HDFC Regalia Gold Credit Card
HDFC Regalia Gold Credit Card offers premium travel and lifestyle benefits, complimentary airport lounge access, reward points on every spend, exclusive dining privileges, and enhanced protection features, making it an ideal choice for frequent travelers and luxury seekers.
About HDFC Regalia Gold Credit Card
HDFC Regalia Gold is the newest member of HDFC Bank’s Regalia credit card lineup and brings a much-needed upgrade to the series. While the older Regalia and Regalia First were once among the top all-rounder credit cards in India, multiple reward and benefit reductions over the years had reduced their overall appeal. Regalia Gold aims to revive the brand’s strong position in the under-Rs. 5,000 annual fee category by offering a more rewarding and feature-rich package.
The card delivers a competitive reward rate, complimentary memberships upon activation, and both domestic and international airport lounge access. It also provides valuable milestone benefits in the form of flight vouchers. Although the reward structure remains similar to the standard Regalia card, Regalia Gold introduces an exclusive ‘Gold Catalogue’ that includes additional premium brands for enhanced reward redemption value. These improvements position Regalia Gold as a compelling all-round credit card option for users seeking strong everyday benefits at a moderate annual fee.
HDFC Regalia Gold Rewards Program
Reward Earning
HDFC Regalia Gold offers a strong rewards structure across everyday categories:
Earn 4 reward points per Rs. 150 spent on all transactions, including insurance, utilities, and education.
Earn 20 reward points per Rs. 150 on popular shopping platforms such as Nykaa, Myntra, Marks & Spencer, and Reliance Digital, making it especially rewarding for lifestyle shoppers.
Reward Redemption
Reward points collected on HDFC Regalia Gold can be redeemed in multiple ways through SmartBuy, including premium products listed under the exclusive Gold Catalogue, travel bookings, vouchers, or even cashback. Cardholders can also convert points into air miles.
Below is the approximate value of 1 reward point across different redemption categories:
Gold Catalogue: Rs. 0.65
Flight and hotel bookings via SmartBuy: Rs. 0.50
Air mile conversion: 0.5 air mile per reward point
Products and vouchers: Rs. 0.35
Statement credit: Rs. 0.20
This flexible redemption structure ensures that users can maximize the value of their points based on their spending habits and preferred benefit type.
Other Features and Benefits
Welcome Benefits
HDFC Regalia Gold offers attractive activation perks to new users, including:
Complimentary Swiggy One membership
Complimentary MMT Black Elite membership
A gift voucher worth Rs. 2,500 issued after the payment of the joining fee
These welcome privileges add immediate value, especially for users who frequently order food or travel.
Lounge Access
Regalia Gold enhances travel comfort with generous lounge access benefits:
Complimentary Priority Pass membership after completing four retail transactions
Up to six international lounge visits per calendar year for both primary and add-on cardholders
Twelve complimentary domestic lounge visits every year
This makes the card a strong option for both business and leisure travellers.
Milestone Benefits
Cardholders can unlock additional perks throughout the year by achieving certain spend thresholds:
Spend Rs. 1.5 lakh in a quarter and receive Rs. 1,500 vouchers from Marks & Spencer, Reliance Digital, Myntra, or Marriott
Spend Rs. 5 lakh annually to earn flight vouchers worth Rs. 5,000
Reach Rs. 7.5 lakh annual spends to receive an additional Rs. 5,000 flight voucher
These milestone benefits significantly boost the overall value-back, especially for users with moderate to high yearly spending.
HDFC Regalia Gold Credit Card Reward Points & Cashback Calculator
Reward Points Calculator
Fees and Charges
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 2,500 + Taxes | ||||||||||||||||||
| Annual Fee | Rs. 2,500 + Taxes | ||||||||||||||||||
| Finance Charges | 3.75% p.m. (45% p.a.) | ||||||||||||||||||
| Cash Withdrawal Fee | 2.5% of amount withdrawn or Rs. 500 whichever is higher | ||||||||||||||||||
| Rewards Redemption Fee | Nil | ||||||||||||||||||
| Late Payment Charges |
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HDFC Regalia vs. HDFC Regalia Gold
HDFC Regalia Gold can be seen as the enhanced and more rewarding upgrade to the classic HDFC Regalia Credit Card. Although both cards share the same annual fee, the Gold version clearly offers a richer feature set with better reward opportunities, premium redemption options, and stronger travel benefits.
