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TravelLounge accessReward points
HDFC Bank · Visa

HDFC Bank Regalia Gold Credit Card

4 reward points per ₹150, with 5x on Nykaa, Myntra, Marks & Spencer and Reliance Digital

3.1/5
Best for mid-premium travel and lifestyle spending
At a glance
Joining fee
₹2,500
Annual fee
₹2,500 + GST
Fee waived at
₹4,00,000 annual spend
Effective return
2.6%
Forex markup
2.00%
Lounge access
12 domestic · 6 international
Min. income
₹12,00,000/yr
Min. credit score
750+
Check your eligibility

On HDFC Bank’s secure site. Checking eligibility is a soft enquiry.

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.

How we scored it

Credsir rating
3.1/5
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. See the full method 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

ChargeAmount
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 markup2.00% + GST on the markup
Fuel surcharge waiverYes, 1% (capped)
Finance charge if you revolveTypically 3.5%/month — about 42% a year

Data as of 15 Aug 2026Source: hdfcbank.comPending issuer verification

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.

Is the fee worth it for you?

Put in your actual spending. The calculator works out the net value after the fee and its GST — the number that decides whether this card pays you or costs you.

₹1,000₹50,000₹50 L
01.5%15
₹0₹2,500₹1 L
₹0₹2,500₹5 L
₹0₹0₹2 L
Net value per year (ongoing)
₹6,050
  • Rewards + perks75%
  • Fee25%
Annual spend
₹6,00,000
Rewards earned
₹9,000
Annual fee incl. 18% GST
₹2,950
Net value in year 1
₹8,550
Effective return on spend
1.01%
Monthly spend to break even
₹16,389

What this means.A genuine 1.01% return. Remember the GST on the annual fee — most comparisons forget it, and it is 18% on top of the sticker fee.

Compare with

Worth knowing.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.