By: OurMoneyGuide || Last updated on: May 3, 2024

HDFC Bank Regalia Gold Credit Card is a premium card from HDFC Bank. You enjoy accelerated rewards on a variety of spending categories, at select partners, and on a variety of gift voucher purchases. You also get other benefits like complimentary lounge access both in India and abroad, and complimentary lifestyle memberships.


Pros & Cons of HDFC Bank Regalia Gold Credit Card

Pros

  • One of the best premium cards in this segment – attractive rewards on select categories & partners through the 3X-10X accelerator rewards program
  • Complimentary airport lounge access both in India and abroad

Cons

  • Attractive reward rates are mostly available only on select categories, and at select partners.

Features & Benefits of the HDFC Bank Regalia Gold Credit Card

3X – 10X rewards on select categories & select partners

HDFC Bank Regalia Gold Credit Card is well known for very attractive accelerated rewards on certain categories and partners. Please find in the table below a snapshot, followed by details on each of these categories.


Applicable categories and partners
17.3% reward (10X)✓ Hotels
✓ Partners – Jockey, IGP.com, Pharmeasy
8.6% reward (5X)✓ Flights
✓ Bus tickets on RedBus
✓ MakeMyTrip holiday packages
✓ Gift vouchers

✓ Partners – Myntra, Apple Imagine Tresor, Nykaa, Zoom Car
5.2% reward (3X)✓ Railway bookings on IRCTC
*5.2% – 17.3% rewards shown above, assume you redeem your reward points for flight & hotel bookings on HDFC Smartbuy platform. There are also monthly restrictions on earning these rewards (maximum 4000 accelerated reward points per month), details in the sections below.


✓ 17.3% reward (10X) on the following card spends via HDFC Smartbuy platform – hotels || select partners (Jockey, Pharmeasy, IGP.com)

You can earn 5.3% to 17.3% reward in these categories, based on how you redeem your reward points. Please refer to the below table for details-

Reward point earningsRewardRewardRewardReward
40 reward points on every ₹150 spent in these categories, meaning 26.6 reward points on every ₹100 spent17.3%

1 reward point = ₹0.65, when you redeem your reward points on ‘exclusive Gold Catalogue’ on select premium brands’ via HDFC Smartbuy platform
13.3%

1 reward point = ₹0.50, when you redeem your reward points for flight & hotel bookings on HDFC Smartbuy platform
9.3%

1 reward point = ₹0.35, when you redeem your reward points for vouchers and products on Netbanking or HDFC Smartbuy platform.
5.3%

1 reward point = ₹0.20, when you redeem your reward points for cashback

✓ 8.6% reward (5X) on the following card spends via HDFC Smartbuy platform – flights || bus tickets || MakeMyTrip holiday packages || gift vouchers || select partners (Myntra, Apple Imagine Tresor, Nykaa, Zoom Car)

You can earn 2.6% to 8.6% reward in these categories, based on how you redeem your reward points. Please refer to the below table for details-

Reward point earningsRewardRewardRewardReward
20 reward points on every ₹150 spent in these categories, meaning 13.3 reward points on every ₹100 spent8.6%

1 reward point = ₹0.65, when you redeem your reward points on ‘exclusive Gold Catalogue’ on select premium brands’ via HDFC Smartbuy platform
6.6%

1 reward point = ₹0.50, when you redeem your reward points for flight & hotel bookings on HDFC Smartbuy platform
4.6%

1 reward point = ₹0.35, when you redeem your reward points for vouchers and products on Netbanking or HDFC Smartbuy platform.
2.6%

1 reward point = ₹0.20, when you redeem your reward points for cashback

✓ 5.2% reward (3X) on the following card spends via HDFC Smartbuy platform – railway bookings at IRCTC

You can earn 1.6% to 5.2% reward in this category, based on how you redeem your reward points. Please refer to the below table for details-

Reward point earningsRewardRewardRewardReward
12 reward points on every ₹150 spent in these categories, meaning 8 reward points on every ₹100 spent5.2%

1 reward point = ₹0.65, when you redeem your reward points on ‘exclusive Gold Catalogue’ on select premium brands’ via HDFC Smartbuy platform
4%

1 reward point = ₹0.50, when you redeem your reward points for flight & hotel bookings on HDFC Smartbuy platform
2.8%

1 reward point = ₹0.35, when you redeem your reward points for vouchers and products on HDFC Smartbuy platform.
1.6%

1 reward point = ₹0.20, when you redeem your reward points for cashback

✓ 1.7% reward (X) on all other card spends

You can earn 0.5% to 1.7% reward on all other card spends. Please refer to the below table for details-

Reward point earningsRewardRewardRewardReward
4 reward points on every ₹150 spent in these categories, meaning 2.6 reward points on every ₹100 spent1.7%

1 reward point = ₹0.65, when you redeem your reward points on ‘exclusive Gold Catalogue’ on select premium brands’ via HDFC Smartbuy platform
1.3%

1 reward point = ₹0.50, when you redeem your reward points for flight & hotel bookings on HDFC Smartbuy platform
0.9%

1 reward point = ₹0.35, when you redeem your reward points for vouchers and products on Netbanking or HDFC Smartbuy platform.
0.5%

1 reward point = ₹0.20, when you redeem your reward points for cashback

Please click here to see more details on how to redeem reward points on the various options discussed above.

