HDFC Bank Regalia Gold Credit Card Review: 5 Points per ₹200 From May 2026

HDFC Bank's Regalia Gold has earned 5 Reward Points per ₹200 since 15 May 2026, and a point is worth up to ₹0.65 on its Gold Catalogue, so base spends return about 1.6%. The fee is ₹2,500 plus GST, waived on ₹4 lakh of yearly spends, and domestic lounge access now depends on spending ₹60,000 in the previous quarter.

By Pankaj Pandey · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

Key facts

Joining fee: ₹2,500 + GST
Annual fee: ₹2,500 + GST. Retail spends of ₹4 lakh within 12 billing cycles of your anniversary year waive the next year's renewal fee
Base reward: 5 Reward Points for every ₹200 spent on eligible retail spends
Best category: Myntra, Nykaa, Reliance Digital, Marks & Spencer: 5X Reward Points
Lounge: Domestic: 3 complimentary domestic lounge visits per calendar quarter, by swiping the card International: Up to 6 visits per calendar year outside India via Priority Pass, for primary and add-on members
Forex markup: 2% of the amount
Network: Not stated by the bank

Apply on HDFC Bank's site

Opens the bank's own page for this card. Approval and the credit limit are the bank's decision.

In short

Worth it for people who spend ₹4 lakh or more a year, travel a few times a year and redeem on the Gold Catalogue or flights rather than as cashback.

Best for

Salaried earners above ₹1.5 lakh a month who spend about ₹33,334 or more monthly
Occasional international travellers who want a 2% forex markup and Priority Pass visits
Regular shoppers at Myntra, Nykaa, Reliance Digital and Marks & Spencer

Skip it if

You would redeem points as cashback, which pays only 15 paise a point
You cannot spend ₹60,000 a quarter to keep domestic lounges
Fuel is a large part of your spending, as it earns no points and gets no waiver

Highlights

Joining and renewal fee ₹2,500 plus GST
5 Reward Points per ₹200 from 15 May 2026
1 point is worth ₹0.65 on the Gold Catalogue
3 domestic lounge visits a quarter on ₹60,000 prior-quarter spend
Forex markup 2%

Regalia Gold after HDFC's May 2026 changes

Regalia Gold is HDFC Bank's mid-premium card, a step above the entry cards and below the metal Infinia and Diners Club Black. It earns Reward Points, opens lounges in India and abroad, and gives vouchers at spend milestones. It is active and open to new applicants.

The big news is earning. Until 15 May 2026 it was 4 points per ₹150; now it is 5 per ₹200. That look like more but works out a little less: ₹30,000 of spend used to earn 800 points (₹30,000 divided by 150, times 4) and now earns 750 (₹30,000 divided by 200, times 5). Any amount under ₹200 earns nothing now.

What decides your return

Where you redeem. A point fetch ₹0.65 on the Exclusive Gold Catalogue, ₹0.50 on flights and hotels, and only 15 paise as cashback since 1 November 2025.
The lounge rule. From the quarter that began on 1 July 2026, the 3 domestic visits a quarter need ₹60,000 of spend in the quarter before.

Other 2025 and 2026 changes

The 15 May 2026 notice also added Boarding Edge (upload a boarding pass on SmartBuy and pick any 2 of a spa, an Uber airport transfer, hotel dining or a room upgrade each calendar quarter), a 1.75% markup on rupee payments abroad and a ₹199 reissue fee. The welcome benefit moved from Club Vistara Silver and MMT Black to Swiggy One and MMT Black Gold, HDFC doesn't say on what date.

What Regalia Gold costs to hold and to use

You pay ₹2,500 to join and ₹2,500 at each renewal, with GST on top. At 18% each payment become ₹2,950 (₹2,500 plus ₹450). HDFC bills the first-year fee, with GST, on the 120th day after the card is issued. Add-on cards are free.

The waiver needs ₹4 lakh of retail spends within the 12 billing cycles of your anniversary year, roughly ₹33,334 a month (₹4,00,000 divided by 12 is ₹33,333.33). A household that put groceries, shopping, travel and bills on this card usually reaches it; a flights-and-weekends user often won't.

