Key features
- Complimentary Swiggy One and MMT Black Gold memberships
- Boarding Edge Program: choose 2 of spa, buffet, room upgrade, or airport transfer per quarter after any flight
- 12 domestic airport lounge visits per year (spend-gated: ₹60k per quarter from July 2026)
- 6 international lounge visits per year via Priority Pass
- 5X rewards on Myntra, Nykaa, Marks & Spencer, Reliance Digital
- 10X rewards on HDFC SmartBuy hotels
- Insurance premium spend earns regular reward points (2,000 RP monthly cap)
- Accidental air death cover ₹1 crore, emergency overseas hospitalization up to ₹15 lakh
- 1% fuel surcharge waiver
- Up to 20% dining savings via Swiggy Dineout
- Transfer reward points to Accor ALL (2 points to 1 ALL point) for the best redemption value, around ₹0.85 to ₹0.90 per point
Rewards
| Category | Rate | Detail |
|---|---|---|
| smartbuy hotels | 25× | 10X rewards on HDFC SmartBuy hotels (25 points per ₹100); capped at 4,000 bonus points per month |
| smartbuy flights | 12.5× | 5X rewards on HDFC SmartBuy flights (12.5 points per ₹100); capped at 4,000 bonus points per month |
| lifestyle brands | 12.5× | 5X rewards at Myntra, Nykaa, Marks & Spencer, Reliance Digital; capped at 5,000 points per month across brands |
| Default earn rate | 2.5× | All other eligible retail spends |
| Welcome bonus: ₹2,500 gift voucher on joining plus complimentary Swiggy One and MMT Black Gold memberships; Club Vistara Silver Tier on ₹1 lakh spend within 90 days | ||
Fees
| Joining fee₹2,500 gift voucher credited on joining effectively offsets the joining fee | ₹2,500 |
| Annual feeWaived on annual spend of ₹4 lakh or more | ₹2,500 |
Lounge access
Eligibility
Frequently asked questions
Is the HDFC Regalia Gold joining fee worth it?
HDFC Bank credits a ₹2,500 gift voucher on joining, making year one effectively zero cost. The renewal fee of ₹2,500 is waived if you spend ₹4 lakh or more across the anniversary year, a threshold most active cardholders meet without specifically targeting it.
Can the HDFC Regalia Gold be converted to a lifetime free card?
There is no official lifetime-free variant, but the renewal fee can be handled in two ways. The standard route is the ₹4 lakh annual spend waiver. Separately, some cardholders have successfully had the card converted to lifetime free by calling HDFC customer care and requesting a fee waiver before the renewal date. Retention desks often have discretion to waive or permanently remove the fee, so it is worth making that call a few weeks ahead of your renewal rather than after the charge posts.
Has HDFC Regalia Gold been devalued in 2026?
Yes. The reward rate changed on May 15, 2026 from 4 points per ₹150 to 5 points per ₹200, a marginal reduction in the effective base rate. More significantly, domestic lounge access moved to a spend-gated model from July 2026: three visits per quarter are now conditional on spending ₹60,000 in the previous quarter.
What is the HDFC Regalia Gold Boarding Edge Program?
Boarding Edge lets you choose any two complimentary benefits per quarter after any flight: a spa session, a five-star hotel buffet, a room upgrade, or an airport transfer in your destination city. You activate the benefit by uploading your boarding pass on the HDFC SmartBuy portal within six days of landing.
Does HDFC Regalia Gold earn reward points on insurance premiums?
Yes. Insurance premium payments earn at the standard base rate of 5 points per ₹200, subject to a monthly cap of 2,000 reward points on insurance transactions. This is uncommon for Indian premium lifestyle cards, most of which exclude insurance spend or earn at a reduced rate.
What is the best way to maximize HDFC Regalia Gold rewards?
Book hotels and flights through the HDFC SmartBuy portal, where hotels earn 10X and flights earn 5X, capped at 4,000 bonus points per month. Route insurance premiums through the card to earn points on an otherwise unmonetised category. Aim for ₹1.5 lakh per quarter to earn the ₹1,500 Myntra or Nykaa voucher, and both insurance and hotel spend count toward that target.
Ready to apply for the HDFC Regalia Gold Credit Card?
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