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| 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. |
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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.
| 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 |
| 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 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
