← Part of HDFC Credit Cards in India
The HDFC Regalia Credit Card, a popular mid-premium offering, provides up to 50 days of interest-free credit and contactless payment for single transactions up to ₹5,000 in India. As of 2026, IT continues to offer a blend of reward points and travel benefits, with specific changes to lounge access and reward structures effective May and July 2026.
| Parameter | Details |
|---|---|
| Card Name | HDFC Regalia Credit Card |
| Card Type | Mid-Premium Travel Credit Card |
| Joining Fee | ₹2,500 + Applicable Taxes |
| Renewal Fee | ₹2,500 + Applicable Taxes (waived on spending ₹4 lakh within 12 billing cycles) |
| Interest-Free Credit Period | Up to 50 days |
| Contactless Payment Limit (India) | ₹5,000 per single transaction without PIN |
| Base Reward Points (Regalia) | 8 reward points for every ₹300 spent |
| Base Reward Points (Regalia Gold, effective May 15, 2026) | 5 reward points for every ₹200 spent across eligible categories |
| Reward Points Validity (Regalia Gold) | 2 years from the date of accrual |
| Domestic Lounge Access (Regalia) | 12 complimentary visits per calendar year via Regalia Visa Credit Card Lounge program |
| Domestic Lounge Access (Regalia Gold, effective July 2026) | 3 complimentary visits per calendar quarter on spends of ₹60,000 or more in the preceding calendar quarter |
| International Lounge Access (Regalia) | 6 complimentary visits per calendar year via Priority Pass (after 4 retail transactions) |
| International Lounge Access (Regalia Gold) | Up to 6 complimentary visits per calendar year via Priority Pass (primary and add-on member) |
| Foreign Currency Markup (Regalia Gold, effective May 15, 2026) | 2% on all foreign currency spends |
| DCC Markup (Regalia Gold, effective May 15, 2026) | 1.75% on international transactions in INR or transactions with foreign-registered merchants in India |
| HDFC ERGO Claim Period | 130 days from the date of loss |
The HDFC Regalia Gold Credit Card also includes exclusive benefits like complimentary Swiggy One and MMT Black Gold memberships, its value proposition for frequent spenders.
Regalia & Regalia Gold: Features
The HDFC Regalia and Regalia Gold credit cards offer distinct features tailored for different user needs. As of 2026, the Regalia Gold card introduces d reward points and new travel benefits, while the standard Regalia card maintains its established benefits like interest-free credit for up to 50 days.
Key features for both HDFC Regalia and Regalia Gold credit cards are detailed below:
| Feature | Regalia Credit Card | Regalia Gold Credit Card |
|---|---|---|
| Contactless Payments | Enabled for fast, convenient, and secure payments up to ₹5,000 without PIN. | Enabled for fast, convenient, and secure payments up to ₹5,000 without PIN. |
| Domestic Airport Lounge Access | 8 complimentary visits per calendar year (2 per quarter) on spending ₹1 Lakh or more in a calendar quarter. | 3 complimentary visits within India per calendar quarter on spends of ₹60,000 or more in the preceding calendar quarter (effective July 2026). |
| International Airport Lounge Access (Priority Pass) | 6 complimentary lounge access every calendar year at lounges outside India (after 4 retail transactions). | 6 complimentary international Priority Pass lounge visits (no spend condition attached). |
| Reward Points (Base Rate) | 8 reward points for every ₹300 spent. | 5 reward points for every ₹200 spent across eligible categories (effective May 15, 2026). |
| Accelerated Reward Points | Not applicable. | 5X reward points on select brands like Myntra, Marks and Spencer, Nykaa, and Reliance Digital. |
| Reward Redemption | Redeemable for flights and hotel bookings through SmartBuy. | Exclusive ‘Gold Catalogue’ with additional premium brands (Apple, Fitbit, Bose) for redemption; points can be redeemed for flights and hotel bookings through SmartBuy (within India, participating airlines/hotels). |
| Welcome Benefits | Not explicitly mentioned. | Complimentary Swiggy One and MMT Black Gold memberships, Club Vistara Silver Tier membership. |
| Travel Edge Program | Not available. | Complimentary service for all Regalia Gold holders (effective July 2026). Offers 2 benefits per quarter (Spa, Buffet, Hotel Room Upgrade, Airport transfer) by uploading boarding pass on SmartBuy. |
| Foreign Currency Markup | Not explicitly mentioned. | 2% on all foreign currency spends. DCC markup revised to 1.75% on international transactions in INR (effective May 15, 2026). |
| Milestone Benefits | Not explicitly mentioned. | Upgraded milestone benefit allowing consumers to get flight vouchers (details not fully specified). |
| Air Accidental Death Cover | ₹1 crore (if death occurs within 12 months of an air accident). | Not explicitly mentioned. |
| Overseas Emergency Hospitalization Cover | Up to ₹15 lakh (for primary cardholder during international travel). | Not explicitly mentioned. |
| Interest-Free Credit Period | Up to 50 days. | Not explicitly mentioned. |
| Reward Points Validity | Not explicitly mentioned. | 2 years from the date of accrual. |
The Regalia Gold card, with its updated features for 2026, focuses on d travel and lifestyle benefits, while the standard Regalia card continues to provide strong core credit card services and insurance coverage.
