HDFC Bank Regalia Gold Credit Card

8.2
Expert ScoreRead review
  • Complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over ₹1 lakh within 90 days of getting the card issued.
  • 1500 worth vouchers from any one of M&S, Myntra, Reliance Digital, or Marriott on spending Rs. 1.5 Lakhs each quarter
  • 5000 worth complimentary flight ticket on spending Rs. 7.5 Lakhs in the cad anniversary year
  • 4 Reward Points on every retail spend of Rs. 150 and 5X accelerated Reward Points on every Rs. 150 spent on purchases at M&S, Nykaa, Myntra, and Reliance Digital
  • 12 complimentary lounge access in India at both international and domestic terminals every year
  • 6 complimentary lounge access outside India through the Priority Pass
  • Air death cover up to Rs. 1 Crore and Rs. 9 Lakh lost card liability cover
  • Renewal fee waiver on spending Rs. 4 Lakhs in the card anniversary year
  • Low foreign currency markup fee of 2%

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HDFC Bank Regalia Gold Credit Card

8.2
Expert ScoreRead review
  • Complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over ₹1 lakh within 90 days of getting the card issued.
  • 1500 worth vouchers from any one of M&S, Myntra, Reliance Digital, or Marriott on spending Rs. 1.5 Lakhs each quarter
  • 5000 worth complimentary flight ticket on spending Rs. 7.5 Lakhs in the cad anniversary year
  • 4 Reward Points on every retail spend of Rs. 150 and 5X accelerated Reward Points on every Rs. 150 spent on purchases at M&S, Nykaa, Myntra, and Reliance Digital
  • 12 complimentary lounge access in India at both international and domestic terminals every year
  • 6 complimentary lounge access outside India through the Priority Pass
  • Air death cover up to Rs. 1 Crore and Rs. 9 Lakh lost card liability cover
  • Renewal fee waiver on spending Rs. 4 Lakhs in the card anniversary year
  • Low foreign currency markup fee of 2%
Category:
Reward Type
Reward Points
Renewal Fee
Rs. 2500 plus taxes
Joining Fee
Rs. 2500 plus taxes
Type of Card
Shopping
Welcome Benefits
complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over Rs. 1 Lakh inside 90 days of getting the card issued

USP of Card

  • Complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over ₹1 lakh within 90 days of getting the card issued.
  • 1500 worth vouchers from any one of M&S, Myntra, Reliance Digital, or Marriott on spending Rs. 1.5 Lakhs each quarter
  • 5000 worth complimentary flight ticket on spending Rs. 7.5 Lakhs in the cad anniversary year
  • 4 Reward Points on every retail spend of Rs. 150 and 5X accelerated Reward Points on every Rs. 150 spent on purchases at M&S, Nykaa, Myntra, and Reliance Digital
  • 12 complimentary lounge access in India at both international and domestic terminals every year
  • 6 complimentary lounge access outside India through the Priority Pass
  • Air death cover up to Rs. 1 Crore and Rs. 9 Lakh lost card liability cover
  • Renewal fee waiver on spending Rs. 4 Lakhs in the card anniversary year
  • Low foreign currency markup fee of 2%

Fees & Charges

Spend Based Waiver
Renewal fee waiver on spending Rs. 4 Lakhs in the card anniversary year
Interest Rates
3.6% per month (or 43.2% per annum)
Cash Advance Charges
2% on all forex transactions
Rewards Redemption Fee
Rs. 99 per redemption request (plus applicable taxes)
Fuel Surcharge
1% fuel surcharge waiver on all transactions between Rs. 400 and Rs. 5000
Foreign Currency Markup
2.5% of the amount or Rs. 500, whichever is higher
Late Payment Fee
NIL on Less than Rs. 100, Rs 1300 on due More than Rs. 50,000, Rs 500 on due between Rs. 501 – Rs. 5,000, Rs 600 on due between Rs. 5,001 – Rs. 10,000, Rs 800 on due between Rs. 10,001 – Rs. 25,000
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
NA
Reward Redemption
convert RPs into airmiles through Netbanking at the rate of 1 RP = 0.50 Airmiles, Redeem RPs against the Exclusive Gold Catalogue on Smartbuy at the rate of 1 RP = Rs. 0.65, Redeem RPs for flight/hotel bookings via the Smartbuy portal at the rate of 1 RP = Rs. 0.50, Redeem RPs for products and gift vouchers on the Smartbuy portal at the rate of 1 RP = Rs. 0.35,
Zero Liability Protection
Cardholder will not be liable for any fraudulent transaction made with the card in case of timely reporting to the bank about loss or theft of card
Rewards Rate
Get 20 Reward Points on every spend of Rs. 150 on Myntra, Marks and Spencers, Nykaa, and Reliance Digital, Get 4 Reward Points on every spend of Rs. 150 on retail including utilities, insurance, and education
Travel
5000 worth complimentary flight ticket on spending Rs. 7.5 Lakhs in the cad anniversary year, Complimentary domestic and international lounge access, complimentary flight tickets on reaching spend milestones, complimentary MMT Black Elite and Club Vistara Silver Tier membership
Online Shopping offers
1500 worth vouchers from any one of M&S, Myntra, Reliance Digital, or Marriott on spending Rs. 1.5 Lakhs each quarter, 4 Reward Points on every retail spend of Rs. 150 and 5X accelerated Reward Points on every Rs. 150 spent on purchases at M&S, Nykaa, Myntra, and Reliance Digita
Insurance Benefits
Accidental air death cover up to ₹1 crore, emergency overseas hospitalisation cover worth ₹15 lakhs, credit liability cover up to ₹ 9 lakhs
Domestic Lounge Access
12 complimentary domestic lounge access
International Lounge Access
6 complimentary international lounge access
8.2Expert Score
Our Take
The HDFC Regalia range of cards is one of the most popular by HDFC Bank and you get some of the best lifestyle and travel benefits with the Regalia Gold credit card. You get exciting welcome and milestone benefits with this card and reward points on every retail spend.There are partner merchants on which you can earn accelerated reward points and redeem your points against cashback, flight/hotel bookings, Airmiles, or products from the Exclusive Gold Catalogue. For frequent travellers, the card also offers flight vouchers on reaching spend milestones and complimentary domestic and international airport lounge access.
BestValue Score
8.2
PROS
  • Zero liability in case of loss of credit card. Simply report it in a timely manner.
  • Enjoy the exclusive 24/7 concierge service that comes with the Regalia Gold Credit Card.
  • You can enjoy access to both domestic and international lounges, with 12 and 6 visits per year respectively
CONS
  • There are no entertainment benefits available for movies or dining.
  • A fee of ₹99 is applicable for reward redemption.
  • Card renewal fee waiver is at a high cost of ₹4 lakhs.

Specification: HDFC Bank Regalia Gold Credit Card

Credit Card
Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

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Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

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online shopping offers

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Reward redemption

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Reward Rate

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Domestic Lounge Access

International lounge access

Insurance Benifits

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Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Partner Discounts

Reward offer savings

BestValue Score

Specification
Late Payment Fees

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HDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold Credit Card

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