Exceptions and important points to note :
– No reward points are given on rent payments & property management services, government transactions, fuel purchases, EMI transactions, and e-wallet loading transactions.
– On insurance transactions, you can earn a maximum of 2000 reward points per day, which is equal to a maximum insurance spend of approximately ₹75,000 per day (since you earn 4 reward points on every ₹150 you spend).
– On grocery purchases, you can earn a maximum of 2000 reward points per calendar month, which is equal to a maximum grocery spend of approximately ₹75,000 per calendar month (since you earn 4 reward points on every ₹150 you spend).
– The maximum reward points that can be earned in a statement cycle for Regalia Gold is 50,000.
– Reward points are valid for 2 years
For full terms and conditions, please click here – HDFC Regalia terms and conditions

Limits and restrictions on 3X – 10X rewards – maximum 4000 accelerated reward points per month

You can earn a maximum of 4000 accelerated reward points per calendar month (maximum 2000 accelerated reward points in a day) on the 3X – 10X categories described above. 

Accelerated reward points means the extra reward points you get in a certain category. For example in 10X category, you get normal reward points (X), and accelerated reward points (9X). Lets take a few scenarios to understand this in more detail-


Normal reward (X)Accelerated rewardLimit of 4000 ‘accelerated’ reward points per month
If you spend ONLY in the 10X categories4 reward points on every ₹150 spent in this category (X)36 reward points on every ₹150 spent in this category (9X)You would reach the limit of 4000 accelerated reward points per month – at monthly spends of ₹16,666 in the 10X categories.
If you spend ONLY in the 5X categories4 reward points on every ₹150 spent in this category (X)16 reward points on every ₹150 spent in this category (X)You would reach the limit of 4000 accelerated reward points per month – at monthly spends of ₹37,500 in the 5X categories.
If you spend ONLY in the 3X categories4 reward points on every ₹150 spent in this category (X)8 reward points on every ₹150 spent in this category (2X)You would reach the limit of 4000 accelerated reward points per month – at monthly spends of ₹75,000 in the 3X categories.

You can of course spend on a mix of each of the 3X-10X categories. As shown in the table above, you will hit your limit of 4000 accelerated reward points in a month, at monthly spends between ₹16,666 and ₹75,000, depending on your exact mix of spends. If you spend ONLY in the 10X categories, you will hit the 4000 accelerated reward points limit the fastest, at ₹16,666 monthly spend. If you spend ONLY in the 3X categories, you will hit the 4000 accelerated reward points limit at ₹75,000 monthly card spend.

Important terms and conditions on redeeming reward points 
– You can redeem a maximum of 50,000 reward points per calendar month, on flights & hotel bookings on HDFC Smartbuy portal
– You can redeem a maximum of 50,000 reward points per calendar month, against card statement balance (cashback redemption)
– You can redeem up to a maximum of 70% on the travel bookings (flights, hotel and experiences) using reward points. The balance amount will need to be paid via credit card
– You can redeem up to a maximum of 70% on select vouchers and products using reward points. The balance amount will need to be paid via credit card

For full terms and conditions, please click here – HDFC Regalia terms and conditions

8.6% reward (5X) at select partners – Marks & Spencer || Myntra || Reliance Digital || Nykaa (both online and offline/in-store spends - not through HDFC Smartbuy platform)

These benefits are available when you use your card directly at these partners, either online or offline. You do not need to go through the HDFC Smartbuy program to avail 5X rewards at these partners. This benefit is available only on total purchases upto ₹37500 per month across these partners, since you can earn a maximum of 5000 accelerated reward points per calendar month. Minimum transaction value to earn rewards is ₹150.

You can earn 2.6% to 8.6% reward in these categories, based on how you redeem your reward points. Please refer to the below table for details-

Reward point earningsRewardRewardRewardReward
20 reward points on every ₹150 spent in these categories, meaning 13.3 reward points on every ₹100 spent8.6%

1 reward point = ₹0.65, when you redeem your reward points on ‘exclusive Gold Catalogue’ on select premium brands’ via HDFC Smartbuy platform
6.6%

1 reward point = ₹0.50, when you redeem your reward points for flight & hotel bookings on HDFC Smartbuy platform
4.6%

1 reward point = ₹0.35, when you redeem your reward points for vouchers and products on Netbanking or HDFC Smartbuy platform.
2.6%

1 reward point = ₹0.20, when you redeem your reward points for cashback

Upto 2.1% additional reward (milestone benefit)

– You get ₹1500 voucher, at quarterly card spend of ₹1.50 lakh (you can select voucher from Marriott, Myntra, Marks & Spencer or Reliance Digital)
– You get one ₹5000 flight ticket voucher, at annual card spend of ₹5 lakh
– You get one additional ₹5000 flight ticket voucher, at annual card spend of ₹7.50 lakhs
Hence you can potentially earn ₹16000 worth of vouchers, if you hit all the above card spend requirements, and achieve all milestone benefits.

