Last updated: |Data verified from official bank sources
Premium
HDFC Regalia Gold
HDFC Bank
Best for: Mid-tier spenders wanting lounge access
₹3K
Annual Fee
2.66%
Reward Rate
2%
Forex Markup
12/year
Domestic Lounge
6/year
Intl Lounge
Best for: Mid-tier spenders wanting lounge access
Things to Watch Out For
- •Devalued from original Regalia benefits
Fees & Charges
Joining Fee₹3K
Annual Fee₹3K
Fee WaiverSpend ₹4L annually
Forex Markup2%
Rewards
TypePoints
Base Rate4 pts/₹150
Effective Return2.66%
Accelerated Categories
SmartBuy5X (13.3%)
Lounge Access
Domestic12/year
International6/year
Priority PassIncluded
Eligibility
Minimum Income₹12.0L/year
Minimum CIBIL720+
Reward Exclusions
FuelWalletRent
Spends in these categories won't earn reward points
Available on: Visa, Mastercard
Frequently Asked Questions
What is the annual fee for HDFC Regalia Gold?▼
HDFC Regalia Gold has an annual fee of ₹2500. Spend ₹4L annually
What rewards does HDFC Regalia Gold offer?▼
HDFC Regalia Gold offers 4 pts/₹150 on all spends, with an effective value of 1.33%.
Does HDFC Regalia Gold have lounge access?▼
Yes, HDFC Regalia Gold offers 12/year domestic lounge visits and 6/year international lounge visits per quarter.
What is the minimum income required for HDFC Regalia Gold?▼
The minimum income requirement for HDFC Regalia Gold is ₹12.0 lakhs per annum.
Information sourced from HDFC Bank official website. Last verified: February 2026.
PM
PlasticMoney Research Team
Personal finance experts analyzing credit cards since 2023