Fees & Charges (Regalia & Gold)
The HDFC Bank Regalia and Regalia Gold credit cards carry an annual fee of ₹2,500 plus applicable taxes, as of 2026. Both cards offer waivers on their renewal fees based on annual spending thresholds.
Dynamic Currency Conversion (DCC) markup for Regalia Gold will be 1.75% from May 15, 2026, for international transactions processed in Indian currency.
| Metric | Regalia Credit Card (₹) | Regalia Gold Credit Card (₹) | Effective Date |
|---|---|---|---|
| Joining Fee | 2,500 + Applicable Taxes | 2,500 + Applicable Taxes | Ongoing |
| Renewal Fee | 2,500 + Applicable Taxes | 2,500 + Applicable Taxes | Ongoing |
| Renewal Fee Waiver (Spend) | ₹3 lakh in previous year | ₹3 lakh in previous year | Ongoing |
| Foreign Currency Markup | 2% | 2% | Ongoing |
| Dynamic Currency Conversion (DCC) Markup | 1% | 1.75% | May 15, 2026 |
| Re-issuance Fee (Lost/Stolen/Damaged Card) | 199 | 199 | May 15, 2026 |
| Interest Rate (per month) | 3.49% | 3.49% | Ongoing |
| Cash Advance Fee | 2.5% of amount withdrawn (min ₹500) | 2.5% of amount withdrawn (min ₹500) | Ongoing |
| Late Payment Fee (up to ₹100) | Nil | Nil | Ongoing |
| Late Payment Fee (₹101 to ₹500) | ₹100 | ₹100 | Ongoing |
| Late Payment Fee (₹501 to ₹5,000) | ₹400 | ₹400 | Ongoing |
| Late Payment Fee (₹5,001 to ₹10,000) | ₹500 | ₹500 | Ongoing |
| Late Payment Fee (₹10,001 to ₹25,000) | ₹750 | ₹750 | Ongoing |
| Late Payment Fee (₹25,001 to ₹50,000) | ₹950 | ₹950 | Ongoing |
| Late Payment Fee (Over ₹50,000) | ₹1,300 | ₹1,300 | Ongoing |
| Overlimit Fee | 2.5% of overlimit amount (min ₹500) | 2.5% of overlimit amount (min ₹500) | Ongoing |
| Card Replacement Fee | ₹100 | ₹100 | Ongoing |
| Charge Slip Retrieval Fee | ₹100 | ₹100 | Ongoing |
| Outstation Cheque Processing Fee | ₹100 | ₹100 | Ongoing |
| Fuel Surcharge Waiver | 1% (on transactions between ₹400 and ₹5,000, max ₹500/statement) | 1% (on transactions between ₹400 and ₹5,000, max ₹500/statement) | Ongoing |
The fees for both Regalia and Regalia Gold cards are largely similar, with key differences in foreign currency markup and specific lounge access conditions.