Complimentary international airport lounge – upto 6 times per year

You get free visits to international airport lounges, 6 times per year. This benefit is also available for add-on cardholders. You can visit www.prioritypass.com for complete list of lounge details.

You can apply for Priority Pass for yourself and add-on members once you complete minimum 4 transactions on your HDFC Bank Regalia Gold Credit Card.

Complimentary airport lounge access in India – 12 times per year

Please click here to check the list of lounges.

HDFC Swiggy Dineout Program : Dining discounts at restaurants through Swiggy Dineout, upto ₹500 per month

  • 7.50% discount on restaurant transactions between ₹2000 and ₹3333 (maximum discount of ₹250 per transaction, minimum transaction amount of ₹2000). On transactions above ₹3333, your discount percentage will fall below 7.50%. On transactions below ₹2000, no discount is given.
  • Offer valid 2 times per month
  • Payments need to be made through the Swiggy app

For more details, including how to avail the offer, please click here – HDFC Swiggy Dineout Dining Program.

Complimentary insurance benefits

You get complimentary insurance covers-
– accidental air death cover worth ₹1 crore
– emergency overseas hospitalisation coverage of up to ₹15 lakhs
– lost card liability cover of up to ₹9 lakhs

Please click here for details .

Welcome benefits, including complimentary Club Vistara Silver membership and complimentary MakeMyTrip Black Elite membership

You get various welcome offers-
– ₹2500 gift voucher on payment of 1st year annual fee
– Complimentary Club Vistara Silver Tier and complimentary MMT Black Elite Membership – on spending ₹1 lakh or more within 90 days of card issuance.

Please click here, to see details on how to claim the above welcome offers.

24/7 Concierge Services

Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Regalia Gold Credit Card. Simply call at – toll-free on 1860 425 1188 (India) / Email ID: regaliagold.support@smartbuyoffers.co

HDFC Bank Regalia Gold Credit Card Fees and Charges

Annual fee & annual fee offers

Annual fee
Annual fee offers
1st year joining fee₹2,500Welcome offers
– ₹2500 gift voucher
– Complimentary Club Vistara Silver Tier and MMT Black Elite Membership – on spending ₹1 lakh or more within 90 days of card issuance
Renewal fee from 2nd year onwards₹2,500Renewal offers :
– Annual fee is not charged from the second year onwards, if you spend ₹4lakhs or more in the previous year.

Foreign currency mark-up fee

2% of the transaction amount. This fee is charged when you use your card outside India.

Finance charges

3.60% per month (43.20% per year)

Fee on rental payments 

1% fee is charged on rent payments, from the second rental transaction of the calendar month. No fee is charged on 1 rental payment in a month. No reward points are given on rental payments.

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – HDFC Bank Regalia Gold Credit Card Fees & Charges

Eligibility Criteria

Minimum age21 years
Maximum ageSalaried : 60 years
Self-employed : 65 years
Occupation Salaried, self-employed
Minimum income requirementsSalaried : ₹1 lakh per month
Self-employed : ₹12 lakhs per year (in ITR)
Credit scoreGood credit score, preferably above 750

Application Process

Step-by-step guide –

Online application process
You can visit the official website of the bank OR mobile app and fill out the application form. The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.

To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents (listed below in the next section of this page).

Submit the application
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Whatsapp BankingYou can also apply for your card through HDFC Whatsapp Banking. Here are the steps to apply for an HDFC Credit Card through WhatsApp Banking:

1. Save the Chat Banking number 7070022222 (HDFC Bank WhatsApp number) in your contacts
2. Send “Hi”
3. Choose the desired option OR simply type your query e.g – “Apply for Credit Card”.
Approval timeline and application tracking processTimeline : In most cases, the credit card decision would be communicated within a few days. In certain cases, it could take longer, especially if the bank wants more information and documents from you.

Tracking your card application :
– When you apply you get a reference/ application number. If your card is approved , you get a confirmation SMS post which you can track your application by clicking here .

– To track your credit card offline, you can call the 24*7 customer care number and present your issue. You can also track your credit card by walking into the nearest HDFC Bank branch and give your application reference number. The branch executives will then check your credit card application status and track it.

Necessary documents and verification

Required documents
PAN card copy

Identity proof : PAN card , driving license, valid passport, voter ID (any one)

Address proof : electricity bill, phone bill (not more than 2 months old), driving licence, passport, ration card, bank statement, passbook (not older than 3 months), voters ID, flat maintenance bill (not older than 2 months), rent agreement (any one)

Income proof : latest salary slip/s, income tax return etc

For details, click here

Conclusion

As you can see, Regalia Gold Credit Card offers a good rewards program, especially if you can use the accelerated benefits available on the HDFC Smartbuy platform, and the additional benefits available through the Milestone Program. It also offers a range of lifestyle benefits like complimentary airport lounge access both in India and abroad.