HDFC Regalia Gold
Issuer: HDFC Bank
Network: Visa | Tier: Premium
The HDFC Regalia Gold Credit Card is the upgraded version of the popular Regalia, offering enhanced rewards, more lounge visits, and better milestone benefits. It sits perfectly between mid-range and super premium cards.
Fees & Charges
| Annual Fee | ₹2,500 + GST |
|---|---|
| Joining Fee | ₹2,500 + GST |
| Interest Rate | 3.49% per month |
| Foreign Markup | 2% + GST |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 |
Rewards & Benefits
| Reward Rate | 4 Reward Points per ₹150 |
|---|---|
| Welcome Bonus | 2,500 Reward Points + vouchers |
| Lounge Access | 12 domestic + 6 international per year |
| Best For | Frequent travelers on a moderate budget |
Key Highlights
- Upgraded version of Regalia
- 12 complimentary lounge visits per year
- Good reward rate on travel & dining
- Milestone benefits up to ₹7,500
- 1% fuel surcharge waiver
Eligibility Criteria
- Minimum income ₹7.5 lakh per annum
- Good CIBIL score (750+)
- Age 21-60 years
Minimum Income Required: ₹7,50,000+ per annum
Pros
- Excellent lounge access
- Good reward rate
- Lower foreign markup (2%)
- Milestone benefits
- Reasonable fee
Cons
- Annual fee not easily waived
- Not as rewarding as Infinia
- Reward redemption can be tricky
Expert Rating: 4.4/5