Reward Points & Redemption
The HDFC Bank Regalia Gold Credit Card offers 5 reward points for every ₹200 spent across eligible categories, effective May 15, 2026. These reward points remain valid for two years from their accrual date. The HDFC Regalia Credit Card provides 8 reward points for every ₹300 spent.
- Base Reward Rate: The Regalia Gold Credit Card earns 5 reward points for every ₹200 spent on most categories, as updated from May 15, 2026. The standard HDFC Regalia Credit Card offers 8 reward points for every ₹300 spent.
- Accelerated Rewards: Regalia Gold offers 5X reward points on specific brands, value for targeted spending. This allows for faster accumulation of points on partner merchants.
- Reward Point Value: Each reward point on the Regalia Gold card is typically valued at ₹0.50 for travel and hotel bookings via the SmartBuy portal. This translates to a 6.67% reward rate as of 2026 for specific redemptions.
- Redemption Options: Reward points from both Regalia and Regalia Gold cards can be redeemed for flights, hotel stays, and products on the HDFC Bank SmartBuy portal. Points can also be converted to Airmiles with partner airlines.
- Point Validity: Reward points earned on the HDFC Regalia Gold Credit Card are valid for two years from the date they are accrued. Cardholders should redeem points within this period to avoid expiration.
- Milestone Benefits (Regalia First): The Regalia First Card offers 7,500 bonus Reward Points annually upon achieving specific spending milestones. An additional 2,500 bonus points are awarded for higher annual spends.
- Fuel Surcharge Waiver: Both Regalia and Regalia Gold cards offer a 1% fuel surcharge waiver at fuel stations across India. This waiver applies to transactions within specified limits.
- Foreign Currency Spends: The HDFC Regalia Gold Credit Card applies a 2% foreign currency markup on all international transactions. This is lower than the general forex markup of 3.5% charged by many other cards.
Understanding the reward structure and redemption options helps cardholders maximize the benefits from their HDFC Regalia or Regalia Gold Credit Card.
Lounge Access & Travel Benefits
The HDFC Regalia Credit Card offers extensive travel benefits, including complimentary airport lounge access and full insurance covers. Cardholders can access up to 12 domestic airport lounges annually through the Regalia Visa Credit Card Lounge program. For international travel, the card provides 6 complimentary Priority Pass lounge visits per calendar year for the primary and add-on cardholders.
- Domestic Lounge Access: The HDFC Regalia Credit Card provides 12 complimentary domestic airport lounge visits per calendar year. This access is helpd through the Regalia Visa Credit Card Lounge program.
- International Lounge Access (Priority Pass): Cardholders receive 6 complimentary international lounge visits annually via Priority Pass membership. This benefit applies to both primary and add-on card members after completing a minimum of 4 retail transactions on the card.
- Air Accidental Death Cover: The card includes an air accidental death cover of ₹1 crore. This benefit is applicable if the cardholder sustains a bodily injury leading to death within 12 months of an air accident.
- Overseas Emergency Hospitalization: An overseas emergency hospitalization cover of up to ₹15 lakh is provided. This covers medical expenses for injuries or unexpected illnesses during international travel outside India for the primary cardholder.
- Travel Concierge Services: HDFC Regalia Credit Card offers a 24/7 travel concierge assistance service. This service helps cardholders customize their travel experiences.
- Regalia Gold Domestic Lounge Update (July 2026): Effective July 1, 2026, HDFC Regalia Gold cardholders will receive 3 domestic lounge visits per calendar quarter. This is conditional on spending ₹60,000 or more in the preceding calendar quarter.
- Regalia Gold International Lounge Access: HDFC Regalia Gold cardholders also receive up to six complimentary international lounge visits annually. This benefit is available for both primary and add-on members.
These travel benefits make the HDFC Regalia Credit Card a strong option for frequent travelers seeking comfort and security.
Regalia vs Regalia Gold: Comparison
The HDFC Regalia and Regalia Gold credit cards share the same annual fee of ₹2,500 + taxes, but differ significantly in their reward structures and lounge access benefits as of 2026. Regalia Gold introduces a spend-based hurdle for domestic lounge access and offers d accelerated reward points on specific brands.