Earlier versions of HDFC Regalia once offered a similar level of value, but gradual devaluations over the years reduced its appeal. Regalia Gold aims to revive the Regalia lineup by offering improved reward rates on select brands, an exclusive Gold Catalogue for premium redemptions, better milestone benefits, and enhanced lounge access—making it a more compelling all-rounder card in the sub-₹5,000 annual fee category.
Here is a comparison between the two cards:
| Type | HDFC Regalia | HDFC Regalia Gold |
|---|---|---|
| Annual Fee | Rs. 2,500 | Rs. 2,500 |
| Reward Rate | 4 reward points per Rs. 150 spent across all categories | 4 reward points per Rs. 150 spent across all categories 5X reward points on Myntra, Marks and Spencer, Nykaa and Reliance Digital |
| Redemption Options | Redeem on SmartBuy for Flights and Hotel Booking, Airmiles, Products and vouchers and Cashback | In addition to SmartBuy redemption options like Regalia, an Exclusive Gold Catalogue is available for redemption against premium brands |
| Lounge Access | Up to 8 complimentary domestic and 6 complimentary international lounge visits in a year | 12 complimentary domestic and 6 complimentary international airport lounge visits for primary and add-on cardholder |
| Milestone Benefits | 10,000 bonus reward points on spending Rs. 5 Lakh & 5,000 additional bonus rewards on spending Rs. 8 Lakh | Quarterly Milestone:Spend Rs. 1.5 Lakh and get Rs. 1,500 voucher from Myntra, Marriott, M&S or Reliance DigitalAnnual Milestone:Rs. 5,000 flight voucher on spending Rs. 5 Lakh in a year & additional Rs. 5,000 flight voucher on spending Rs. 7.5 Lakh in a year |
| Renewal Fee Waiver | On spending Rs. 3 Lakh in the preceding year | On spending Rs. 4 Lakh in the preceding year |
Which is better?
If you currently hold an HDFC Regalia or Regalia First Credit Card, upgrading to HDFC Regalia Gold is generally the better choice. Here’s why:
Although the base reward rate remains the same, Regalia Gold provides accelerated rewards on select premium brands and also allows redemption through an exclusive Gold Catalogue, offering access to higher-value and premium redemption options.
The lounge access benefits under Regalia Gold are more comprehensive, making it a stronger option for frequent travellers.
Regalia Gold offers flight vouchers worth up to Rs. 10,000 on achieving annual spending milestones, and these can be earned by spending Rs. 50,000 less compared to what’s required under Regalia’s milestone structure. This makes the Gold variant more rewarding and easier to maximize.
However, if you rarely travel and prefer receiving reward points instead of flight vouchers, sticking with the original Regalia may still suit your needs.
Things to Know Before you apply
Get this card if:
You want a credit card that provides strong value on both online and offline spending.
You spend heavily and can maximise both the reward structure and milestone-based benefits.
You frequently shop at brands such as Nykaa, Myntra, Marks & Spencer, and Reliance Digital, where accelerated rewards apply.
You prefer flexible reward redemption options, including air miles, premium products, vouchers, and flight or hotel bookings.
You value travel-related perks like airport lounge access, flight vouchers, and complimentary memberships such as MMT Black Elite and Swiggy One.
Eligibility Criteria
To apply for the HDFC Regalia Gold Credit Card, applicants must meet the following requirements:
Occupation: Open to both salaried and self-employed individuals
Age: 21 to 60 years for salaried applicants; up to 65 years for self-employed
Minimum Income (Salaried – Non-Government): Rs. 1.5 lakh per month
Minimum Income (Salaried – Government Employees): Rs. 1 lakh per month
Minimum Income (Self-employed): Rs. 18 lakh per annum
Steps to Close HDFC Regalia Gold Credit Card
If you want to deactivate your Regalia Gold Credit Card, it is important to follow the official closure process provided by HDFC Bank to ensure a smooth and secure experience.