Revolving costs 3.75% a month, 45% a year, plus GST. Leave ₹50,000 unpaid for 20 days and the interest come to about ₹1,233 (20 times ₹50,000 times 45%, divided by 365). The late fee follows HDFC's slabs, from ₹100 on a bill of ₹101 to ₹500 up to ₹1,300 above ₹50,000, plus GST, and only after 3 grace days.

Foreign currency spends carry 2% plus GST, well below the 3.5% on HDFC's entry cards. There is no fuel surcharge waiver on this card, so the pump surcharge stays with you, and fuel earn no points either.

The usage fees are bank-wide: 1% on rent, on wallet loads and skill gaming past ₹10,000 a month, on utilities past ₹50,000 a month, on app-paid education and on a single fuel bill above ₹15,000, each capped at ₹4,999. Cash withdrawal costs 2.5% or ₹500, whichever higher, with interest from day one, and over-limit is 2.5% (minimum ₹550) only if you opted in.

Regalia Gold: fees and charges

Joining fee	₹2,500 + GST
Annual or renewal fee	₹2,500 + GST
Annual fee waiver	Retail spends of ₹4 lakh within 12 billing cycles of your anniversary year waive the next year's renewal fee
Add-on card fee	Nil
GST	Charged on top of the fees and charges listed
In the bank’s words	Joining Fee: ₹2500 plus Applicable Taxes; Renewal Fee: ₹2500 plus Applicable Taxes
Interest on unpaid balances	Up to 3.75% a month (45% a year)
Late payment fee	Late payment charges (excl. GST), basis the bill amount, w.e.f. 1 Aug 2024: nil up to ₹100; ₹100 for ₹101 to ₹500; ₹500 for ₹501 to ₹1,000; ₹600 for ₹1,001 to ₹5,000; ₹750 for ₹5,001 to ₹10,000; ₹900 for ₹10,001 to ₹25,000; ₹1,100 for ₹25,001 to ₹50,000; ₹1,300 above ₹50,000. Charged when the Minimum Amount Due is not paid; account is reported past due and late fee levied only after 3 grace days from the due date.
Cash withdrawal	2.5% of the amount withdrawn or ₹500, whichever is higher, plus finance charges at the revolving rate from the date of withdrawal until full payment.
Over-limit fee	2.5% of the over-limit amount, minimum ₹550, only with the cardholder's explicit consent.
Forex markup	2% of the amount
Other fees	Rent payments: 1% of the transaction amount on any applicable merchant, capped at ₹4,999 per transaction (w.e.f. 1 Jul 2025). Fuel: 1% on the whole amount of a fuel transaction above ₹15,000 (consumer cards), capped at ₹4,999 per transaction. Utilities: 1% on total utility spends when they exceed ₹50,000 in a calendar month, capped at ₹4,999 per month (insurance is not treated as utility). Education: 1% on payments through third-party apps such as CRED, NoBroker, Cheq, capped at ₹4,999 per transaction; direct payments to the school or college website or POS and international education are not charged. Wallet loading (excluding PayZapp): 1% on total wallet loads when they exceed ₹10,000 in a calendar month, capped at ₹4,999 per month (w.e.f. 1 Jul 2025). Online skill-based gaming: 1% on total gaming spends when they exceed ₹10,000 in a calendar month, capped at ₹4,999 per month (w.e.f. 1 Jul 2025). Railway ticket purchases: 1% of the transaction amount + GST (all cards other than IRCTC). Dynamic currency conversion markup: 1.75% on transactions in Indian rupees at an international location or with merchants located in India but registered overseas (w.e.f. 15 May 2026). Card reissue (lost, stolen, damaged or network change): ₹199 for non-metal cards; ₹3,500 for metal cards (w.e.f. 15 May 2026). Payment return: 2% of the payment amount, minimum ₹450. Cash processing fee: ₹100 for card payments deposited in cash at HDFC Bank branches or ATMs. Balance transfer processing: 1% of the amount or ₹250, whichever is higher. EasyEMI processing fee at merchants: up to ₹299 (w.e.f. 1 Aug 2024).

