HDFC Regalia Gold
HDFC Bank
Annual Fee
₹2,950
incl. 18% GST
Reward Rate
1.33% - 6.66%
Forex Markup
2.36%
Interest Rate
45%
Transfer Partners
11
Lounge Access
Domestic
12 complimentary visits per year within India
International
6 complimentary visits per year outside India via Priority Pass (primary + add-on combined)
Guest Policy
No complimentary guest access. Priority Pass in India will attract charges.
Airport Benefits
Rewards
Base Rate
4 Reward Points per ₹150 spent on retail
Accelerated
5X Reward Points on Marks & Spencer, Myntra, Nykaa & Reliance Digital. 5X on SmartBuy flights/hotels/vouchers.
Details
1 RP = ₹0.65 (Gold Catalogue), ₹0.50 (flights/hotels). ₹1,500 Myntra/Nykaa vouchers on ₹1.5L quarterly spend. 2% forex markup. Fuel waiver ₹400-₹5,000.
Other Benefits
24x7 exclusive Concierge Services via phone or email
Transfer Partners
Airmiles conversion
Airline - 1:0.5 ratio
AirAsia BIG
Airline - 2:1 ratio
Avios (British Airways/Qatar)
Airline - 2:1 ratio
Club Vistara
Airline - 2:1 ratio
Etihad Guest
Airline - 2:1 ratio
Flying Blue (Air France-KLM)
Airline - 2:1 ratio
KrisFlyer (Singapore Airlines)
Airline - 2:1 ratio
United MileagePlus
Airline - 2:1 ratio
Accor Live Limitless
Hotel - 2:0.5 ratio
IHG One Rewards
Hotel - 2:1 ratio
Marriott Bonvoy
Hotel - 2:1 ratio
Milestone Benefits
₹5,000 flight voucher
On annual spend of ₹5,00,000
Additional ₹5,000 flight voucher
On annual spend of ₹7,50,000
Swiggy One + MMT Black Elite on ₹1L spend in first 90 days
On annual spend of ₹1,00,000
Welcome Benefits
- Complimentary Swiggy One membership
- Complimentary MMT Black Gold membership
Fee Structure
Annual Fee
₹2,950
incl. 18% GST
Joining Fee
₹2,950
incl. 18% GST
Fee Waiver
Spend ₹4,00,000 per annum for renewal fee waiver