HDFC Bank revised several benefits for the Regalia Gold card effective May 15, 2026, including changes to base reward points and DCC markup, while some lounge access rules changed from July 1, 2026.
| Feature | HDFC Regalia | HDFC Regalia Gold | Key Differentiator |
|---|---|---|---|
| Joining/Renewal Fee | ₹2,500 + taxes | ₹2,500 + taxes | Same for both cards. |
| Domestic Lounge Access | 8 complimentary visits per calendar year (2 per quarter) on spending ₹1 Lakh or more in a calendar quarter (effective 2026) | 3 complimentary visits per calendar quarter on spends of ₹60,000 or more in the preceding calendar quarter (effective July 2026) | Regalia Gold has a lower spend hurdle for domestic lounge access and more visits per quarter (3 vs 2). |
| International Lounge Access (Priority Pass) | 6 complimentary visits per calendar year (after 4 retail transactions) | 6 complimentary visits per calendar year (no spend condition attached) | Regalia Gold offers unconditional international lounge access, while Regalia requires prior transactions. |
| Reward Points (Base) | 5 Reward Points for every ₹150 spent | 5 Reward Points for every ₹200 spent (effective May 15, 2026) | Regalia offers a better base reward rate on lower spend value. |
| Accelerated Reward Points | Identical SmartBuy reward benefits | 5X reward points on select brands (Myntra, Marks and Spencer, Nykaa, Reliance Digital) and 5X on travel, dining, and online spends through SmartBuy and partner merchants (translates to ~3.3% back when redeemed via SmartBuy for flights/hotels) | Regalia Gold offers significantly higher accelerated reward points on specific categories and through SmartBuy’s ‘Gold Catalogue’. |
| Exclusive Memberships/Benefits | N/A | Complimentary Swiggy One and MMT Black Gold memberships (Welcome benefits), Club Vistara Silver Tier Membership, Boarding Edge Program (Complimentary Spa, Buffet, Hotel Room Upgrade, Airport transfer – any 2 every calendar quarter) | Regalia Gold provides exclusive premium memberships and the ‘Boarding Edge’ program. |
| Foreign Currency Markup | 2% | 2% on all foreign currency spends | Same markup fee for both cards. |
| DCC Markup | Not specified | 1.75% on each international transaction carried out in Indian currency (Rs) at an international location, or transactions carried out in rupees with merchants located in India but registered in a foreign nation (effective May 15, 2026) | Regalia Gold has a specified DCC markup. |
While both cards cater to premium users, the HDFC Regalia Gold card provides more exclusive lifestyle benefits and higher accelerated rewards, albeit with a slightly lower base reward rate on general spending as of May 2026.
Eligibility & Application Process
The HDFC Regalia Credit Card requires applicants to be Indian citizens, aged between 21 and 60 years for salaried individuals, and up to 65 years for self-employed applicants. As of 2026, a net monthly income of ₹1 lakh for government employees or ₹1.5 lakh for non-government employees is typically required for the Regalia Gold variant.
The application process for the HDFC Regalia Credit Card is straightforward, often involving pre-approved offers for existing HDFC Bank customers.
- Age Criteria: Salaried applicants must be 21-60 years old, while self-employed individuals can apply up to 65 years of age.
- Income Requirements: Salaried individuals need a minimum net monthly income of ₹1 lakh (government) or ₹1.5 lakh (non-government). Self-employed applicants generally require an annual ITR of ₹12 lakh or more.
- Nationality: Only Indian nationals or citizens are eligible to apply for the HDFC Regalia Credit Card.
- Required Documents: Applicants must provide identity proof, address proof, and income documents (salary slips, bank statements, or ITR filings).
- Application Submission: Applications can be submitted online via the HDFC Bank website or offline at a branch, often with pre-approved offers for existing bank customers.
- Rejection & Reapplication: Applications may be rejected for not meeting income criteria, an unsatisfactory credit score, or incomplete details. Reapplication is typically allowed after six months.
Meeting these criteria and providing accurate documentation helps ensure a smooth application for the HDFC Regalia Credit Card.
