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

Add-on Card Fee

₹250 per supplementary card

Late Payment Charges

2.5% of the outstanding amount · Minimum ₹500

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.

These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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