The HDFC Regalia Gold Credit Card is a premium lifestyle and travel credit card designed for high-earning professionals who want luxury, comfort, and high-value rewards. With airport lounge access, Gold Catalogue rewards, milestone benefits, dining privileges, and premium insurance, it’s one of India’s most rewarding credit cards in the mid-premium category.
In this article, we break down everything — including its features, reward structure, fees, eligibility, how to apply, pros & cons, comparison with other cards, and a 2025 benefits analysis.
What Is a Credit Card? Why Are Indian Bank Credit Cards Popular?
A credit card allows you to borrow money for purchases and pay later. When you pay your full bill on time, you get 0% interest. Instead of just offering credit, Indian credit cards now provide:
- Cashback
- Airline miles
- Lounge access
- Reward points
- Dining offers
- EMI options
- Travel insurance
With India’s booming digital payments economy, credit cards have become essential for UPI-based payments, shopping, and travel rewards.
Types of Credit Cards in India
Before looking at Regalia Gold, here’s a quick overview of card types:
1. Shopping Credit Cards
High rewards on Amazon, Flipkart, Myntra, etc.
2. Travel Credit Cards
For airport lounge access, hotel benefits, air miles.
3. Cashback Cards
Flat cashback like Axis Ace, HDFC Millennia.
4. Premium Lifestyle Cards
Luxury benefits — HDFC Regalia Gold, SBI Elite.
5. Fuel Cards
Savings on BPCL, IOCL, HPCL pumps.
6. Co-Branded Cards
Amazon ICICI, Tata Neu HDFC, Swiggy HDFC.
7. Lifetime-Free Cards
No joining/annual fee.
Regalia Gold falls under the premium lifestyle + travel category.
#️⃣ HDFC Bank Regalia Gold Credit Card – Full Review (2025)
The Regalia Gold is an upgraded version of the popular HDFC Regalia. It offers enhanced Gold Catalogue rewards, yearly milestone vouchers, international & domestic lounge access, and premium travel benefits — ideal for frequent travelers and high-volume spenders.
Key Features of HDFC Regalia Gold
| Feature | Benefit |
|---|---|
| Joining Fee | ₹2,500 + GST |
| Annual Fee | ₹2,500 (waived on ₹4 lakh yearly spend) |
| Reward Rate | Up to 1.5% |
| Airport Lounge Access | Domestic + International |
| Milestone Benefits | Up to ₹5,000 vouchers |
| Travel Portal Discounts | Flights & hotels |
| UPI Compatibility (RuPay) | Yes (optional variant) |
| Golf Program | Complimentary games |
Eligibility Criteria for Regalia Gold
| Requirement | Details |
|---|---|
| Age (Salaried) | 21–60 years |
| Age (Self-employed) | 21–65 years |
| Minimum Income (Salaried) | ₹1 lakh per month |
| Minimum ITR (Self-employed) | ₹12 lakh per year |
| Credit Score | 725+ recommended |
Ideal for: professionals, entrepreneurs, NRIs, and frequent travelers.
Required Documents (KYC)
Identity Proof
- PAN
- Aadhaar
- Driving Licence
Address Proof
- Aadhaar
- Passport
- Utility bill
Income Proof
- Salary slips (last 3 months)
- Bank statement (6 months)
- ITR for business owners
How to Apply for HDFC Regalia Gold Credit Card
1️⃣ Online Application Process
- Visit hdfcbank.com → Credit Cards → Regalia Gold
- Enter mobile number & PAN
- Check eligibility instantly
- Submit KYC & upload documents
- Get approval
- Virtual card issued (if approved instantly)
2️⃣ Offline (Branch) Process
- Visit an HDFC branch
- Ask for the Regalia Gold application form
- Submit documents + photograph
- Complete verification
- Card delivered within 5–7 days
HDFC Regalia Gold Credit Card Benefits (2025)
This card shines when it comes to travel rewards, lounge access, and milestone vouchers.
✨ 1. Reward Points (Cash + Gold Catalogue)
| Spend Type | Reward Points |
|---|---|
| Online shopping | 4 points per ₹150 |
| Dining | 4 points per ₹150 |
| Travel | 4 points per ₹150 |
| Offline spends | 2 points per ₹150 |
Reward Value
1 Reward Point ≈ ₹0.20 (avg)
Effective reward rate: 1–1.5%
✨ 2. Gold Catalogue Benefits
Regalia Gold users get access to exclusive premium gifts:
- Luxury watches
- Headphones
- Electronics
- Travel accessories
- Lifestyle products
✨ 3. Airport Lounge Access
Domestic Lounges
✔ 2 visits per quarter
✔ Through Visa/Mastercard network
International Lounges
✔ 6 complimentary lounge visits/year
✔ Through Priority Pass
Frequent travelers save ₹10,000–₹15,000 yearly.