Points, their value and three spending profiles

The base is 5 Reward Points per ₹200 of eligible retail spend. On the Gold Catalogue that is ₹3.25 back per ₹200 (5 times ₹0.65), about 1.6%; on flights and hotels ₹2.50 (5 times ₹0.50), or 1.25%; as cashback just ₹0.75 (5 times 15 paise), or 0.375%. Vouchers give up to ₹0.35 a point. Points last 2 years, and each catalogue redemption costs ₹99 plus GST. HDFC doesn't publish this card's SmartBuy accelerated rates, and its pages don't name the network.

Myntra, Nykaa, Reliance Digital and Marks & Spencer earn 5X, online or in store. HDFC caps the 5X points at 5,000 a month across these brands together, while base points carry on without cap. Reading 5X as five times the base, a ₹200 spend there earn 25 points.

Grocery, insurance, utilities and telecom are each capped at 2,000 points a month, UPI at 500. Fuel, rent, government, wallet loads, EasyEMI, app-paid education and gaming earn none. Milestones: a ₹1,500 voucher for each calendar quarter with ₹1.5 lakh of spends, and a ₹5,000 SmartBuy flight voucher at ₹5 lakh a year plus another at ₹7.5 lakh. In the table, points are spend divided by 200, times 5 (times 25 at the 5X brands).

Monthly spend	Light ₹30,000	Typical ₹60,000	Heavy ₹1,20,000
Myntra, Nykaa and similar at 5X	₹4,000: 500 points	₹6,000: 750 points	₹10,000: 1,250 points
Grocery	₹8,000: 200 points	₹10,000: 250 points	₹15,000: 375 points
Other eligible spends	₹18,000: 450 points	₹44,000: 1,100 points	₹90,000: 2,250 points
Value at ₹0.65 a point	₹8,970	₹16,380	₹30,225
Milestone vouchers a year	None	₹11,000	₹16,000
Fee with GST	₹2,950	Waived	Waived

Light. 500 plus 200 plus 450 is 1,150 points a month, 13,800 a year, or ₹8,970 at ₹0.65. ₹3.6 lakh a year (₹30,000 times 12) misses ₹4 lakh, so the ₹2,950 fee stay: net ₹6,020. As cashback the same points are worth ₹2,070 (13,800 times 15 paise), less than the fee.

Typical. 750 plus 250 plus 1,100 is 2,100 points a month, 25,200 a year, ₹16,380. Quarters of ₹1.8 lakh (₹60,000 times 3) earn four ₹1,500 vouchers (₹6,000), and ₹7.2 lakh a year (₹60,000 times 12) gets one ₹5,000 flight voucher. Fee waived, total ₹27,380.

Heavy. ₹5,000 of the ₹1,20,000 is fuel and earns nothing. 1,250 plus 375 plus 2,250 is 3,875 points a month; the 5X bonus is just 1,000 of them (50 blocks times 20 extra), far below the 5,000 cap. That's 46,500 a year, ₹30,225, plus ₹6,000 of quarterly vouchers and both flight vouchers (₹1,20,000 times 12 is ₹14.4 lakh), so ₹46,225.

Regalia Gold: higher-reward categories

Category	Rate	Cap
Myntra, Nykaa, Reliance Digital, Marks & Spencer (online and in-store)	5X Reward Points	5X Reward points will be capped at 5000 RP per month across all brands combined. Base reward points continue with no capping., calendar month

