M16S / HDFC Bank / HDFC Regalia Gold Credit Card
premium · rewards, travel
HDFC Regalia Gold Credit Card
The HDFC Regalia Gold Credit Card costs Rs 2,500 a year, waived if you spend Rs 4,00,000 in a year. Its base return is 1.25%. The forex markup is 2%. Lounge visits in India: 12 per year in India: 3 per calendar quarter, spend-based. Abroad: 6 per calendar year outside India via Priority Pass. Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Rs 2,500+ GST
- Fee waived at
- Rs 4,00,000annual spend
- Base return
- 1.25%
- Forex markup
- 2%
- Interest
- 3.75%a month
What changed on this card
- HDFC Regalia Gold ties domestic lounge visits to Rs 60,000 quarterly spend, Jul 2026
From the quarter starting 1 July 2026, 3 domestic lounge visits per calendar quarter need spends of Rs 60,000 or more in the preceding calendar quarter. 6 international Priority Pass visits a year continue. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Regalia Gold earns 5 points per Rs 200 from May 2026
Regalia Gold earns 5 Reward Points for every Rs 200 spent on eligible categories from 15 May 2026. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Regalia Gold adds Boarding Edge travel benefits, May 2026
Cardholders pick 2 benefits every calendar quarter by uploading a boarding pass on SmartBuy: spa access, Uber airport transfers, hotel dining or hotel room upgrades. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank adds 1.75% markup on INR spends at overseas merchants, May 2026
From 15 May 2026, a markup fee of 1.75% applies on all transactions in Indian currency at an international location, or at merchants located in India but registered overseas. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Regalia and Regalia Gold set statement-credit redemption at 15 paise a point, Nov 2025
From 1 November 2025, redeeming Reward Points as cashback against the statement balance is valued at 15 paise per point on Regalia and Regalia Gold. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank adds 1% fee on wallet loads and gaming above Rs 10,000, Jul 2025
A 1% fee applies on wallet loading (excluding PayZapp) and on online skill-based gaming spends above Rs 10,000 in a calendar month. Each fee is capped at Rs 4,999 per month. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank stops rewards on online skill-based gaming from Jul 2025
Online skill-based gaming transactions no longer earn Reward Points or CashPoints on any HDFC Bank credit card from 1 July 2025. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank charges 1% on rent payments, capped at Rs 4,999, from Jul 2025
A 1% fee on the transaction amount applies on rental transactions on any applicable merchant. The fee is capped at Rs 4,999 per transaction. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank caps insurance reward points per month from Jul 2025
Reward Points on insurance transactions are capped at 10,000 a month for Infinia and Infinia (Metal Edition), 5,000 a month for Diners Black Metal Edition and Diners Black, and 2,000 a month for all other credit cards. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank caps utility and telecom reward points at 2,000 a month, Sep 2024
Reward Points on utility transactions (MCC 4900) and on telecom and cable transactions (MCC 4812, 4814, 4899) are each capped at 2,000 Reward Points per calendar month. Product-level caps continue on Millennia, Swiggy and some other cards. Source: HDFC Bank, v.hdfcbank.com, read 28 Oct 2026
- HDFC Bank stops reward points on education payments via apps, Sep 2024
Education payments made through third-party apps like CRED, Cheq and MobiKwik no longer earn Reward Points on consumer cards. Payments made directly on college or school websites or their POS machines still earn points. Source: HDFC Bank, v.hdfcbank.com, read 28 Oct 2026
- HDFC Bank sets late payment fee slabs on credit cards from Aug 2024
Late payment charges by statement amount: nil up to Rs 100, Rs 100 for Rs 101 to 500, Rs 500 for Rs 501 to 1,000, Rs 600 for Rs 1,001 to 5,000, Rs 750 for Rs 5,001 to 10,000, Rs 900 for Rs 10,001 to 25,000, Rs 1,100 for Rs 25,001 to 50,000 and Rs 1,300 above Rs 50,000. Infinia (Metal Edition) is excluded. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 2,500 |
|---|---|
| Annual fee | Rs 2,500 |
| Annual spend that waives the fee | Rs 4,00,000 |
| Fee notes | Joining/renewal fee Rs 2,500 + taxes; renewal fee waived on Rs 4 lakh annual spend (HDFC page and MITC). |
Rewards
| Welcome benefit | Swiggy One and MMT Black Gold memberships on Rs 1 lakh spend in the first 90 days; page FAQ also cites a Rs 2,500 gift voucher against the fee paid |
|---|---|
| Reward currency | Reward Points |
| Base earn | 5 RP per Rs 200 on retail spends (HDFC page, Reward Benefits section) |
| Base return | 1.25% |
