Premium
HDFC Regalia Gold
HDFC 7.9
CardTrail Score
Very Good
out of 10
Annual Fee
₹2,500
Spend ₹3L/year
Forex Markup
2%
Reward Rate
1.3%
Up to 3.3%
Lounge Access
8
domestic | 4 intl
About This Card
The HDFC Regalia Gold is the sweet spot in HDFC's card portfolio — premium benefits at an accessible ₹2,500 annual fee that's easily waived at ₹3L annual spend. With 8 domestic and 4 international lounge visits per quarter and 3.3% back on SmartBuy travel bookings, it's the go-to card for mid-range travellers.
Pros & Cons
Pros
- Excellent value for fee
- Good lounge access with spend gate
- SmartBuy 10X rewards
- Easy fee waiver at ₹3L
Cons
- 2% forex markup
- Lounge visits need ₹35K quarterly spend
- Reward rate drops without SmartBuy
Fee Details
Annual Fee
₹2,500
Joining Fee
₹2,500
Fee Waiver Condition
Spend ₹3L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
1.3%
Max Rate
3.3%
Currency
Reward Points
Welcome Bonus
5,000 Reward Points
Lounge Access
Domestic Lounges
8
per quarter
International Lounges
4
per quarter
Spend Gate Required
You must spend ₹35,000 per quarter to activate lounge access.
Key Highlights
- + 3.3% back on travel via SmartBuy
- + 8 domestic + 4 international lounge visits/quarter
- + Golf programme access
- + Low ₹2,500 annual fee with easy waiver
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CardTrail is an independent research platform. Our ratings are not influenced by commercial relationships.
Quick Summary
Best For
travel dining
Annual Fee ₹2,500
Base Reward 1.3%
Max Reward 3.3%
Forex Markup 2%
Network Visa Signature
Min Income ₹6L+
CardTrail Score
Best For
travel dining general
