Premium

HDFC Bank

HDFC Regalia Gold

VISA

🇮🇳 India · HDFC Bank

HDFC Regalia Gold

Name: HDFC Regalia Gold
Brand: HDFC Bank
Rating: 4.6 (50 reviews)

Mid-tier travel + dining without the Diners Black price tag

4.6 / 5

Joining fee

₹2,500

Annual fee

₹2,500

Top reward

Min income

₹1,200,000

Apply at HDFC Bank ← Back to all cards

External link to HDFC Bank’s own application page.

The HDFC Regalia Gold costs ₹2,500 a year, waived at ₹4,00,000 annual spend. It earns 4% on all spends. Forex markup is 2%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much HDFC Regalia Gold actually pays you over time, net of annual fees.

Your monthly spend₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹24,000

Annual fee₹0 (waived ✓)

Welcome bonus (year 1 only)+₹1,500

Cumulative net value

+₹121,500

over 5 years

Year 1

₹25,500

+₹25,500/yr

Year 2

₹49,500

+₹24,000/yr

Year 3

₹73,500

+₹24,000/yr

Year 4

₹97,500

+₹24,000/yr

Year 5

₹121,500

+₹24,000/yr

Year 1 (with bonus)

₹25,500

Year 2+ (steady state)

₹24,000/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the HDFC Regalia Gold earn?

What you earn back, by category.

Everything else

📈

🎁

Welcome bonus

2,500 reward points + ₹1,500 Marriott / Cult.fit voucher

What do you get with the HDFC Regalia Gold?

5x reward points on travel + dining via SmartBuy
4 complimentary international lounge visits per year (Priority Pass)
12 complimentary domestic lounge visits per year
Annual memberships: Club Vistara Silver, MMT Black Elite
Low forex markup: 2%
Milestone benefits at ₹1.5L, ₹3L and ₹4L spend

Who qualifies for the HDFC Regalia Gold?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

₹1,200,000

Min credit score

770+

Self-employed

Eligible

Points value

What 1 HDFC Regalia Gold point is actually worth

Best redemption is 20.0× the worst

Same points, wildly different values depending on redemption. Most cardholders default to the boring option and never see the upside. Here's the full ladder for HDFC Regalia Gold: