HDFC
HDFC Bank Regalia Gold Credit Card
Mid-tier card · 12/year domestic lounge (3 per quarter) · fee waiver achievable around ₹4L annual spend · 2% forex markup.
- Good for travel 2% forex · 12 lounge/year
- Moderate forex 2% forex markup
- Strong lounge access 12 lounge visits per year
Annual fee ₹2,500 per year
Forex markup 2% high
Lounge access 12 visits / year
Rewards / ₹100 2.7 pts base
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹2,500
- Joining fee
- ₹2,500
- Forex markup
- 2%
- Lounge access
- 12/year domestic lounge (3 per quarter)
- Reward rate
- 2.7 pts / ₹100
What you'd do with it
- Works best for travelers who need around 12 domestic lounge visits a year.
- Less suited to international transactions because forex markup is 2%.
Best for
- Good for travel
- Strong lounge access
Not the best for
- High forex markup (2%)
Still worth it?
Evidence-backed snapshotGood fit if
- Fee waiver is on file at ₹4,00,000 annual spend.
- Forex markup is low at 2%.
- Lounge access is on file.
Watch out for
- Reward value is not fully resolved in the current snapshot.
- One or more decision fields have source disagreement; verify before applying.
Verify before applying
- Welcome benefit timing and claim process.
- Lounge spend criteria, guest rules, and visit caps.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward exclusions, caps, redemption value, and voucher timelines.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~1,330 pts/month (base earn)
- 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 factsBenefits
Lounge Access
- Domestic visits
- 12/year
- International visits
- 6/year
- Access condition
- Spend-gated in current HDFC policy; verify live eligibility in bank app
Rewards
- Points per ₹150
- 4 pts
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹2,500
- Joining fee
- ₹2,500
- Fee waiver spend
- ₹4,00,000
International Use
- Forex markup
- 2%
- Product tier
- Mid-tier
Annual fee break-even math
When does this card pay for itself ₹3.8L
yearly spend to offset ₹2,500 fee
At base earn rates, you need roughly ₹3.8L in yearly spend to offset the ₹2,500 annual fee.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refresh- Card facts refreshed on 5 June 2026.
- Annual fee on file: ₹2,500.
- Forex markup currently listed at 2%.
- 12/year domestic lounge (3 per quarter) is on file in the latest refinery snapshot.