HDFC Regalia Gold
Mid-tier travel + dining without the Diners Black price tag
External link to HDFC Bank’s own application page.
The HDFC Regalia Gold costs ₹2,500 a year, waived at ₹4,00,000 annual spend. It earns 4% on all spends. Forex markup is 2%. These figures are from our catalog and have not yet been re-verified against the issuer.
5-year value calculator
How much HDFC Regalia Gold actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
What does the HDFC Regalia Gold earn?
What you earn back, by category.
2,500 reward points + ₹1,500 Marriott / Cult.fit voucher
What do you get with the HDFC Regalia Gold?
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- Annual MMT Black Elite membership
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
Who qualifies for the HDFC Regalia Gold?
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
What 1 HDFC Regalia Gold point is actually worth
Same points, wildly different values depending on redemption. Most cardholders default to the boring option and never see the upside. Here's the full ladder for HDFC Regalia Gold:
Singapore KrisFlyer transferBest
2:1 transfer (worse ratio than Infinia/DB). Still big upside.
SmartBuy 5x
Marriott Bonvoy transfer
Gift voucher catalog
Welcome bonus, the under-priced lever
2,500 reward points + 6 free domestic + 4 international lounge visits/year.
What people say about the HDFC Regalia Gold
Real answers from readers. No login, and nothing here affects our scores.
HDFC Regalia Gold FAQ
›What is the HDFC Regalia Gold annual fee?
The annual fee is ₹2,500. It is waived if you spend ₹4,00,000 in a year.
›What does the HDFC Regalia Gold earn?
It earns 4% on all spends.
›What is the HDFC Regalia Gold forex markup?
The HDFC Regalia Gold charges 2% forex markup on foreign-currency spends.
›What income do you need for the HDFC Regalia Gold?
The stated minimum income is ₹12,00,000 a year. Banks treat this as a guideline, not a hard cutoff.
›What is the HDFC Regalia Gold welcome bonus?
2,500 reward points + ₹1,500 Marriott / Cult.fit voucher.
›Are these HDFC Regalia Gold figures verified?
These figures are from our catalog and have not yet been re-verified against the issuer.
