HDFC Regalia Gold
Visa · Mastercard
HDFC Regalia Gold
HDFC Bank · Visa · Mastercard
Quick answer
HDFC Regalia Gold by HDFC Bank has an annual fee of ₹2,500 and APR of 43%. Best for travel. Pay the full bill every month — carried balances cost far more than any reward.
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Joining fee
₹2,500
Annual fee
₹2,500
Forex markup
2%
APR
43%/yr
Fee waiver: Annual fee waived on ₹4L spend a year
What you earn
- 4%5X points on travel & dining partners
- 1%4 points per ₹150 (≈1.35% value)
Welcome: ₹2,500 worth of gift vouchers + club memberships
Lounge access
12 domestic visits/year · 6 international/year
Who it's for
Minimum income ₹1,00,000/month · credit score 750+. For salaried, self-employed.
What's great
- Airport lounges home & abroad
- Lower 2% forex markup
- Solid mid-premium travel card
Watch out for
- High income requirement
- Rewards shine only with big spends
Compare head-to-head
One honest reminder: a card is only worth it if you clear the full bill every month. At 43% a year, carried balances cost far more than any reward here is worth.