Regalia Gold: how rewards work

Earned as	Reward Points
Base rate	5 Reward Points for every ₹200 spent on eligible retail spends (from 15 May 2026; earlier 4 Reward Points per ₹150)
Minimum spend rules	Minimum transaction value ₹200 for reward points (multiples of ₹200 from 15 May 2026)
No rewards on	Fuel Rent payments Government related transactions Wallet loads and gift or prepaid card loads (MCC 6540) EasyEMI transactions; points reversed if a purchase is converted to SmartEMI Education payments through third-party apps (from 1 Sep 2024) Online skill-based gaming (from 1 Jul 2025) Cash advances Payment of outstanding balance Card fees and charges
Lower rewards on	Grocery: capped at 2,000 RP per calendar month Insurance: capped at 2,000 RP per month Utility and telecom: each capped at 2,000 RP per calendar month (from 1 Sep 2024) UPI purchases: up to 500 RP in a calendar month (MITC, all cards)
Value of a point	Exclusive Gold Catalogue (SmartBuy): 1RP = ₹0.65 Global flights and hotels: 1RP = ₹0.5; up to 70% of a travel booking; max 50,000 RP a month Airmiles: 1RP = up to 0.5 miles; max 50,000 RP a month Vouchers and catalogue: 1RP = up to ₹0.35 Cashback against statement balance: 15 paise per point from 1 Nov 2025; max 50,000 RP a month
Redemption fee	₹99 + GST per catalogue redemption request; ₹50 + GST per cashback redemption request
Expiry	Reward points valid for 2 years from accumulation
Welcome benefits	Complimentary Swiggy One and MMT Black Gold memberships on spends of ₹1 lakh within the first 90 days
Milestone benefits	₹1,500 voucher (Marriott, Myntra, Marks & Spencer or Reliance Digital) on ₹1.5 lakh spends in a calendar quarter ₹5,000 SmartBuy flight voucher on ₹5 lakh annual spends, and another ₹5,000 on ₹7.5 lakh Renewal fee waiver on ₹4 lakh annual spends
Lounge access	Domestic: 3 complimentary domestic lounge visits per calendar quarter, by swiping the card International: Up to 6 visits per calendar year outside India via Priority Pass, for primary and add-on members Condition: Domestic: spends of ₹60,000 or more in the preceding calendar quarter (from the quarter starting 1 Jul 2026). Priority Pass is issued on request via phone banking after at least 4 transactions; visits beyond the free ones are charged.
Fuel surcharge waiver	Fuel surcharge waiver not applicable (MITC fee table); fuel earns no reward points
Insurance cover	Primary cardholder: air accident cover USD 125,000; emergency medical expenses abroad USD 18,750; card liability ₹9,00,000; credit shield ₹9,00,000; missed connection and flight delay USD 313 each (group policy 23 Jul 2026 to 22 Jul 2027)

Regalia Gold eligibility, documents and applying

HDFC sets the bar fairly high here. Salaried applicants should be 21 to 60 with gross monthly income above ₹1.5 lakh, or above ₹1 lakh for government employees. The self-employed need to be 21 to 65 and show an ITR above ₹18 lakh a year. Indian nationals only. The bank's FAQ word it as net monthly income while the eligibility section say gross, so if you are near the line, assume the stricter one.

HDFC does not publish a document list for this card; its general guidance asks identity, address and income proof, and existing customers may not need them. Apply online from the card page or at a branch. If HDFC says no, its FAQ suggests waiting six months before reapplying.

What the bank will weigh

Your income against the floor, and the limits you already hold elsewhere. The RBI's 2025 card Directions want a limit set only after counting other lenders' limits.
Your credit score. Experian treats above 750 as generally good, CRIF treats above 700 as good.
Your consent. HDFC can't issue the card, or upgrade an existing one to it, without your explicit consent.

A rejection must come with specific reasons in writing, and approval stays the bank's decision.

Regalia Gold: eligibility and documents

Age (salaried)	21 to 60 years
Age (self-employed)	21 to 65 years
Income (salaried)	Gross monthly income greater than ₹1.5 lakh (government employees: greater than ₹1 lakh)
Income (self-employed)	Income Tax Return (ITR) greater than ₹18 lakh per annum
Other conditions	Indian nationals. Approval at the bank's discretion, subject to documentation and verification. FAQ: re-apply after six months if rejected.
Documents	Identity proof, address proof and income proof (HDFC Bank general guidance; the card page's document list could not be read) Existing HDFC Bank customers may not need to submit them again
How to apply	Online at applyonline.hdfc.bank.in (Apply Now on each card page), or at an HDFC Bank branch; FD-backed Pixel cards can be applied for in the PayZapp app. HDFC's FAQ says a branch visit is not mandatory.
Card customer care	1800 1600 / 1800 2600 (toll-free in India); +91 22 6160 6161 from outside India

These are the bank's published conditions. Meeting them does not guarantee a card: approval and the credit limit are the bank's decision.