Contact Customer Care
- Get in touch with HDFC Bank’s credit card support using the helpline number mentioned on the back of your card or available on the official website
- Follow the IVR instructions and select the credit card option
- Speak with a customer care executive and request closure of your credit card
Initiate Closure Request
- Ask the representative to register your credit card closure request
- You may also be guided through IVR steps or digital banking options to complete the process
- Follow all instructions carefully to avoid delays
Complete Verification
To proceed with the request, you will need to verify your identity by providing:
- Full name
- Registered mobile number
- Last four digits of your credit card
- Any additional details if required by the bank
Confirm the Closure
- After successful verification, confirm your request to close the credit card
- Ensure that all outstanding dues are fully cleared before final approval
- The bank may take a few working days to process the request
Important Points
- Clear all pending dues including EMIs, interest, and applicable charges before initiating closure
- Redeem any unused reward points or benefits, as they may expire after closure
- Do not use the card after submitting the closure request
- Cancel all auto-debits, subscriptions, and standing instructions linked to the card
- Request confirmation via SMS or email once the closure is completed
After Card Closure
- Cut the card diagonally across the chip and magnetic strip to prevent misuse
- Check your credit report after a few weeks to ensure the account status is updated as “Closed”
- If you notice any discrepancy, contact HDFC Bank immediately for correction
HDFC Regalia Gold Credit Card Helpline Number
If you need assistance regarding your HDFC Regalia Gold Credit Card, you can contact the customer support team of HDFC Bank. The bank offers support for billing concerns, payments, card blocking, reward-related queries, and other credit card services.
Customer Care Numbers (India)
- Primary Helpline
1800 202 6161 - Alternate Helpline
1860 267 6161
These numbers can be used for all types of credit card-related queries across India.
International Support
- Overseas Helpline
+91-22-6160 6161
This number can be used when calling from outside India for assistance.
Email Support
- Customer Care Email
customerservices.cards@hdfcbank.com
You can send your queries, complaints, or service requests using your registered email ID for faster resolution.
Availability
- Customer support for general queries is available during standard working hours
- Emergency services such as card blocking are available 24×7
Services Available
- Assistance with billing and statement-related queries
- Support for payments and outstanding dues
- Help in reporting lost or stolen credit cards
- Card blocking, replacement, or reissue requests
- Guidance for credit card closure or cancellation
Important Points
- Keep your registered mobile number and card details ready for verification
- Do not share sensitive information such as OTP, PIN, or CVV
- Always use official contact channels of HDFC Bank for secure communication
- Report any suspicious or unauthorized transactions immediately to avoid potential loss
FAQs
How long are my reward points valid?
HDFC Regalia Gold reward points remain valid for two years from the date they are earned. After this period, unused points automatically expire.
How can I avail the complimentary memberships?
Once you pay the joining fee and meet the card’s activation criteria, you can claim complimentary memberships through HDFC SmartBuy. The memberships will appear under the benefits section for eligible cardholders.
Are there any restrictions on redeeming points for flights or hotels?
Reward points can be used to book domestic flights and hotel stays through SmartBuy. Bookings are valid only with participating airlines and hotel partners listed on the portal. As partner networks may change periodically, it is advisable to check the latest list before booking.
Can I get add-on credit cards with HDFC Regalia Gold?
Yes, you can apply for add-on cards for family members. Once at least four transactions are completed on the primary card, Priority Pass membership can also be issued for add-on cardholders.
What happens if I do not meet the spend requirements for milestone benefits?
If you are unable to achieve the required spend thresholds for milestone rewards (such as flight vouchers or fee waivers), those benefits will not be credited. However, you will continue earning regular reward points on all eligible spends.
Does Regalia Gold have Priority Pass?
Yes. The HDFC Regalia Gold Credit Card provides Priority Pass membership, which allows complimentary lounge access at international lounges. Do note that Priority Pass lounge visits within India are chargeable and will be billed to your credit card.
What is the credit limit for HDFC Regalia Gold Credit Card?
The credit limit is determined by HDFC Bank after assessing factors like your income, existing loan obligations, credit score, and limits on your current cards. The exact limit is communicated once the card is approved and issued.