Important Updates & Changes 2026
HDFC Bank has implemented significant revisions to the Regalia Gold Credit Card, with key changes effective from May 15, 2026, and July 1, 2026. These updates impact reward points, lounge access, and introduce new fees, requiring cardholders to adjust their spending habits to maximize benefits.
- Reward Point Accrual: From May 15, 2026, the HDFC Bank Regalia Gold Credit Card will accrue 5 reward points for every ₹200 spent across eligible categories (Source: HDFC Bank). This is a change from previous reward structures.
- Dynamic Currency Conversion (DCC) Markup: Effective May 15, 2026, a 1.75% DCC markup will apply to international transactions processed in Indian currency. This also includes transactions in rupees with merchants located in India but registered abroad.
- Domestic Lounge Access Criteria: Starting July 1, 2026, Regalia Gold cardholders will receive 3 complimentary domestic lounge visits per calendar quarter. This benefit requires a minimum spend of ₹60,000 in the preceding calendar quarter.
- Re-issuance Fee: The re-issuance fee for a lost, stolen, or damaged HDFC Bank Regalia Gold Credit Card is ₹199. This fee covers processing and dispatch.
- Foreign Currency Markup: The foreign currency markup remains at 2% on all international spends for the HDFC Bank Regalia Gold Credit Card. This is lower than the general market average of 3.5% or more.
- Regalia Credit Card Lounge Access: The standard HDFC Regalia Credit Card continues to offer 8 complimentary domestic airport lounge visits per calendar year, with 2 per quarter on spending ₹1 lakh or more in the preceding quarter.
Cardholders should review these changes to understand their impact on overall card value and benefit utilization for 2026.
Key Takeaways
- HDFC Regalia Gold’s base reward points change to 5 points per ₹200 spent from May 15, 2026.
- Domestic lounge access for Regalia Gold now requires a ₹60,000 quarterly spend, effective July 1, 2026.
- A new 1.75% DCC markup applies to specific international transactions from May 15, 2026.
Verify the latest terms and apply for the HDFC Regalia Credit Card or Regalia Gold Credit Card on the official HDFC Bank website.
Frequently Asked Questions (FAQs)
What are the key benefits of the HDFC Regalia Gold Credit Card in 2026?
The HDFC Regalia Gold Credit Card offers complimentary Swiggy One and MMT Black Gold memberships, 5X reward points on select brands, and airport lounge access. Cardholders also receive 3 domestic lounge visits per calendar quarter on spends of ₹60,000 or more in the preceding quarter.
What are the joining and renewal fees for the HDFC Regalia Gold Credit Card in 2026?
The joining fee for the HDFC Regalia Gold Credit Card is ₹2,500 plus applicable taxes. The renewal charge is also ₹2,500 plus applicable taxes, as of 2026.
What is the foreign currency markup fee for the HDFC Regalia Gold Credit Card?
The foreign currency markup for the HDFC Regalia Gold Credit Card is 2% on all international transactions. This is a competitive rate for premium credit cards in India.
What are the eligibility criteria for the HDFC Regalia Gold Credit Card in 2026?
Applicants must be Indian citizens, aged between 21 and 60 years. Salaried non-government employees need a net monthly income above ₹1,50,000, while government employees require a net monthly income above ₹1,00,000.
Does the HDFC Regalia Gold Credit Card offer contactless payment options?
Yes, the HDFC Regalia Gold Credit Card is enabled for contactless payments. In India, transactions up to ₹5,000 can be completed without entering a PIN.
How can I claim emergency medical expenses with my HDFC Regalia Credit Card?
HDFC Bank Regalia Credit Cardholders can raise claims directly with HDFC ERGO within 130 days from the date of loss. You can contact HDFC Ergo via their international toll-free number +800 08250825 or the chargeable number 01204507250.
What changes were made to the HDFC Regalia Gold Credit Card benefits in 2026?
Effective May 15, 2026, HDFC Bank revised some benefits for the Regalia Gold Credit Card, including changes to lounge access and reward point structures. Specific details should be verified on the HDFC Bank website for the most current information.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.