial tools. With its clear positioning as a best-in-class lifestyle and travel product, the Regalia Gold Credit Card represents HDFC Bank's commitment to delivering exceptional value to customers who expect more from their credit card experience.

Frequently Asked QuestionsAbout Regalia Gold Credit Card

OTHERWhat is the HDFC Bank Regalia Gold Credit Card?
The HDFC Bank Regalia Gold Credit Card is a premium lifestyle and travel credit card offered by HDFC Bank. It is designed for individuals who seek superior lifestyle privileges, travel benefits, and reward points on their everyday and premium spends. The card is positioned as one of HDFC Bank's best lifestyle and travel credit cards, offering a range of exclusive perks suited for frequent travelers and lifestyle enthusiasts.
ELIGIBILITYWhat are the eligibility criteria for the Regalia Gold Credit Card?
To apply for the HDFC Bank Regalia Gold Credit Card, applicants generally need to meet HDFC Bank's standard credit card eligibility requirements. This typically includes being an Indian resident, meeting a minimum age requirement (usually 21 years), having a stable source of income, and maintaining a good credit score. Salaried as well as self-employed individuals may be eligible. Specific income thresholds and age limits are subject to HDFC Bank's current policies at the time of application.
DOCUMENTSWhat documents are required to apply for the Regalia Gold Credit Card?
To apply for the HDFC Bank Regalia Gold Credit Card, you will typically need to submit the following documents: a valid identity proof (Aadhaar card, PAN card, or passport), address proof (Aadhaar, utility bills, or passport), recent passport-sized photographs, income proof (latest salary slips or bank statements for salaried individuals, or IT returns for self-employed applicants), and a completed application form. Requirements may vary, so it is advisable to check with HDFC Bank directly for the latest documentation checklist.
APPLICATIONHow can I apply for the HDFC Bank Regalia Gold Credit Card?
You can apply for the HDFC Bank Regalia Gold Credit Card through multiple channels. You can apply online via HDFC Bank's official website by filling out the Credit Card Application Form, or through the HDFC Bank mobile app. You may also visit the nearest HDFC Bank branch to apply in person. Additionally, if you are a pre-approved customer, you may receive a direct offer through NetBanking or the HDFC Bank app. You can also track your application status on the HDFC Bank website after applying.
FEESWhat are the joining and annual fees for the Regalia Gold Credit Card?
The exact joining and annual fee details for the HDFC Bank Regalia Gold Credit Card should be verified directly on the HDFC Bank official website or by contacting HDFC Bank customer care, as fee structures are subject to change. HDFC Bank may also offer fee waivers based on annual spends or special promotional offers. It is recommended to review the most current fee schedule before applying to understand all applicable charges.
REWARDSWhat reward points can I earn with the Regalia Gold Credit Card?
The HDFC Bank Regalia Gold Credit Card offers reward points on eligible spends, with accelerated points on lifestyle and travel categories. Cardholders earn reward points on every transaction, which can be redeemed for a variety of options including flights, hotels, merchandise, and more via HDFC Bank's SmartBuy portal. The card is tailored for lifestyle and travel spends, making it particularly rewarding for those categories. Exact earn rates and redemption values should be confirmed on the HDFC Bank official product page.
USAGEHow can I redeem my reward points earned on the Regalia Gold Credit Card?
Reward points earned on the HDFC Bank Regalia Gold Credit Card can be redeemed through HDFC Bank's SmartBuy portal for travel bookings (flights and hotels), instant vouchers, merchandise, and more. You can also redeem points against your credit card statement balance or for air miles with partner airlines. To redeem, log in to your NetBanking account or HDFC Bank MyCards portal, navigate to the rewards section, and select your preferred redemption option. Points typically have an expiry period, so regular redemption is recommended.
BENEFITSWhat travel benefits does the Regalia Gold Credit Card offer?
