
Joining Fee
₹500
Annual Fee
Rs. 1500 (Reversed on annual spends of Rs. 2 Lakhs)
Forex Markup
3.5% + GST
Add-on Card Fee
₹250 per supplementary card
Late Payment Charges
2.5% of the outstanding amount · Minimum ₹500
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
Required Documents
IDENTITY Proof
Notable Exclusions
*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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