Regalia Gold compared with Sapphiro, Select and ELITE

These four sits in the same mid-premium band. Fees, point value and lounge conditions is where they split.

ICICI Bank Sapphiro

Sapphiro costs ₹6,500 to join and ₹3,500 a year after, GST extra, waived on ₹6 lakh. It earns 2 points per ₹100 in India and 4 abroad, but ICICI doesn't publish a point's value. Domestic lounges are 4 a quarter after ₹75,000 of spend in the quarter before, and forex is 3.5%.

Axis Bank Select

Select costs ₹3,000 plus GST and needs ₹8 lakh for a waiver. It gives 10 EDGE points per ₹200; Axis values its welcome points at ₹0.20 each, so that's ₹2 per ₹200, or 1%, with 2X on grocery up to ₹20,000 a month.

SBI Card ELITE

ELITE costs ₹4,999 plus GST, waived at ₹10 lakh. Base is 2 points per ₹100 at 25 paise each (0.5%), with 10 per ₹100 on dining and grocery up to 10,000 points a month. It lists 8 domestic and 6 Priority Pass visits a year with no spend condition, and 1.99% forex.

Which one to pick

Regalia Gold, for ₹4 lakh-plus spenders who redeem on the catalogue or flights.
Sapphiro, if international spends at 4 points per ₹100 matters most.
Select, for grocery-heavy families who can reach ₹8 lakh.
ELITE, for the lowest forex and lounges without a spend test.

Spending ₹10 lakh a year? Read the Infinia Metal review. The HDFC Bank cards hub covers the rest of the range, HDFC customer care lists the helplines, and our credit cards home covers other banks.

Regalia Gold against similar cards

Term	Regalia Gold Credit Card This card	INFINIA Metal Edition Credit Card	ICICI Bank Sapphiro Credit Card	Axis Bank Select Credit Card
Bank	HDFC Bank	HDFC Bank	ICICI Bank	Axis Bank
Joining fee	₹2,500 + GST	₹12,500 + GST	₹6,500 + GST	₹3,000 + GST
Annual fee and waiver	₹2,500 + GST. Retail spends of ₹4 lakh within 12 billing cycles of your anniversary year waive the next year's renewal fee	₹12,500 + GST. Spend ₹10 lakh or more in a year before the renewal date to get the renewal fee waived.	₹3,500 + GST. Spend over ₹6 lakh and get your Annual Fee waived off for the next year	₹3,000 + GST. Annual fee waived on spends of INR 8 lakh in the preceding card anniversary year; insurance, rent, fuel, education, utilities and telecom, government, wallet, gold and gift card spends (and EMI conversions, cash, reversals, fees) do not count. Nil fees for Burgundy account holders.
Base reward	5 Reward Points for every ₹200 spent on eligible retail spends	5 Reward Points for every ₹150 spent	2 reward points per ₹100 on domestic spend	10 EDGE REWARD Points per INR 200 spent (about 1% value)
Best category	Myntra, Nykaa, Reliance Digital, Marks & Spencer: 5X Reward Points	SmartBuy: Up to 10X Reward Points (limited-period programme governed by SmartBuy T&C)	International spend: 4 reward points per ₹100	Retail shopping: department stores, grocery stores, clothing and accessory stores: about 2% value
Lounges	Domestic: 3 complimentary domestic lounge visits per calendar quarter, by swiping the card International: Up to 6 visits per calendar year outside India via Priority Pass, for primary and add-on members	Domestic: Unlimited complimentary lounge access in India for primary and add-on cardholders International: Unlimited lounge access outside India through Priority Pass for primary and add-on cardholders	Domestic: 4 domestic airport lounge accesses per quarter (primary) on ₹75,000 spend in the preceding quarter (dual Mastercard and Amex holders: 2 per variant) International: 2 complimentary international lounge accesses a year via Priority Pass (primary)	Domestic: 2 complimentary visits per quarter at select domestic airport lounges (card must be swiped; Priority Pass not valid at Indian domestic lounges from 28 Aug 2026) International: Priority Pass membership with 6 complimentary international lounge visits per anniversary year, plus 6 more on INR 3 lakh spends in that year (up to 12)
Forex markup	2% of the amount	2% of the amount	3.5% of the amount	3.5% of the amount
Network	Not stated by the bank	Not stated by the bank	Mastercard, American Express, RuPay	Not stated by the bank
Published minimum income	₹1,50,000 a month	Not published by the bank	₹75,000 a month	₹50,000 a month
Status	Taking applications	Taking applications	Taking applications	Taking applications

