HDFC Bank Regalia Gold is best for mid-level travellers who want lounge access. 5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital.
Effective value back per ₹100 spent. 5 reward points per ₹200 (changed from 4 per ₹150 in 2026); points valued at ₹0.50 on flights and hotels via SmartBuy.
Estimated yearly value after fees and caps for typical spending patterns.
| Balanced spender ₹3,96,000/yr spend | ₹1,550 |
|---|---|
| Online shopper ₹3,90,000/yr spend | ₹1,925 |
| Frequent traveller ₹8,04,000/yr spend | ₹16,918 |
| Family & groceries ₹5,88,000/yr spend | ₹11,600 |
12 domestic + 6 international visits a year; domestic access needs ₹60,000 quarterly spend
The HDFC Bank Regalia Gold credit card has a joining fee of ₹2,500 and an annual fee of ₹2,500, plus 18% GST. The annual fee is waived if you spend ₹4,00,000 or more in a card year.
The HDFC Bank Regalia Gold card is best for: mid-level travellers who want lounge access. Its main strengths are: 5x reward points on nykaa, myntra, marks & spencer and reliance digital; complimentary domestic and international lounge access. Its main drawback: reward rate and lounge access both tightened in 2026.
The HDFC Bank Regalia Gold card charges a 2% forex markup on international transactions, plus 18% GST on the markup.
Yes: 12 domestic + 6 international visits a year; domestic access needs ₹60,000 quarterly spend. Banks often attach spend conditions to lounge access, so check the latest terms.