HDFC

Regalia Gold Credit Card

Good for online shopping across multiple brands.

Should you get this?

Strong fit

Some details need issuer confirmation

Why this card

  • Forex markup is low at 2%.
  • 12.5 points/₹100 on eligible marks & Spencer, myntra, nykaa, and reliance Digital
  • 3 per quarter domestic + 6 per year international.
Issuer evidence · 4 sources →

Trade-off

The annual fee (₹2,500) is waived only when eligible annual spend reaches ₹4,00,000.

Annual fee ₹2,500 per year
Rewards 2.5 pts / ₹100
Lounge access 3 domestic (3 per quarter) + 6 intl (6 per year)
Forex markup 2% low
Compare with IDFC FIRST Bank Ashva Metal →

Similar lounge profile

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend2.5 pts / ₹100Credited as reward points50,000 points per statement cycle; at 2.5 pts / ₹100, this lane reaches the cap at ₹20,00,000 of eligible spend
Marks & Spencer (domestic)12.5 pts / ₹100Credited as reward points5,000 points per month; at 12.5 pts / ₹100, this lane reaches the cap at ₹40,000 of eligible spend
Myntra (domestic)12.5 pts / ₹100Credited as reward points5,000 points per month; at 12.5 pts / ₹100, this lane reaches the cap at ₹40,000 of eligible spend
Nykaa (domestic)12.5 pts / ₹100Credited as reward points5,000 points per month; at 12.5 pts / ₹100, this lane reaches the cap at ₹40,000 of eligible spend
Show all 5 earning rules (1 more)
Reliance Digital (domestic)12.5 pts / ₹100Credited as reward points5,000 points per month; at 12.5 pts / ₹100, this lane reaches the cap at ₹40,000 of eligible spend

Redemption value

What a Reward Point is worth

  1. Catalogue₹0.65 / pt
  2. Travel₹0.5 / pt
  3. Vouchers₹0.35 / pt
  4. Cash redemption value₹0.15 per Reward Point

Transfers

Air miles: 0.5 mile per point

How to avoid the annual fee

Spend threshold for waiver
₹4L or more yearly eligible spend to waive the annual fee

Above ₹4L eligible annual spend waives the fee

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Eligible spend

2.5 points per ₹100 on eligible spend

Verified value

₹0.5 per point

Travel

Ranking floor

₹0.15 per point

(conservative floor)

₹0.65 per point (best documented)

Caps

  • Marks & Spencer (domestic)5,000 points per month
    Why?

    at 12.5 pts / ₹100, this lane reaches the cap at ₹40,000 of eligible spend

  • Myntra (domestic)5,000 points per month
    Why?

    at 12.5 pts / ₹100, this lane reaches the cap at ₹40,000 of eligible spend

  • Nykaa (domestic)5,000 points per month
    Why?

    at 12.5 pts / ₹100, this lane reaches the cap at ₹40,000 of eligible spend

View full earning rules →

Realisation

Credited as reward points

Costs & fees

Eligibility

Applicant class · age · income

Reported criteria · as stated by sources

Government employee

Net monthly income
Above ₹1,50,000secondary
Annual ITR
Above ₹18,00,000secondary
Minimum age
21 years or olderissuer-stated
Gross monthly income
Above ₹1,00,000issuer-stated

Attestation differs per figure — see each tag

Salaried applicant

Minimum age
21 years or older
Gross monthly income
Above ₹1,50,000

Issuer-stated · not yet decision-readyIssuer source

Self-employed applicant

Minimum age
21 years or older
Annual ITR
Above ₹18,00,000

Issuer-stated · not yet decision-readyIssuer source

Evidence only · excluded from decisions

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Annual fee waiver₹4,00,000yearAnnual fee waiver
Domestic lounge spend gate₹60,000quarterLounge eligibility

Reported but unverified

Evidence · not used as this card's figures
Renewal fee
₹2,500Reported by secondary sources · verify with issuer · 1 source

Evidence only · excluded from decisions

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Based on the standard earn rate (2.5 pts / ₹100). Up to ~1,250 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
  • Worth ~₹190 at the conservative redemption floor
  • Fee waiver achievable at this spend
  • Forex cost ~₹1,000 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts
Benefits

