The HDFC Regalia Gold has a ₹2,500 annual fee (waived on ₹4 lakh annual spend), earns 5 reward points For Every ₹200 and charges a 2% forex markup.
| Annual fee | ₹2,500 |
|---|---|
| Joining fee | ₹2,500 |
| Annual fee waived | On ₹4 lakh annual spend |
| Base rewards | 5 reward points For Every ₹200 |
| Forex markup | 2% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
187 online offers across 85 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
These are HDFC Bank's own offers and Mastercard network offers, so they apply to every HDFC Bank Mastercard card, not just this one. All HDFC Bank offers by category.
More about the Hdfc Bank Regalia Gold Credit Card
Is the Hdfc Bank Regalia Gold Credit Card worth it in 2026?
The Hdfc Bank Regalia Gold Credit Card offers strong rewards like 5 Rewards Points for every Rs. 200 spent on groceries and insurance, plus 5X points at Reliance Digital, Marks & Spencer, and Myntra. With 3 domestic lounge visits and 6 international lounge accesses, it provides good value for frequent spenders and travelers despite the Rs. 2500 joining and renewal fees.
Who should get the Hdfc Bank Regalia Gold Credit Card?
This card is ideal for shoppers who frequently spend on groceries, insurance, and lifestyle brands like Reliance Digital, Marks & Spencer, and Myntra. It's also suited for travelers who can benefit from complimentary lounge access domestically and internationally. Users planning to spend Rs. 4,00,000 annually can waive the renewal fee.
How to maximise rewards on the Hdfc Bank Regalia Gold Credit Card?
To maximise rewards, focus your spending on groceries and insurance to earn 5 Rewards Points per Rs. 200. Also, shop at Reliance Digital, Marks & Spencer, and Myntra to earn 5X Reward Points. Meeting the Rs. 4,00,000 annual spend will waive the Rs. 2500 renewal fee, increasing overall value.
Is the Hdfc Bank Regalia Gold Credit Card good for international travel?
Yes, the card offers 6 complimentary lounge accesses outside India, enhancing travel comfort. Combined with 3 domestic lounge visits per quarter, it supports frequent travelers well. The rewards on insurance and lifestyle spends further add value during international trips.