INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️HDFC Bank Ltd.Network: Visa / MastercardTravel & Aviation CardsLast Verified: 2026-09-28

HDFC Regalia Gold Credit Card

एचडीएफसी रेगलिया गोल्ड क्रेडिट कार्ड

Flagship premium travel and lifestyle credit card with 12 domestic & 6 international lounge visits, 2.0% forex markup, and ₹10,000 in milestone flight vouchers.

Annual Fee₹2,500 + GST (Renewal: ₹2,500 + GST)

Reward Rate4 Reward Points per ₹150 spent on regular retail purchases. 5X Reward Points (20 points per ₹150) at Marks & Spencer, Myntra, Nykaa, and Reliance Digital.

Airport Lounge12 complimentary domestic airport lounge visits per calendar year (applicable at both domestic and international terminals within India). 6 complimentary international lounge visits per calendar year via Priority Pass for primary and add-on cardholders.

Forex MarkupLow 2.00% + GST markup on foreign currency transactions (significantly lower than 3.50% standard rate).

What Is This Card

HDFC Regalia Gold is the refreshed flagship premium travel and lifestyle credit card replacing the legacy Regalia. Engineered for affluent frequent flyers and corporate managers, it couples 12 domestic and 6 international lounge accesses with a low 2.00% forex markup and ₹10,000 in milestone flight vouchers.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹2,500 + GST (Renewal: ₹2,500 + GST)

Fee Waiver: Spend ₹4,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹2,500 waived.

🎁Welcome Benefit

Gift voucher worth ₹2,500 from Marks & Spencer, Myntra, Nykaa, or Reliance Digital, plus complimentary Club Vistara Silver Tier and MMTBLACK Gold membership upon spending ₹1 Lakh in 90 days.

⚡Reward Points Structure

4 Reward Points per ₹150 spent on regular retail purchases. 5X Reward Points (20 points per ₹150) at Marks & Spencer, Myntra, Nykaa, and Reliance Digital.

Redemption Value: 1 Reward Point = up to ₹0.50 for flight and hotel bookings via SmartBuy, or ₹0.35 on air miles conversion (Singapore Airlines KrisFlyer, British Airways Avios, Club Vistara).

🛫Airport & Railway Lounge Access

12 complimentary domestic airport lounge visits per calendar year (applicable at both domestic and international terminals within India). 6 complimentary international lounge visits per calendar year via Priority Pass for primary and add-on cardholders.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹1 Crore. Emergency overseas hospitalization cover up to ₹15 Lakhs. Credit shield cover up to ₹9 Lakhs.

Fuel Surcharge: 1% fuel surcharge waiver at all petrol pumps across India on transactions between ₹400 and ₹5,000 (maximum waiver of ₹450 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Flight voucher worth ₹5,000 on spending ₹5,00,000 in an anniversary year; an additional ₹5,000 flight voucher on spending ₹7,50,000 (up to ₹10,000 in flight vouchers annually).

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Annual fee waiver threshold is steep at ₹4 Lakhs. International lounge access beyond 6 visits incurs Priority Pass standard guest fee. Air miles transfer ratio is 1:0.5 to 1:0.35, requiring high spend volumes to accumulate award flights.

Forex Markup FeeLow 2.00% + GST markup on foreign currency transactions (significantly lower than 3.50% standard rate).

Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 3.60% monthly finance charge.

Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving credit balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points ExpiryReward points expire 3 years (36 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet loads, rent payments, government tax transactions, and educational institutional fees.

Eligibility Criteria

Salaried Indian nationals aged 21 to 60 years with minimum gross monthly income of ₹1,00,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹12,00,000.

Age Requirement21 to 60 Years

Minimum Income₹1,00,000/month (Salaried) / ₹12,00,000/year ITR (Self-Employed)

CIBIL Score NoteA pristine credit score of 760+ is strongly expected for unsecured approval.

SBI RelationshipNot mandatory. HDFC Preferred or Imperia banking customers receive priority processing.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit hdfcbank.com/regaliagold or check pre-approved card offers on HDFC NetBanking.

2Enter PAN and registered mobile number for eligibility verification.

3Complete digital application form with salary, employer, and residence details.

4Upload identity, residence, and income verification documents.

5Undertake scheduled Video KYC verification with HDFC credit underwriting desk.

6Card is generated virtually in PayZapp and physical metal-look card dispatched within 3 business days.

Branch Application for Offline Applicants

Submit physical application at any HDFC Bank branch along with PAN, Aadhaar, last 3 months' salary slips, and 6 months' bank statements.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with Form 16 (Salaried) OR Audited ITR acknowledgment for last 2 years (Self-Employed)

4. Passport-sized photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC Regalia Gold Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving credit balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on HDFC Regalia Gold Credit Card into EMI?

Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on HDFC Regalia Gold Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = up to ₹0.50 for flight and hotel bookings via SmartBuy, or ₹0.35 on air miles conversion (Singapore Airlines KrisFlyer, British Airways Avios, Club Vistara). Please note: Reward points expire 3 years (36 months) from the date of accrual.

What is the interest-free grace period on HDFC Regalia Gold Credit Card and how does it work?

The interest-free period on HDFC Regalia Gold Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving credit balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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