Lounge Access

Domestic (cardholder)
3 per quarter · verified 13 Jun 2026 Condition: ₹60,000 spend in the previous calendar quarter (unlocks the following quarter) · Lounge visits within India per calendar quarter on spends of ₹60,000+ in preceding calendar quarter.
International (cardholder)
6 per year Requires Priority Pass card

Lounge network

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify

Rewards

Base earn
2.5 points per ₹100 · verified 20 Jun 2026 value depends on redemption
Effective return (honest floor)
~0.375% base at the cash-redemption floor; up to ~1.625% through documented catalogue/shopping redemption · verified 5 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
Headline point value
₹0.50 per Reward Point (Travel) · verified 5 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
Point validity
Points expire 2 years after earning · verified 7 Jul 2026

Insurance Cover

Air accident cover
₹1 crore · verified 5 Jul 2026
Emergency medical cover
₹15 lakh · verified 5 Jul 2026
Lost card liability cover
₹9 lakh · verified 5 Jul 2026
Underwriter
Insured by HDFC ERGO General Insurance Company Limited · verified 7 Jul 2026
Fees & charges

Fees

First-year cost
₹2,500 · verified 20 Jun 2026
Annual fee
₹2,500
Joining fee
₹2,500 · verified 20 Jun 2026
Fee waiver spend
₹4,00,000 or more · verified 20 Jun 2026 Annual fee waived on eligible anniversary-year spend of ₹4,00,000 or more.
Interest-free period
Up to 50 days · verified 7 Jul 2026
Late-payment charge
₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.

International Use

Forex markup
2%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
  • Card Maven
  • Stable Money
  • 1 Finance
  • Operator-verified anchor
Product tier
Mid-tier

Travel & perks

Fuel Benefits

At the pump
  • 1% fuel surcharge waived on transactions ₹400–₹5,000.
  • Maximum waiver ₹500 per month.
  • Fuel transactions do not earn reward points.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits
SIDE BY SIDE
HDFC Bank Regalia Gold
vs
IDFC FIRST Bank Ashva Metal
SIDE BY SIDE
HDFC Bank Regalia Gold
vs
BOBCARD Eterna
SIDE BY SIDE
HDFC Bank Regalia Gold
vs
BOBCARD Tiara

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • General cap: 50,000 points per statement cycle; at 2.5 pts / ₹100, this lane reaches the cap at ₹20,00,000 of eligible spend.
  • Marks & Spencer cap: 5,000 points per month; at 12.5 pts / ₹100, this lane reaches the cap at ₹40,000 of eligible spend.
  • Myntra cap: 5,000 points per month; at 12.5 pts / ₹100, this lane reaches the cap at ₹40,000 of eligible spend.
  • Nykaa cap: 5,000 points per month; at 12.5 pts / ₹100, this lane reaches the cap at ₹40,000 of eligible spend.
  • Reliance Digital cap: 5,000 points per month; at 12.5 pts / ₹100, this lane reaches the cap at ₹40,000 of eligible spend.
Exclusions: 6

These spends do not earn reward points.

Payments

  • Rent
  • Government payments

Financial

  • Fuel
  • EMI

Other

  • Maintenance
  • Packers &movers

Redemption & expiry

  • Travel redemption: up to 70% of transaction value — 50,000 points per calendar month
  • Cashback redemption: 50,000 points per calendar month
  • Voucher redemption: up to 70% of transaction value
  • Travel redemption: 50,000 points per calendar month

Latest update

  • First-year cost: ₹2,500.
  • Annual fee: ₹2,500.
  • Forex markup currently listed at 2%.
  • 3 per quarter domestic lounge · 6 per year international.

Common questions

From verified card facts

Is this good for lounge access?

3 per quarter domestic + 6 per year international. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 2%, which can be useful for international spends if the annual fee and usage pattern still make sense.

Is the annual fee easy to recover?

Fee waiver applies on eligible annual spend of ₹4,00,000 or more. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

A welcome benefit is listed. Included items: ₹2,500 gift voucher — renewal; joining fee required, Swiggy One membership — welcome; spend 100000 in 90 days, MMT Black Gold membership — welcome; spend 100000 in 90 days. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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Last refreshed 8 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

Money Matters is an independent comparison and information service. It is not affiliated with, sponsored by, or endorsed by any bank or card issuer. Card and issuer names are trademarks of their respective owners and are used here only to identify the products being compared.