HDFC Regalia Gold Review 2026
Last reviewed:
Quick verdict
HDFC's flagship travel card for frequent flyers earning ₹60K+ per month. The 12 domestic and 6 international lounge visits alone justify the ₹2,500 annual fee. Spend ₹3-5 lakh/year to get the fee waived — the Club Marriott membership and flight milestone rewards make it worthwhile for regular travellers.
Pros
- Airport lounge access: 12 domestic + 6 international per year
- Welcome benefit: 2500 reward points on first spend
Cons
- High annual fee of ₹2,500 + GST — only worth it if you use the benefits
- 3.5% + GST forex markup makes it expensive abroad
- Interest of 3.49% per month (41.88% p.a.) if you carry a balance
Key benefits
- Complimentary Club Marriott membership
- Complimentary flight tickets on spend milestones
- 12 domestic & 6 international lounge visits
- 1% fuel surcharge waiver (₹400-₹5000)
Fees & charges at a glance
| Joining Fee | ₹2,500 + GST |
|---|---|
| Annual Fee | ₹2,500 + GST |
| Rewards | 4X reward points on every ₹150 spent |
| Welcome Benefit | 2500 reward points on first spend |
| Lounge Access | 12 domestic + 6 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST |
| Interest Rate | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹2,00,000 - ₹10,00,000 |
| Add-On Card Fee | Free |
| Min Income | ₹60,000/month |
| Network | Visa |
| Contactless | Yes |
| EMI Conversion | Yes |
Who should get this card?
The HDFC Regalia Gold is best suited for travel & luxury. It is a premium card on the Visa network, and HDFC Bank generally looks for a minimum income of ₹60,000/month. If your spending matches its reward categories (4x reward points on every ₹150 spent), the card can pay for its annual fee of ₹2,500 + GST. If not, a lifetime-free card may give you better net value.
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HDFC Regalia Gold: frequently asked questions
What is the annual fee of the HDFC Regalia Gold?
The HDFC Regalia Gold has a joining fee of ₹2,500 + GST and an annual fee of ₹2,500 + GST. Many banks waive the renewal fee when you cross a yearly spend milestone — check the latest waiver condition with HDFC Bank.
What rewards does the HDFC Regalia Gold give?
4X reward points on every ₹150 spent. Complimentary Club Marriott membership. Complimentary flight tickets on spend milestones.
Does the HDFC Regalia Gold offer airport lounge access?
Yes. The HDFC Regalia Gold offers 12 domestic + 6 international per year. Lounge programmes are often linked to a minimum spend in the previous quarter, so confirm the current rule with HDFC Bank.
What is the eligibility and minimum income for the HDFC Regalia Gold?
HDFC Bank typically requires a minimum income of ₹60,000/month for the HDFC Regalia Gold, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the HDFC Regalia Gold?
The HDFC Regalia Gold charges 3.49% per month (41.88% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the HDFC Regalia Gold?
The foreign currency markup on the HDFC Regalia Gold is 3.5% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the HDFC Regalia Gold to UPI?
No. The HDFC Regalia Gold runs on the Visa network. Only RuPay credit cards can be linked to UPI in India at present.
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