HDFC Bank Regalia Gold Credit Card review
Frequent flyers who want lounge access plus accelerated shopping rewards. Verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026 · confirm before applying
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At a glance
HDFC Bank · Visa / Mastercard
Domestic & international airport-lounge access plus 5X points at select brands.
- Annual fee
- ₹2,500 + GST (waived on ₹4L annual spend)
- Reward rate
- ~1.25% base (5 RP/₹200, from May 2026); 5X at select brands
- Lifetime-free
- No
- Network
- Visa / Mastercard
- Eligibility
- Salaried ₹1L+/mo (21–60); self-employed ITR ≥₹18L (21–65)
Why it stands out
- Complimentary domestic and international airport-lounge visits
- 5X reward points at Myntra, Nykaa, Reliance Digital & M&S (cap 5,000 RP/mo)
- ₹2,500 joining fee offset by a ₹2,500 welcome voucher
Good to know
- It isn't lifetime-free — the annual fee (₹2,500 + GST (waived on ₹4L annual spend)) applies unless you meet the spend-based waiver.
- Accelerated rewards are usually capped — check the monthly/quarterly caps in the reward rate above before counting on them.
- Issuers revise card terms often, so confirm the current fees, rewards and eligibility on HDFC Bank's official page before applying.
How it compares
See it ranked against similar cards in our best travel & lounge credit cards roundup.
HDFC Bank Regalia Gold Credit Card — FAQs
No. The HDFC Bank Regalia Gold Credit Card carries a fee — ₹2,500 + GST (waived on ₹4L annual spend). That fee is typically refunded only if you meet a spend threshold, so it's a spend-based waiver rather than a genuine lifetime-free card.
₹2,500 + GST (waived on ₹4L annual spend). Fees are dated as of June 2026 and can change — check the current schedule of charges on HDFC Bank's official page before applying.
Domestic & international airport-lounge access plus 5X points at select brands. In detail: ~1.25% base (5 RP/₹200, from May 2026); 5X at select brands. Reward values and caps are indicative and set by the issuer.
Frequent flyers who want lounge access plus accelerated shopping rewards. Eligibility is broadly Salaried ₹1L+/mo (21–60); self-employed ITR ≥₹18L (21–65). It's not advice — pick a card that fits your own spending and confirm you qualify on the issuer's page.
This is an informational review, not financial advice or a recommendation to apply. Card terms change often — confirm current fees, reward rates and eligibility on HDFC Bank's official page before applying. Using credit responsibly and paying your bill in full avoids interest.