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HDFC Bank Regalia Gold Credit Card

by Kshitiz V Sharma on

The Bottom Line

HDFC Bank Regalia Gold Credit Card
High Fee, Good Lounge Access

20 Rewards points / ₹150 on Marks and Spencer, Myntra, Nykaa & Reliance Digital and 4 points on all other retail spends. Good milestone rewards & lounge access.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield -3.0%^ -0.8%^ 0.7% 2.4% 2.4%
Est. Monthly Reward (₹) (155) (80) 135 1,205 2,385
All-India Rewards Rank* 302 294 143 9 8
Within Bank Rank* 46 42 22 4 2
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The HDFC Bank Regalia Gold Credit Card gives 6.7% effective reward on shopping at Myntra, Marks and Spencers, Nykaa & Reliance Digital and 1.33% on all other spending.

Overall, including the value of milestone rewards, we estimate you can earn a net reward yield of 2.4% on spending above ₹50,000 with this card in a month.

Consider the Millennia Credit Card if you are spending less than ₹50,000 a month on your card.

It offers a net reward yield of 2.3-2.7% on spending up to ₹50,000.

If you are spending less than ₹10,000 a month on your card, also consider the Bharat Credit Card with a yield of 1.9-2.4%.

If you are spending more than ₹50,000 a month on your credit card, we recommend the 6E Rewards XL – Indigo HDFC Bank Credit Card. We estimate it offers a net reward yield of 2.0-2.2% for high spenders.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card HDFC Bank Regalia Gold Credit Card
Card Type Reward
Reward Features 20 Rewards points / ₹150 on:
– Marks and Spencer
– Myntra
– Nykaa
– Reliance Digital

4 Rewards points / ₹150 on all other retail spends

Milestone Rewards – ₹1,500 voucher from Marriott, Myntra, Marks & Spencer or Reliance Digital on quarterly spends of ₹1.5 Lacs

– ₹5,000 flight vouchers each on reaching annual spend of ₹5 lacs & ₹7.5 lacs

Other Rewards – 20% discount at all partner restaurants with Swiggy Dineout

– 12 Complimentary Domestic Airport Lounge visits / Year

– 6 Complimentary International Airport Lounge visits / Year

Rewards Redemption Fee ₹99
Reward Caps – 5,000 points / mth. on Myntra, Marks and Spencers, Nykaa, and Reliance Digital

– 2,000 points / mth. on Grocery

Preferred Redemption Method Flight & Hotel bookings via HDFC Bank SmartBuy platform

1 RP = ₹0.50


Fees & Charges

Card HDFC Bank Regalia Gold Credit Card
Joining Fee ₹2,500 + Taxes
Annual Fee ₹2,500 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹4 Lacs
Income Criteria Salaried ₹12 Lacs p.a.
Self-employed ITR>₹12 Lacs
Supplementary Card Fee Free
Interest Rate 43.20% p.a.
Foreign Currency Markup 2.00%
Cash Advance Charge 2.50% with a minimum of ₹500
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