HDFC Regalia Gold Credit Card Review
There are many travel card and the HDFC Regalia Gold Credit Card ranks top among all travel cards because of its unlimited ~13.33% reward points on flights and hotel spend, with reward points on other spends also, but is it worth having?
In this review, we will discuss its joining and annual fee, eligibility, rewards and benefits, pros and cons and my verdict at the end to give clarity on who should apply and who should not, so read it completely.
HDFC Regalia Gold Credit Card Features
| Feature | Details |
|---|---|
| Joining Fee | ₹2,500 + GST (18%) |
| Annual Fee | ₹2,500 + GST (18%) |
| Fee Waiver | Annual Fee waived off on ₹4 Lakh spend. |
| Base Reward Rate | 2.67% |
| Best Reward Categories | travel_flights, travel_hotels, international_spends |
| Forex Markup | 2% |
| Lounge Access | 12 Domestic and 6 International Lounge Access. |
HDFC Regalia Gold Credit Card Eligibility Criteria
| Criteria | Details |
|---|---|
| Minimum Income | ₹25,000 / month |
| Employment Type | Salaried & Self Employed |
| Age Requirement | 21-65 Years |
This is a premium travel credit card, so if you meet the requirements mentioned above, then you can apply for it to get the maximum benefits out of it.
HDFC Regalia Gold Credit Card Rewards & Benefits
| Reward Type | Details |
|---|---|
| Welcome Bonus | ₹2,500 voucher on fee payment. |
| Bonus Categories | HDFC Card, Travel Card, Reward points |
| Reward Structure |
|
| Reward Exclusions | No rewards on Fuel, rent, gold/ jewellery, wallet loads, education, EMI, government transactions. |
| Reward Expiry | 3 Years |
HDFC Regalia Gold card gives reward points on all eligible spend, let’s understand it:-
- RP20 per ₹150 spent (~13.33%) on flights, hotels via HDFC’s SmartBuy. (RP = Reward Points)
- RP4 per ₹150 spent (~2.67%) on daily spends like grocery, apparel, bills, insurance, and utilities.
- RP5 per ₹150 spent (~3.33%) on other spending through SmartBuy
- RP3 per ₹150 spent (~2%) on Swiggy Instamart
Apart from the above reward points, there are milestone-based reward points for flight bookings, such as RP2,500 each on spending of ₹5 Lakh and ₹7.5 lakh. And there is no upper limit mentioned for reward points, so it is a big positive for this card.
With 13.33% discounts on flights and hotels, this card is the best option for regular travellers. Along with the above discounts, this card offers 18 Airport lounge access per year (12 Domestic and 6 International) without any spend condition.
This card also gives a ₹2,500 voucher as a welcome bonus, including 6 month swiggy One & a 1-year MMT Black Gold subscription.
Now, what’s important is how to redeem these points to get actual benefits out of them. This is quite easy; you can redeem your reward points on HDFC’s SmartBuy portal or NetBanking for maximum value, yet this varies from brand to brand, like 1 RP = ₹0.65 on premium brands like Apple, Samsung, Bose, etc. For flights & Hotels, it is around 1RP = ₹0.50 via partners (EaseMyTrip, Yatra, Cleartrip, Goibibo, etc.). There are other options also, but those give very little value in comparison to above mentionded.
So, in reality, 13.33% is reward points, but when you redeem these for travel purposes with a 2:1 conversion, you’ll get 6.67% discounts effectively and 8.67% if you redeem for premium brands mentioned above.
There is 1% Fuel surcharge waiver on ₹400-₹5,000 transactions at all fuel stations with a maximum limit of ₹500-₹1,000 per statement cycle.
How to Apply for HDFC Regalia Gold Credit Card
-
Check Eligibility
If your monthly income is ₹25,000 or more , your age falls within 21-65 Years , and you are a Salaried or Self-Employed applicant , and you meet other basic requirements, you can apply for the HDFC Regalia Gold Credit Card by following the steps below.
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Click Apply Now
Click the apply button below to visit the official application page. The process is secure, fully online, and can be completed in just a few minutes.
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Fill Application Form
Enter your personal, employment, and income details accurately as per your official documents.
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Submit Documents
Upload PAN, Aadhaar, address proof, and income proof if requested during the application.
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Approval & Delivery
Once approved, your credit card will be dispatched and delivered to your registered address.
Pros & Cons
Pros
- Good option for travelers as it gives ~13.33% on hotels & flights.
- Reward points on other daily spending also.
- 18 Lounge access in a year.
- Welcome benefits offset fee.
Cons
- High Joining and annual fee.
- No other entertainment (Golf, Dining, etc.) related offers.
- Annual fee waived off limit is high.
- Lesser value for reward points on redemption.
Our Verdict
HDFC Regalia Gold Card is a good option for travel-related spends, like on hotels & flights via HDFC’s SmartBuy. On travel spend, it gives around ~13.33% Reward points with no limit, along with sufficient 18 lounge access per year, welcome bonus, rewards on other daily spending, and milestone rewards on spend make this card overall a good card focused on travel.
If you spend on travel around ₹4 Lakh in a year, then it can be a good option with a lot of savings without many luxury offers, so you can apply for this card.