Frequently asked questions

What is the Regalia Gold annual fee and how is it waived?

The joining and renewal fees are ₹2,500 each plus GST, which is ₹2,950 at 18%. The renewal fee is waived when retail spends reach ₹4 lakh within the 12 billing cycles of your anniversary year, roughly ₹33,334 a month. Add-on cards are free, and the first-year fee is billed on the 120th day after issue.

How much is a Regalia Gold reward point worth?

It depends on where you redeem. A point is worth ₹0.65 on the Exclusive Gold Catalogue, ₹0.50 on flights and hotels, up to ₹0.35 on vouchers, and 15 paise as cashback since 1 November 2025. At 5 points per ₹200, base spends return about 1.6% on the Gold Catalogue but only 0.375% as cashback.

Who is eligible for the HDFC Regalia Gold card?

Salaried applicants aged 21 to 60 need gross monthly income above ₹1.5 lakh, or above ₹1 lakh for government employees. For the self-employed the age band is 21 to 65 and the ITR must exceed ₹18 lakh a year. Only Indian nationals qualify, and approval is at the bank's discretion after documentation and verification.

What lounge access does Regalia Gold give in 2026?

From the quarter that started on 1 July 2026, you get 3 complimentary domestic lounge visits per calendar quarter if you spent ₹60,000 or more in the previous quarter. Outside India, Priority Pass gives up to 6 visits a calendar year for primary and add-on members, requested through phone banking after at least 4 transactions.

What changed on Regalia Gold on 15 May 2026?

Earning moved from 4 Reward Points per ₹150 to 5 per ₹200, which is slightly less per rupee spent. HDFC also added Boarding Edge, which lets you pick 2 of a spa, an Uber airport transfer, hotel dining or a room upgrade each quarter, and introduced a 1.75% markup on rupee payments abroad and a ₹199 reissue fee.

Does Regalia Gold give a fuel surcharge waiver?

No. HDFC's MITC marks the fuel surcharge waiver as not applicable for Regalia Gold, and fuel spends earn no Reward Points. A single fuel transaction above ₹15,000 also attracts HDFC's 1% fee, capped at ₹4,999. People who spend heavily on fuel may get more from a dedicated fuel card.

Sources

HDFC Bank: Part I Key Fact Statement cum Most Important Terms and Conditions (MITC), English, Version 4.18; Rewards Points Program Terms and Condition (Regalia Gold); Regalia Gold Credit Card Fees & Charges; Regalia Gold Credit Card Fees & Charges (FAQ); HDFC Bank Regalia Gold Key Features (microsite); Regalia Gold Credit Card (product page); Regalia Gold product feature changes (Boarding Edge, lounge, reward points, DCC, reissuance); HDFC Bank Ltd group insurance benefits, policy period 23 July 2026 to 22 July 2027 (HDFC ERGO); Regalia Gold Credit Card Eligibility; How to Get a Credit Card in 3 Easy Steps (HDFC Bank blog)

Last verified: 5 November 2026

Written by Pankaj Pandey, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.