HDFC Regalia Gold Review 2026 — Fees, Rewards & Eligibility
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.
Why Choose the HDFC Regalia Gold?
The HDFC Regalia Gold is a Premium-tier Visa credit card issued by HDFC Bank, rated 4.4/5 by the Credit Card Hunt editorial team. It is best suited for Frequent travelers on a moderate budget. With a reward rate of 4 Reward Points per ₹150 and an annual fee of ₹2,500 + GST, it ranks among the popular Travel cards in India in 2026.
New cardholders are welcomed with 2,500 Reward Points + vouchers, which adds immediate value in the first year.
HDFC Regalia Gold 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 |
HDFC Regalia Gold 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 of the HDFC Regalia Gold
- 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
HDFC Regalia Gold 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
Advantages of the HDFC Regalia Gold
- Excellent lounge access
- Good reward rate
- Lower foreign markup (2%)
- Milestone benefits
- Reasonable fee
Drawbacks of the HDFC Regalia Gold
- Annual fee not easily waived
- Not as rewarding as Infinia
- Reward redemption can be tricky
HDFC Regalia Gold — Frequently Asked Questions
What is the annual fee of the HDFC Regalia Gold?
The HDFC Regalia Gold has an annual fee of ₹2,500 + GST and a joining fee of ₹2,500 + GST. New cardholders receive 2,500 Reward Points + vouchers as a welcome benefit, which helps offset the joining cost.
Does the HDFC Regalia Gold offer airport lounge access?
Yes — the HDFC Regalia Gold offers 12 domestic + 6 international per year.
Who is eligible for the HDFC Regalia Gold?
The minimum income requirement is ₹7,50,000+ per annum. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the HDFC Regalia Gold?
The HDFC Regalia Gold earns 4 Reward Points per ₹150. It is best suited for Frequent travelers on a moderate budget.
Credit Cards Similar to the HDFC Regalia Gold
If you are considering the HDFC Regalia Gold, these travel credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Diners Club Black Credit Card by HDFC Bank — rated 4.8/5, ₹10,000 annual fee
- Platinum Card by American Express (Amex) — rated 4.8/5, ₹60,000 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
Expert Rating: 4.4/5