The HDFC Bank Regalia Gold Credit Card is positioned as one of HDFC Bank's best lifestyle and travel credit cards. It typically offers benefits such as complimentary airport lounge access, travel insurance coverage, rewards on travel bookings, and special offers on flights and hotels booked via SmartBuy. Cardholders may also enjoy concierge services and exclusive travel deals. For a complete and up-to-date list of travel benefits, please refer to the official HDFC Bank Regalia Gold Credit Card product page.
INTERNATIONALCan I use the Regalia Gold Credit Card for international transactions?
Yes, the HDFC Bank Regalia Gold Credit Card can be used for international transactions wherever the card network is accepted globally. Please note that foreign currency transactions may attract a forex markup fee, which is applicable on international spends. The card also typically offers travel-related benefits useful for international travelers, such as airport lounge access and travel insurance. For specific details on the forex markup rate and international usage guidelines, please refer to the HDFC Bank official website or the card's most recent terms and conditions.
OTHERHow do I block my Regalia Gold Credit Card if it is lost or stolen?
If your HDFC Bank Regalia Gold Credit Card is lost or stolen, you should immediately block it to prevent unauthorized usage. You can block the card through the following channels: HDFC Bank's mobile banking app, NetBanking portal, by calling HDFC Bank's 24x7 credit card customer care helpline, or via the MyCards portal. The HDFC Bank website also provides an option under 'Block My Credit Card' in the card services section. It is advised to act quickly to secure your account and request a replacement card.
APPLICATIONHow can I track my Regalia Gold Credit Card application status?
You can track the status of your HDFC Bank Regalia Gold Credit Card application online through the HDFC Bank official website by visiting the 'Track Your Application Status' section under card services. Alternatively, you can track your application via the HDFC Bank mobile app or by contacting HDFC Bank's customer care helpline with your application reference number. The tracking facility is available for both new applications and add-on card applications, making it easy to stay updated on your application's progress.
USAGEHow can I manage or control my Regalia Gold Credit Card spending?
HDFC Bank provides robust card management tools for Regalia Gold Credit Card holders. You can set card controls such as enabling or disabling international transactions, online transactions, or contactless payments through the MyCards portal or HDFC Bank mobile app. You can also set spending limits and manage your credit card preferences in real time. Additionally, you can enhance your credit limit, view statements, and monitor transactions through NetBanking or the HDFC Bank app, giving you full control over your card usage.
CANCELLATIONHow can I cancel or close my Regalia Gold Credit Card?
To cancel or close your HDFC Bank Regalia Gold Credit Card, you can reach out to HDFC Bank's customer care helpline, visit your nearest HDFC Bank branch, or submit a request through the NetBanking portal. Before cancellation, it is advisable to redeem any outstanding reward points, clear all dues, and cancel any standing instructions linked to the card. Once the card is closed, ensure you receive a written confirmation from HDFC Bank for your records. Note that closing a credit card may have an impact on your credit score.
BENEFITSWhat lifestyle benefits does the Regalia Gold Credit Card offer?
The HDFC Bank Regalia Gold Credit Card is marketed as one of HDFC Bank's best lifestyle and travel credit cards. It typically offers benefits such as reward points on dining, shopping, and entertainment spends, access to exclusive offers via HDFC Bank's SmartBuy and Just for You portals, instant vouchers, lifestyle privileges, and special deals on partner merchants. Cardholders may also enjoy concierge services and premium offers curated for a premium lifestyle. For the full and current list of lifestyle benefits, please visit the HDFC Bank official website.
OTHERIs there a credit card savings calculator available for the Regalia Gold Credit Card?
Yes, HDFC Bank offers a dedicated savings calculator for the Regalia Gold Credit Card on its official website. You can find it under the Calculators section, listed as 'Credit Card - Regalia Gold Calculator.' This tool helps you estimate the rewards and savings you can earn based on your monthly spending patterns across different categories. Using this calculator can help you assess whether the Regalia Gold Credit Card is the right fit for your lifestyle and spending habits before applying.

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