| Point value | 1 RP = Rs 0.65 Gold catalogue; Rs 0.50 flights/hotels on SmartBuy; up to 0.5 airmile; up to Rs 0.35 products/vouchers; statement credit up to Rs 0.15 (page redemption table and MITC; another block of the same page still shows Rs 0.20) |
| Accelerated earn | 5X Reward Points at Myntra, Nykaa, Reliance Digital 'and more' (page gives no RP figure); SmartBuy: up to 10X on hotels and flights, 5X on instant vouchers, up to 10X on select brands |
| Capsunverified | Max 50,000 RP per statement cycle (page); flight/hotel redemption capped at 50,000 RP/month and 70% of booking value (page); cashback redemption capped at 50,000 RP/month (page); grocery 2,000, utility 2,000, telecom 2,000, insurance 2,000 RP/month (MITC); 5X brand bonus capped at 5,000 RP per month (aggregator, not on page) |
| Spends that earn nothing | No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel |
| Points expiry | 2 years |
| Milestone benefits | Rs 1,500 Myntra/Nykaa voucher on Rs 1.5 lakh spend per quarter; Rs 5,000 flight voucher at Rs 5 lakh and another Rs 5,000 at Rs 7.5 lakh annual spend. Unlocked benefits must be claimed within 60 days. |
| Reward notes | Redemption fee Rs 99 + GST per catalogue request, Rs 50 + GST for cashback (MITC). Base return recomputed from the issuer page: 5 RP/200 x Rs 0.50 (SmartBuy flights/hotels) = 1.25%. The page's savings-calculator blurb still says '4RPs on daily and retail spends', so the page is not fully consistent. A product-feature-change PDF effective 15 May 2026 is linked on the page but was not read. |
Transfers
| Partnersunverified | Singapore KrisFlyer, Air France-KLM Flying Blue, Finnair Plus, Vietnam Lotusmiles, United MileagePlus, Turkish Miles&Smiles, Avianca LifeMiles, Air India Maharaja Club, British Airways Avios, Qatar Airways Privilege Club, Cathay Asia Miles, Air Canada Aeroplan, Etihad Guest, Thai Royal Orchid Plus, SpiceClub, AirAsia Rewards, Accor ALL, Club ITC, Wyndham Rewards, IHG One Rewards, Marriott Bonvoy, Radisson Rewards |
|---|---|
| Ratio | 2:1 to KrisFlyer, Flying Blue, Finnair, Vietnam Lotusmiles, SpiceClub, AirAsia, Wyndham, IHG, Radisson, Accor, Club ITC, United, Turkish, LifeMiles; 3:1 to Air India (confirmed on Air India's page), Avios, Qatar, Asia Miles, Aeroplan, Etihad, Thai, Marriott (enthusiast guide dated Jun-Sep 2026). Min 1,000 points; capped at 50,000 points/month on SmartBuy (HDFC terms). |
Travel and perks
| Domestic lounge | 12 per year in India: 3 per calendar quarter, spend-based |
|---|---|
| International lounge | 6 per calendar year outside India via Priority Pass |
| Lounge conditions | Domestic: Rs 60,000 or more spend in the preceding calendar quarter unlocks 3 visits (HDFC page). Priority Pass issued on request after 4 retail transactions; extra visits and Priority Pass use inside India charged USD 27 + GST (MITC). |
| Forex markup | 2% |
| Fuel surcharge waiver | Not applicable (MITC) |
| Other freebies | Boarding Edge Program: any 2 per calendar quarter of spa, buffet, hotel room upgrade, airport transfer by uploading a boarding pass on SmartBuy; air accident cover Rs 1 crore, overseas hospitalisation Rs 15 lakh, credit liability Rs 9 lakh; up to 10% off via Swiggy Dineout; Rs 1,000 PayZapp cashback offer; 24x7 concierge (not on current page) |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC) |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Salaried: age 21-60, net monthly income above Rs 1,00,000 (government) or Rs 1,50,000 (non-government); self-employed: age 21-65, ITR above Rs 18 lakh a year |
| Fine-print notes | Lounge visits now depend on previous-quarter spend. Issuer product page read 2026-10-12. Conflicts (issuer page used): base_earn: old '4 RP per Rs 150' (older HDFC AMP page) vs page '5 RP per Rs 200'; base_return_pct 1.33 -> 1.25 | eligibility: old 'salaried Rs 1 lakh/month' (cardinsider) vs page Rs 1 lakh (government) / Rs 1.5 lakh (non-government). Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days. |
Questions
- What is the annual fee of the HDFC Regalia Gold Credit Card?
- Rs 2,500 a year, before GST. It is waived if you spend Rs 4,00,000 in a year.
- Does the HDFC Regalia Gold Credit Card give airport lounge access?
- Yes. In India: 12 per year in India: 3 per calendar quarter, spend-based. Outside India: 6 per calendar year outside India via Priority Pass. Conditions: Domestic: Rs 60,000 or more spend in the preceding calendar quarter unlocks 3 visits (HDFC page). Priority Pass issued on request after 4 retail transactions; extra visits and Priority Pass use inside India charged USD 27 + GST (MITC).
- What is the forex markup on the HDFC Regalia Gold Credit Card?
- 2% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the HDFC Regalia Gold Credit Card?
- No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel