Priority Pass
HDFC Bank
Regalia Gold
The HDFC Regalia Gold is a versatile travel-lifestyle card offering strong value through accelerated rewards, milestone vouchers, and curated travel benefits. It currently delivers a solid base reward rate, with higher value available on select premium brands such as Myntra, Nykaa, Reliance Digital, and Marks & Spencer.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 31 May 2026.
At a Glance
Annual Fee
₹2,500
Joining Fee
₹2,500
Fee Waiver
Spend ₹4,00,000 annually
Lounge Access
Domestic + International Lounge Access
Forex Markup
2%
Effective Yield
1.33% – 17.33%
Our Take
The HDFC Regalia Gold is a versatile travel-lifestyle card offering strong value through accelerated rewards, milestone vouchers, and curated travel benefits. It currently delivers a solid base reward rate, with higher value available on select premium brands such as Myntra, Nykaa, Reliance Digital, and Marks & Spencer. However, 2026 updates shift the card’s value proposition from “passive” lounge access toward “active” travel perks. From July 1, 2026, domestic lounge access becomes spend-linked, requiring ₹60,000 in the previous calendar quarter to unlock up to three domestic lounge visits. This is partially offset by the new Boarding Edge perk system, where eligible users can choose curated travel benefits such as airport transfers, spa access, or room upgrades by uploading a boarding pass. Milestone-focused users can still extract strong value, with up to ₹16,000 in annual voucher benefits at the ₹7.5 lakh spend mark. That said, the base reward structure becomes slightly less attractive from May 2026, shifting to 5 Reward Points per ₹200 spent, which lowers the standard travel redemption return for non-milestone users.
Pros
- High-Value 5X Accelerated Tiers: Earn accelerated Reward Points on select premium lifestyle brands such as Myntra, Nykaa, Reliance Digital, and Marks & Spencer. This makes the card especially rewarding for users who regularly spend with these merchants.
- Upcoming 'Boarding Edge' Perks (May 2026): The new Boarding Edge feature allows eligible users to choose curated travel benefits every quarter, such as Uber airport transfers, spa access, or room upgrades, by uploading a boarding pass. This adds a layer of premium travel utility previously associated with higher-tier HDFC cards.
- Inclusive Milestone Rewards: The card offers an aggressive milestone structure, including quarterly ₹1,500 brand vouchers on ₹1.5 lakh quarterly spends and up to ₹10,000 in annual flight vouchers at the ₹7.5 lakh annual spend mark. Combined, users can unlock up to ₹16,000 in annual voucher value.
Cons
- New Spend-Based Lounge Hurdles (July 2026): Starting July 1, 2026, domestic lounge access is no longer 'walk-in.' You must spend at least ₹60,000 in the preceding calendar quarter to unlock 3 visits, making it less useful for low-spenders or occasional flyers.
- Airmile Transfer Devaluation: Unlike premium HDFC cards such as Diners Club Black or Infinia, Regalia Gold maintains a 2:1 air-mile transfer ratio, where 1 Reward Point equals 0.5 air miles. This makes it less efficient for users focused on airline mile conversions.
