HDFC Regalia Gold Credit Card (2026) Review

The HDFC Bank Regalia Gold Credit Card is a mid-premium Visa card that earns 4 reward points per ₹150 spent, with 5x points at Nykaa, Myntra, Marks & Spencer and Reliance Digital. Credsir rates it 3.1 out of 5 — best for mid-premium travel and lifestyle spending. It sits a step below the top of HDFC Bank’s card range.

At a glance

Joining fee	₹2,500
Annual fee	₹2,500 + GST
Fee waiver	Waived at ₹4,00,000 annual spend
Effective return	2.6%
Forex markup	2.00%
Lounge access	12 domestic · 6 international
Minimum income	₹12,00,000/yr
Minimum credit score	750+
Welcome benefit	Gift voucher worth ₹2,500

Our verdict

The natural step below Infinia. If you spend over ₹4 lakh a year the card is effectively free, and the 2% forex markup makes it a genuine travel card rather than a lifestyle one. If your spending is well above that threshold, the HDFC Bank Infinia is the card this one is measured against.

How we scored it

Credsir rating 3.1 out of 5: rewards 2.6, fees 4.5, perks 3.0, accessibility 2.9. Rewards carry 40% of the weight, perks 25%, fees 20% and accessibility 15%. The score is computed from the fields above, not assigned — the full formula is published on our methodology page.

What works, what does not

What works

2% forex markup, half the market standard.
Solid lounge allocation domestically and abroad.
Fee waived at ₹4 lakh spend, which is achievable.

What does not

Point value drops sharply outside SmartBuy redemptions.
Milestone benefits require sustained high spending.

The full cost

Charge	Amount
Joining fee	₹2,500
Annual fee	₹2,500
GST on annual fee (18%)	₹450
Total annual cost	₹2,950
Fee waiver threshold	₹4,00,000 annual spend
Forex markup	2.00% + GST on the markup
Fuel surcharge waiver	Yes, 1% (capped)
Finance charge if you revolve	Typically 3.5%/month — about 42% a year

Updated 15 Aug 2026 · hdfcbank.com

Worth knowing: the 18% GST on the annual fee is the number most comparisons quietly omit. A ₹2,500 card actually costs ₹2,950 a year. Factor that in before deciding whether the rewards clear the bar. And if you ever carry a balance, the finance charge dwarfs every reward on this page — our credit card EMI calculator shows what converting a purchase actually costs.

Is the fee worth it for you?

On a worked example of ₹6,00,000 of annual spend, the card earns ₹9,000 in rewards against an annual fee of ₹2,950 including 18% GST, for a net value of ₹8,550 in year one and an effective return on spend of 1.01%. The monthly spend needed to break even is ₹16,389.

How it compares

Card	Credsir rating	Effective return	Annual fee
Scapia Federal Bank Credit Card	3.9/5	3.0%	Nil
Axis Bank Atlas Credit Card	3.6/5	4.5%	₹5,000
HDFC Bank Regalia Gold Credit Card	3.1/5	2.6%	₹2,500
HDFC Bank Infinia Credit Card (Metal)	2.8/5	3.3%	₹12,500

Effective reward rate is our own blended estimate for a typical spend mix — not the accelerated rate an issuer advertises on one category. Annual fees are shown before the 18% GST that is charged on top. Verify current terms on the issuer’s site before applying; card terms change without notice.

Eligibility

Age	21–60 years (typical)
Income	₹12,00,000/yr
Credit score	750+
Documents	PAN, Aadhaar, income proof

The 750+ bar is the real gate here, so check where you stand and read what moves the number in our guide to the factors affecting a credit score before you apply.