✨ 4. Milestone Spend Benefits
Earn vouchers based on yearly spending:
| Annual Spend | Benefit |
|---|---|
| ₹4 lakh | ₹2,500 voucher |
| ₹8 lakh | Extra ₹2,500 voucher |
Total yearly benefit = ₹5,000
✨ 5. Dining Benefits
✔ Dining discounts at partnered restaurants
✔ Celebration dinners
✔ Special curated menus
✨ 6. Travel Benefits
- Discounts on hotel & flight bookings
- Priority Pass membership
- Travel concierge
✨ 7. Insurance Coverage
Includes:
- Travel insurance
- Emergency overseas hospitalization
- Lost card liability
- Flight delay/missed flight cover
✨ 8. UPI Credit Card Benefits (RuPay Variant)
If you choose the RuPay version:
- Pay via Google Pay, PhonePe, Paytm
- Earn reward points
- Faster in-store payments
Regalia Gold Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹2,500 + GST |
| Annual Fee | ₹2,500 |
| Annual Fee Waiver | Spend ₹4 lakh/year |
| Finance Charges | 3.6% per month |
| Late Payment Fee | ₹100 – ₹1,300 |
| Overlimit Fee | 2.5% |
| Cash Withdrawal Fee | 2.5% (min ₹500) |
| Forex Markup | 2% |
Forex markup is lower than most cards, making it great for international travel.
Billing Cycle & Interest Calculation
Billing Cycle
30 days + 18–20 day grace period.
Interest Charges
Interest applies only if:
- You don’t pay full amount
- You withdraw cash
- You miss due date
Interest = Daily balance × APR × days
Common Mistakes to Avoid
❌ Paying minimum due
❌ High credit utilization
❌ Not redeeming reward points on time
❌ Missing fee waiver threshold
❌ Using card for cash withdrawal
❌ Not checking forex markup while traveling abroad
Best Indian Credit Cards (2025 Comparisons)
| Credit Card | Best For | Annual Fee |
|---|---|---|
| Regalia Gold | Travel + luxury lifestyle | ₹2,500 |
| Axis Magnus | Travel miles | ₹10,000 |
| SBI Elite | Lifestyle benefits | ₹4,999 |
| HDFC Millennia | Cashback | ₹1,000 |
| HDFC Infinia | Ultra premium | Invitation only |
Comparison Table – Regalia Gold vs Similar Cards
| Feature | Regalia Gold | SBI Elite | Axis Select |
|---|---|---|---|
| Annual Fee | ₹2,500 | ₹4,999 | ₹3,000 |
| Lounge Access | Intl + Domestic | Intl + Domestic | Domestic only |
| Reward Rate | Up to 1.5% | 1%–2% | 1% |
| Milestone Vouchers | ₹5,000 | ₹5,000+ | ₹3,000 |
| Forex Markup | 2% | 3.5% | 3.5% |
Result: Regalia Gold provides premium benefits at a mid-level fee — great value for money.
How to Choose the Right Credit Card
✔ Frequent flyer?
Choose Regalia Gold.
✔ Want cashback?
Choose Axis Ace or Millennia.
✔ Want luxury perks?
Choose Infinia or Magnus.
✔ Want low annual fee?
Choose MoneyBack+ or Amazon ICICI.
✔ Want international travel benefits?
Regalia Gold is perfect.
FAQs – HDFC Regalia Gold (10 Questions)
1. Is Regalia Gold better than Regalia?
Yes — it offers better rewards, Gold Catalogue, and travel benefits.
2. Does it offer international lounge access?
Yes — 6 Priority Pass visits per year.
3. How much income is required?
Minimum salary: ₹1 lakh/month.
4. Is the annual fee waived?
Spend ₹4 lakh in a year.
5. Is Regalia Gold good for travel?
Excellent — lounge access, insurance, and discounts.
6. Does it support UPI?
Yes, if you select the RuPay variant.
7. Can I convert purchases to EMI?
Yes — for purchases above ₹2,500.
8. What is the reward rate?
1–1.5% depending on category.
9. Does it offer fuel benefits?
Yes — 1% fuel surcharge waiver.
10. Is this card suitable for beginners?
No — it’s for high-income users.
Conclusion
The HDFC Regalia Gold Credit Card is one of India’s best premium lifestyle cards in 2025. With international lounge access, milestone vouchers, travel insurance, Gold Catalogue rewards, and a strong reward rate, it offers massive value for individuals spending ₹4–8 lakh annually.
If you’re a frequent traveler or want premium benefits without paying extremely high annual fees — Regalia Gold is a perfect choice.
