HDFC Regalia Gold Credit Card Review: Premium Benefits

By Bikash

HDFC Regalia Gold Credit Card Review: Your Ticket to Luxury and Rewards

Having the appropriate credit card may make a huge impact in the constantly changing world of money. The HDFC Regalia Gold Credit Card is one card that stands out from the rest. You’ve come to the correct spot if you’re looking for a premium credit card with a wide range of features. We’ll examine the characteristics, advantages, and disadvantages of this in-depth HDFC Regalia Gold Credit Card Review.

Regalia Gold Credit Card Benefits

Complimentary Memberships Await

As soon as you become a proud owner of the HDFC Regalia Gold Credit Card, you’ll receive a warm welcome in the form of complimentary Club Vistara Silver Tier and MMT Black Elite memberships. This is just the beginning of the perks that come with this card.

Earn Rewards While You Spend

Earning rewards has never been easier. With 5X Reward Points on spending at select merchants like Marks & Spencer, Myntra, Nykaa, and Reliance Digital, your everyday shopping turns into a rewarding experience.

Lounge Access, Wherever You Go

Travel in style with complimentary lounge access at over 1,000 airports. Whether you’re flying domestic or international, you’ll enjoy the luxury of airport lounges, making your journey more comfortable and enjoyable.

Additional Features for Peace of Mind

Nobody likes the idea of losing their credit card, but with the HDFC Regalia Gold Credit Card, you have zero liability on any fraudulent transactions if you report the loss immediately. Plus, the card comes with a foreign currency markup of just 2% on all your foreign currency spends, making it a great companion for international travel.

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Concierge Services at Your Fingertips

Imagine having a personal assistant available 24/7. With this credit card, you can enjoy exclusive 24/7 Concierge Services. Just dial the toll-free number or drop an email to [email protected], and your requests will be handled with care.

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Lounge Access, Near and Far

A. Complimentary Airport Lounge Access within India

Your domestic and international travel experience gets a significant upgrade with 12 complimentary lounge accesses each year within India. All you need to do is swipe your HDFC Bank Regalia Gold Credit Card at the lounge entrance.

B. Priority Pass for Global Travelers

For those who frequently travel abroad, the Priority Pass is your ticket to luxury. You and your add-on member can enjoy up to 6 complimentary lounge accesses per calendar year outside India. To qualify, complete a minimum of 4 retail transactions on your card.

Welcome Benefits That Truly Welcome You

As a new cardholder, you can pay your joining membership fee and receive a Gift Voucher equivalent to the fee amount, which is Rs. 2,500. But the generosity doesn’t stop there. Spend Rs. 1 lakh and above within 90 days of card issuance to enjoy complimentary Club Vistara Silver Tier and MMT Black Elite Memberships.

Good Food Trail Program

Dining out just got better with the Good Food Trail program. Get up to 20% savings on all your restaurant bill payments via Swiggy Dineout at over 20,000 restaurants. This offer is inclusive of restaurant and Swiggy discounts and is valid only on payments made through the Swiggy App.

Milestone Benefits That Keep Adding Up

The more you spend, the more you earn. Here’s how the milestone benefits work:

  • Spend Rs. 1.5 lakhs in every calendar quarter and get vouchers worth Rs. 1,500 from Marriott, Myntra, Marks & Spencer, or Reliance Digital.
  • Reach an annual spend of Rs. 5 lakhs and get flight vouchers worth Rs. 5,000.
  • Go even further and spend Rs. 7.5 lakhs in an anniversary year to earn an additional Rs. 5,000 worth of flight vouchers.

Annual Spend-Based Benefit

Spend Rs. 4 lakhs in an anniversary year (12 billing cycles), and you’ll have the renewal fee waived for the next renewal year.

Smart EMI for Smart Shoppers

With the HDFC Bank Regalia Gold Credit Card, you have the option to convert your big purchases into EMI after making the purchase. This feature adds flexibility to your spending.

Contactless Payment for Speed and Security

This credit card is enabled for contactless payments, making your transactions fast, convenient, and secure. Look for the contactless network symbol on your card, and you’re ready to go.

Insurance and Comprehensive Protection

Your safety is a priority. The HDFC Regalia Gold Credit Card offers:

  • Accidental air death cover worth Rs. 1 Crore
  • Emergency overseas hospitalization coverage of up to Rs. 15 lakhs
  • Credit Liability cover up to Rs. 9 lakhs

Reward Points and CashBack Redemption

Earning and redeeming reward points is a breeze:

  • Earn 4 Reward Points on every Rs. 150 retail* spend, including Insurance, Utilities, and Education.
  • Get a whopping 20 Reward Points on every Rs. 150 retail* spend at Marks & Spencer, Myntra, Reliance Digital, and Nykaa.

Redeem your reward points for exclusive gold catalogue items, flights, hotel bookings, products, and vouchers. The choice is yours.

Regalia Gold Credit Card Annual Fee

While the HDFC Regalia Gold Credit Card offers a treasure trove of benefits, it’s important to note that it comes with an annual fee of Rs. 2,500 plus taxes.

Regalia Gold Credit Card Pros and Cons


  • High reward rates
  • Complimentary Club Vistara Silver Tier and MMT Black Elite memberships
  • 12 complimentary airport lounge accesses per year
  • Milestone benefits for high spenders
  • Contactless payment enabled for convenience
  • Robust insurance coverage for peace of mind


  • Annual fee is on the higher side
  • Limited options for redeeming reward points

Regalia Gold Credit Card Eligibility

To be eligible for the HDFC Regalia Gold Credit Card:

  • For salaried Indian nationals, the minimum age is 21 years, and the maximum age is 60 years. The net monthly income should be greater than Rs. 1,00,000.
  • For self-employed Indian nationals, the minimum age is 21 years, and the maximum age is 65 years. The annual income should be greater than Rs. 12 lakhs.

Final Thoughts

The HDFC Regalia Gold Credit Card is a premium credit card that offers a wide array of benefits, making it an attractive option for high-income individuals who value luxury, convenience, and rewards. However, the annual fee is a factor to consider before making the decision to apply for this card. Weigh the pros and cons carefully, and if the benefits align with your lifestyle, it could be the perfect card for you.

FAQs of Regalia Gold Credit Card Review

What is HDFC Regalia Gold Credit Card?

HDFC Regalia Gold Credit Card is a premium credit card that offers exclusive benefits, including lounge access and reward points.

How can I apply for this card?

You can apply for the card through HDFC Bank’s official website or by visiting a branch.

What are the annual fees?

The annual fee for HDFC Regalia Gold Credit Card is Rs. 2,500 plus taxes.

Can I redeem reward points for flights?

Yes, you can redeem your reward points for flights, among other options.

Is this card suitable for frequent travelers?

Yes, it’s an excellent choice for frequent travelers due to its lounge access and travel benefits.

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By Bikash
Hello! I'm Bikash, a skilled Web Developer and Blogger with more than 5 years of experience in the digital marketing fields. My passion is Share my Own Experience by Blogging and creating unique, approachable websites that create a lasting impact. My love of both technology and creativity encourages me to keep up with the most recent developments and industry best practices.
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