HDFC Regalia Gold
HDFC Bank
Annual Fee
₹2,950
incl. 18% GST
Reward Rate
1.33% - 13.33%
Forex Markup
2.36%
Interest Rate
43.2%
Transfer Partners
22
Lounge Access
Domestic
12 complimentary visits per calendar year within India for primary and add-on cardholders; no spend-based unlock condition currently.
International
6 complimentary visits per calendar year outside India via Priority Pass (primary + add-on combined).
Guest Policy
Guest access is paid. Priority Pass usage within India is chargeable even for this card.
Airport Benefits
Rewards
Base Rate
4 Reward Points per ₹150 spent (≈1.33% if redeemed at ₹0.50 per point)
Accelerated
10X on SmartBuy Hotels (40 RP/₹150), 5X on SmartBuy Flights (20 RP/₹150), 5X on Partner Brands (Nykaa, Myntra, M&S, Reliance Digital) with 5X bonus capped at 5,000 RP/month.
Details
1 RP = ₹0.50 (Flights/Hotels on SmartBuy), 1 RP = ₹0.65 (Exclusive Gold Catalogue). SmartBuy bonus points capped at 2,000 RP/day and 4,000 RP/month; flights/hotels and cashback redemptions each capped at 50,000 RP/month.
Other Benefits
Concierge
Transfer Partners
Milestone Benefits
₹1,500 brand voucher (Quarterly)
₹5,000 Flight/Hotel voucher
Additional ₹5,000 Flight/Hotel voucher
Welcome Benefits
- Swiggy One membership on spends of ₹1,00,000 within 90 days of card issuance (tenure as per current offer)
- MMTBLACK Gold / MMTBLACK Elite membership on spends of ₹1,00,000 within 90 days of card issuance (tier as per current offer)
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