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
- 1%5 points per ₹200; value ranges from 0.5% as statement credit to 1.25% for travel and 1.625% via the eligible Gold Catalogue
Welcome: Swiggy One + MMT Black Gold after ₹1L net retail spend in the first 90 days
Lounge access
Up to 12 domestic visits/year · 6 international/year
Unlock rule: Domestic: 3/quarter after ₹60k spend in the preceding quarter; Priority Pass needs 4 retail transactions.
Who it's for
Minimum income ₹1,50,000/month · credit score 750+. For salaried, self-employed.
Income and score are screening estimates, not an approval promise. The issuer makes the final call.
Check the issuer's terms
Card rules change without much warning. We checked this snapshot on 26 July 2026. Open the issuer's current terms ↗
What's great
- Airport lounges home & abroad
- 5X points at selected lifestyle brands
- Lower 2% forex markup
Watch out for
- Selected-brand 5X needs a ₹200 transaction and is capped at 5,000 points/month
- Welcome memberships need ₹1L net retail spend in the first 90 days
- Domestic lounges need ₹60k spend in the preceding quarter
- Non-government salaried applicants need ₹1.5L net monthly income
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.