HDFC Regalia Gold Credit Card – Travel, Dining & Lounge Benefits Explained [2025 Guide]

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Card Fees

₹2500

Joining Fees

₹2500

Annual Fees

2%

Foreign Transaction Fee

45%

APR

2.5%

Over-limit Fee

Eligibility Criteria

21-60

Minimum & maximum age criteria

1,50,000

Minimum monthly income

750

Minimum credit score

Category

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Minimum Credit Score Required

750

Annual Charges

₹2500

Features

  • 5X rewards on select brands
  • 12 domestic & 6 international lounge visits
  • Exclusive Club Vistara & MMT memberships

Welcome Offer

  • ₹2,500 voucher & premium memberships​

The HDFC Regalia Gold Credit Card offers premium lifestyle benefits, including welcome vouchers, complimentary lounge access, accelerated rewards on select brands, and exclusive memberships.

Written By:

Aftab Memon

Last Updated:

May 1, 2025

Key Features

  • Welcome Benefits:
    • ₹2,500 gift voucher upon payment of joining fee
    • Complimentary Club Vistara Silver Tier membership on spending ₹1 lakh within 90 days
    • Complimentary MakeMyTrip Black Elite membership on spending ₹1 lakh within 90 days​
  • Reward Points:
    • 4 reward points per ₹150 spent on retail purchases
    • 5X reward points on spends at Marks & Spencer, Myntra, Nykaa, and Reliance Digital
    • Redeem points for flights, hotels, airmiles, and premium brands via the exclusive Gold Catalogue
  • Lounge Access:
    • 12 complimentary domestic lounge visits per year
    • 6 complimentary international lounge visits per year via Priority Pass (post 4 retail transactions)
  • Milestone Benefits:
    • ₹1,500 voucher on quarterly spends of ₹1.5 lakh
    • ₹5,000 flight voucher on annual spends of ₹5 lakh
    • Additional ₹5,000 flight voucher on annual spends of ₹7.5 lakh
  • Additional Benefits:
    • 24/7 concierge services
    • Zero lost card liability upon reporting
    • Contactless payment feature
    • Up to 20% savings on dining via Swiggy Dineout
    • Insurance coverage:
      • Accidental air death: ₹1 crore
      • Emergency medical care abroad: up to ₹15 lakh
      • Credit liability cover: up to ₹9 lakh

Fees and Charges

Charge TypeAmount
Joining Fee₹2,500 + GST
Annual Fee₹2,500 + GST
Fee Waiver Threshold₹4 lakh annual spend
Foreign Transaction Fee2% of transaction amount
Over-limit Fee2.5% (minimum ₹500)

Pro and Cons:

Pros:

  • Generous welcome and milestone benefits
  • Accelerated rewards on popular brands
  • Extensive lounge access domestically and internationally

Cons:

  • High annual fee if spend threshold not met
  • Reward redemption limited to specific platforms
  • Eligibility criteria may be stringent for some applicants​

 

How to Apply

Apply Now
  • Click on “Apply Now”
  • Fill in Personal Details
  • Upload Required Documents
  • Submit Application
  • Approval & Card Dispatch

Additional Information

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  1. What are the welcome benefits of the HDFC Regalia Gold Credit Card?
    • Upon payment of the joining fee, you receive a ₹2,500 gift voucher. Additionally, by spending ₹1 lakh within 90 days, you can avail complimentary Club Vistara Silver Tier and MakeMyTrip Black Elite memberships.
  2. How can I access international lounges with this card?
    • After completing 4 retail transactions, you can apply for a Priority Pass, which offers 6 complimentary international lounge visits per year for both primary and add-on cardholders.
  3. Are there any accelerated reward points on specific brands?
    • Yes, you earn 5X reward points on spends at Marks & Spencer, Myntra, Nykaa, and Reliance Digital.
  4. What is the annual fee waiver condition?
    • The annual fee of ₹2,500 + GST is waived off if you spend ₹4 lakh or more in a year.​
  5. How can I redeem my reward points?
    • Reward points can be redeemed for flights, hotels, airmiles, and premium brands via the exclusive Gold Catalogue on the HDFC Bank SmartBuy platform.​

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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