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Accelerated Brands (5X Rewards) | 25 Reward Points (RP) per ₹200 | 8.25% | 5,000 RP per calendar month |
| SmartBuy Hotels (10X Rewards) | 50 RP per ₹200 | 16.5% | 4,000 Bonus RP per month (combined SmartBuy purchases) |
| SmartBuy Flights & Vouchers (5X) | 25 RP per ₹200 | 8.25% | 4,000 Bonus RP per month (combined SmartBuy purchases) |
| Grocery, Utility & Telecom | 5 RP per ₹200 | 1.625% | 2,000 RP per month (each category) |
| Base Retail Spends | 5 RP per ₹200 | 1.625% | 50,000 RP per cycle (Base Cap) |
| Excluded Categories | No Points Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹1.5 Lakh | Brand Voucher0 pts | ₹1,500 Voucher | Earn a ₹1,500 voucher from Myntra/Nykaa every calendar quarter. |
| ₹5 Lakh | Flight Voucher0 pts | ₹5,000 Voucher | Awarded for hitting ₹5 Lakhs annual spend in an anniversary year. (please confirm with HDFC as product page differs from the TnC pdf) |
| ₹7.5 Lakh | Flight Voucher0 pts | ₹5,000 Voucher | Additional voucher on reaching ₹7.5 Lakhs (Total ₹10k in annual flight vouchers). |
| ₹4 Lakh | Fee Waiver0 pts | ₹2,500 + GST Savings | Renewal fee waived for the next year upon hitting ₹4 Lakhs annual spend. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| SmartBuy Flights/Hotels | ₹0.50 per RP2:1 Ratio | Best Value (Maximize for travel; up to 70% of booking via points) |
| Gold Catalogue / Exclusive Brands | ₹0.65 per RP1.53:1 Ratio | High Value (Specific high-end products only) |
| Airmiles Conversion | ₹0.50 (Approx)2:1 Ratio | Travel-Oriented (Partners: Vistara, Singapore Air, etc.) |
| Products and Voucher | ₹0.35 per RP | Avoid (Moderate loss in value compared to travel bookings) |
| Statement Credit (Cash) | ₹0.15 per RP3:20 Ratio | Avoid (Significant loss in value compared to travel bookings) |
What You Need to Know
Upcoming Accrual Devaluation
Effective May 15, 2026, base earning moves from 4 RP/₹150 to 5 RP/₹200.
Impact: Reduces base yield from 1.33% to 1.25%; affecting long-term accrual speed.
Lounge Spend Trigger (July 2026)
Effective July 1, 2026, lounge access will require a ₹60,000 quarterly spend.
Impact: Until then, it remains the last major card with unconditional lounge access.
New Utility & Wallet Caps
1% fee on Utility (>₹50k/cycle) and Wallet loads (>₹10k/cycle).
Impact: Even though it earns rewards on utilities, high bills now attract a net cost.
Insurance/Edu Monthly Cap
Reward points on Insurance and Education are capped at 2,000 RP per month.
Impact: High-value annual premiums will only earn rewards on the first ~₹75k of spend.
Essential Fine Print
Reward Exclusions
Excluded Transactions: Fuel, Wallet loads, Rent payments, Government transactions, Cash advances, and Easy EMI do not earn reward points.
Welcome Offer
Complimentary Swiggy One and MMT Black Gold membership
On spends on ₹1 Lakh in first 90 days
Lounge Access
Priority PassDomestic Lounge Access
3 complimentary domestic lounge visits per calendar quarter for self and add-on members on spends of ₹60,000 or more in the preceding calendar quarter.
International Lounge Access
6 complimentary international lounge visits per calendar year via Priority Pass for self and add-on members.
Milestone Benefits
Quarterly Milestone
₹1,500 voucher from Myntra/Nykaa on ₹1.5 Lakhs spend per quarter.
₹5 Lakhs annual spend
₹5,000 flight voucher on ₹5 Lakhs annual spend
₹7.5 Lakhs annual spend
Additional ₹5,000 flight voucher on ₹7.5 Lakhs annual spend.
Additional Features
Insurance Coverage
Accidental Air Death Cover of ₹1 Crore and Emergency Overseas Hospitalization cover of ₹15 Lakhs.
Low Forex Markup
Competitive 2% markup on all foreign currency transactions.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹2,500 |
| Annual / Renewal Fee | ₹2,500 |
| Fee Waiver Threshold | Spend ₹4,00,000 annually |
| Forex Markup | 2% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Salaried Citizen
Age: 21-60 years, Net Monthly Income > ₹1 Lakh (For Govt.), Net Monthly Income > ₹1.5 Lakh (For Non-Govt.)
Self-Employed Citizen
Age: 21-65 years, ITR > ₹18 Lakhs per annum
Ready to apply for Regalia Gold?
Annual fee: ₹2,500 · Waived on ₹4,00,000 spend
Annual fee
₹2,500
1.33% – 17.33% yield