Is HDFC Regalia Gold worth the ₹2,500 annual fee?

HDFC Regalia Gold has an annual fee of ₹2,500. The fee can be waived if you spend ₹3l/year. With a base reward rate of 1.73% (up to 3.3%), 8 domestic lounge visits, and a CardTrail Score of 8.7/10, it offers good value for the price.

What is the reward rate on HDFC Regalia Gold?

HDFC Regalia Gold offers a base reward rate of 1.73% on regular spends, going up to 3.3% on select categories. Rewards are earned as Reward Points. New cardholders also get a welcome bonus of 5,000 Reward Points.

Does HDFC Regalia Gold have airport lounge access?

Yes, HDFC Regalia Gold provides 8 domestic and 4 international lounge visits per quarter. Note: You must spend ₹35,000 per quarter to activate lounge access.

What is the forex markup on HDFC Regalia Gold?

HDFC Regalia Gold charges a 2% forex markup on international transactions, plus 18% GST on the markup (effective rate: 2.36%). For international spends, consider zero-forex alternatives like Scapia or IDFC First Wealth.

HDFC Regalia Gold vs IDFC FIRST Diamond Reserve Credit Card — which is better?

HDFC Regalia Gold (CardTrail Score: 8.7/10) and IDFC FIRST Diamond Reserve Credit Card (Score: 9.0/10) are both premium cards. HDFC Regalia Gold by HDFC has a ₹2,500 fee with 1.73% base rewards, while IDFC FIRST Diamond Reserve Credit Card by IDFC FIRST has a ₹3,000 fee with 0.5% base rewards. Use our comparison tool for a detailed side-by-side analysis.

Premium

HDFC Regalia Gold

HDFC

8.7

CardTrail Score

Very Good

out of 10

Net Value

10.0

Accessibility

6.5

Feature Depth

7.5

Bank Trust

9.0

How we score →

Compare This Card Full Details

Annual Fee

₹2,500

Spend ₹3L/year

Forex Markup

Reward Rate

1.73%

Up to 3.3%

Lounge Access

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

1.73%

Max Rate

3.3%

Currency

Reward Points

Welcome Bonus

5,000 Reward Points

Lounge Access

Domestic Lounges

per quarter

International Lounges

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

Compare With...

See how HDFC Regalia Gold stacks up against top alternatives

HDFC Diners Club Black

HDFC

9.1

Compare

HDFC Tata Neu Infinity

HDFC

9.1

Compare

IDFC FIRST Diamond Reserve Credit Card

IDFC FIRST

9.0

Compare

Want the Full Picture?

Compare the HDFC Regalia Gold side-by-side with any card in our database. Use our comparison tool to see which card truly fits your spending pattern.

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Active Offers (3)

All offers

Alert 6d left

Regalia reward rate reducing from April 2026

HDFC Regalia points earned at 2 per Rs 150 (down from 4 per Rs 150) from April 1. Accumulated points unaffected. Redeem before the change.

Offer 6d left

10% instant discount on Amazon

Get 10% instant discount up to Rs 1,500 on Amazon.in purchases over Rs 5,000. Valid on all HDFC credit cards.

Alert 67d left

Q2 lounge access requires Rs 40,000 quarterly spend

Reminder: Domestic lounge access on Regalia, Regalia Gold, and Diners Club Privilege requires Rs 40,000 spend in the previous quarter. Track your spend to keep access.