Verified value
₹0.5 per point
Travel
HDFC VISA
Regalia Gold
Should you get this?
Strong fit
Why this card
- Forex markup is low at 2%.
- Up to 12.5 pts / ₹100 on Marks & Spencer
- 3 per quarter domestic + 6 per year international.
Trade-off
The annual fee (₹2,500) is waived only after ₹4,00,000 of eligible annual spend.
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% high
Compare with IDFC FIRST Bank Ashva Metal →
Similar lounge profile
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend2.5 pts / ₹100Does not earn on 50,000 points per statement; at 2.5 pts / ₹100, this lane reaches the cap at ₹20,00,000 of eligible spend
- emi
- fuel
- govt
- rent
- wallet load
Marks & Spencer (domestic)12.5 pts / ₹100—5,000 points per month; at 12.5 pts / ₹100, this lane reaches the cap at ₹40,000 of eligible spend
Myntra (domestic)12.5 pts / ₹100—5,000 points per month; at 12.5 pts / ₹100, this lane reaches the cap at ₹40,000 of eligible spend
Nykaa (domestic)12.5 pts / ₹100—5,000 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 / ₹100—5,000 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
- Catalogue₹0.65 / pt
- Travel₹0.5 / pt
- Vouchers₹0.35 / pt
- Cashback₹0.15 / pt
Transfers
Air miles: 0.5 mile per point
Annual fee break-even math
When does this card pay for itself ₹6.7L
Conservative yearly spend needed at the ₹0.15-per-point ranking floor.
Best documented case: about ₹1.5L at ₹0.65 per point.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getRanking floor
₹0.15 per point
(conservative floor)
₹0.65 per point (best documented)
Base earn
2.5 points per ₹100
(~0.375% base, up to 1.625% via transfers)
Best verified lane
Marks & Spencer (domestic)
12.5 pts / ₹100
View bonus categories →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
No reward on
- Rent
- Fuel
- EMI
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹4,00,000yearAnnual fee waiverhighstrong
Lounge access spend gate₹60,000quarterLounge eligibilityreasonablestrong
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). ~1,250 pts/month. Category and partner bonuses aren't included in this estimate.
- 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 (cardholder)
- 3 per quarter · verified 6 Jul 2026 Condition: ₹60,000 spend in the calendar quarter
8 sources agree · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- 1 Finance
- PaisaBazaar
- Card Maven
- CreditCardz
- Operator-verified anchor
- HDFC Regalia Gold Official Extract
- HDFC official Regalia Gold page
- International (cardholder)
- 6 per year — via · verified 20 Jun 2026 Requires Priority Pass card · Condition: ₹60,000 spend in the calendar quarter
8 sources agree · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- 1 Finance
- PaisaBazaar
- Card Maven
- CreditCardz
- Operator-verified anchor
- HDFC Regalia Gold Official Extract
- HDFC official Regalia Gold page
Rewards
- Base earn
- 2.5 points per ₹100 · verified 20 Jun 2026 value depends on redemption
- Effective return (honest floor)
- ~0.375% base, up to 1.625% via transfers · 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
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹2,500
- Joining fee
- ₹2,500 · verified 20 Jun 2026
- Fee waiver spend
- ₹4,00,000 · verified 20 Jun 2026 Above catalog median waiver (₹2,00,000 vs ₹4,00,000).
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 2%
5 sources agree · verify issuer terms before applying
Where to verify
- HDFC official Regalia Gold page
- 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 statement cycle.
- Fuel transactions do not earn reward points.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Monthly cap:50,000 reward points per statement; at 2.5 reward points / ₹100, this lane reaches the cap at ₹20,00,000 of eligible spend.
- Monthly cap:5,000 reward points per month; at 12.5 reward points / ₹100, this lane reaches the cap at ₹40,000 of eligible spend.
Exclusions
These spends do not earn reward points.
Payments
- Rent
Financial
- Fuel
- EMI
Redemption & expiry
Expiry:3 years, and Easy EMI cards/ PhonePe HDFC Bank Ultimo Credit Card/ PhonePe HDFC Bank Uno Credit Card on which reward points/ cash points are valid for 1 year
- Travel redemption: ₹99 redemption fee per redemption
Latest update
- Annual fee: ₹2,500.
- Forex markup currently listed at 2%.
- 3 per quarter domestic lounge · 6 per year international.
Common questions
From verified card factsIs 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 at ₹4,00,000 annual spend. 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 more
Guides matched to this card — not a random syllabus.
- Priority Pass
Membership, visits and issuer rules - Forex markup bands
0% vs 3.5% — which cards publish what - HDFC SmartBuy
Accelerators, caps, and traps