Annual fee₹2,500+ GST
Forex markup2%
Interest3.75%a month
NetworkVisa / Mastercard
You earn
Perks & rules
What changed
1 Jul 2026Domestic lounge now needs ₹60,000 spend in the previous quarter
15 May 2026Earn rate set at 5 points per ₹200; Boarding Edge travel benefits added
1 Nov 2025Points redeemed against your bill now worth 15 paise each
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asReward points
Base rate5 points per ₹200 spent
Higher rates
- 4 brands: 5X points at Myntra, Nykaa, Reliance Digital and Marks & Spencer
- SmartBuy: Up to 10X points on SmartBuy
Limits
- 5X bonus: up to 5,000 points a month across the 4 brands; minimum ₹200 transaction
- Up to 50,000 points per statement cycle
- Grocery and insurance: up to 2,000 points a month each
- Earned only on spends in multiples of ₹200
Doesn't earn on
- Fuel, EasyEMI, wallet loads; points reversed if converted to SmartEMI
- Rent, maintenance, packers & movers, government
- Education payments via third-party apps (CRED, Cheq, MobiKwik etc.)
- Online skill-based gaming
Where it landsPosted in the first week of the next month; 5X bonus within 90 days of month-end
What a point is worth
Value₹0.65 Gold catalogue, ₹0.50 flights/hotels, 0.5 airmile, up to ₹0.35 vouchers, ₹0.15 against your bill
Expiry2 years; all points lost if the card isn't used for 365 days
Redemption fee₹99 + GST per redemption
Welcome benefit
WelcomeSwiggy One and MMT Black Gold memberships on ₹1 lakh spend in the first 90 days
Milestones
Milestones
- ₹5,000 flight vouchers at ₹5 lakh and again at ₹7.5 lakh yearly spend
- ₹1,500 Myntra/Nykaa voucher on ₹1.5 lakh spend in a quarter
Airport lounges
Domestic3 visits a quarter if you spent ₹60,000 in the previous quarter
International6 visits a year via Priority Pass
Fuel
FuelNot stated in the fee schedule for this card
Spending abroad
Forex markup2%
Fees
Joining fee₹2,500 + GST
Annual fee₹2,500 + GST
Fee waiverSpend ₹4 lakh in the year
If you pay late
Late fee₹100–₹1,300 depending on amount due (nil up to ₹100)
Interest3.75% a month (45% a year)
Cash withdrawal2.5% or ₹500, whichever is higher
Who can apply
Age21–60 years (salaried), 21–65 (self-employed)
SalariedNet monthly income above ₹1 lakh (government) or ₹1.5 lakh (others)
Self-employedITR above ₹18 lakh a year
More perks
Perks
- Boarding Edge: any 2 per quarter of spa, Uber airport ride, hotel dining or room upgrade (upload boarding pass on SmartBuy)
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- Regalia Gold product page Product page · 2 Oct 2026
- Regalia Gold Reward Points T&C Card T&C · 15 May 2026
- HDFC Bank Key Fact Statement & MITC (v4.12) Fee schedule · 30 Sep 2026
- Regalia Gold feature changes (15 May 2026) Change notice · 15 May 2026
Card image: HDFC Bank's own website.
