Regalia Gold Credit Card
HDFC Bank•VisaMastercardPremiumActive
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Highlights
- Base reward rate: 1.25% return (5 pts per ₹200)
- Domestic Lounge: 3 visits/quarter via Visa Lounge Program
- International Lounge: 6 visits/year via Priority Pass
- Dining: Dining discounts on Swiggy Dineout.
- Complimentary Swiggy One (3 Months)
- Complimentary MakeMyTrip Black Elite/Gold (1 Year)
- Air Accident Cover: ₹1,00,00,000
- Fraud Liability Cover: ₹5,00,000
Welcome / Joining Benefit
No joining fee waiver, but welcome gift of 2,500 Reward Points or gift voucher.
Points Expiry
Points expire after 2 years.
Joining Fee
₹2,500
+18% GST applicable
Annual Fee
₹2,500
+18% GST applicable
Renewal Fee
₹2,500
+18% GST applicable
Joining Fee Waiver
No joining fee waiver, but welcome gift of 2,500 Reward Points or gift voucher.
Annual Fee Waiver
Spend Threshold₹4,00,000
PeriodPrevious anniversary year
Spend ₹4 Lakhs or more in the anniversary year to get renewal fee waived.
Basic Requirements
Minimum Age21 years
Maximum Age60 years
Eligible OccupationSalaried, Self-Employed
Additional Details
Requires monthly net salary > ₹1 Lakh or annual ITR > ₹12 Lakhs.
Forex markup: 0%
Base Reward Rate
Points per Spend
5 pts
Per Every
₹200
Effective Return
1.25%
Currency: Regalia Gold Reward Points — 1 point ≈ ₹0.5
Accelerated & Special Rates
5X points (25 reward points per ₹200 spent) on Nykaa, Myntra, Marks & Spencer, and Reliance Digital.
5X
6.25% return
Cap: 5,000 pts / Monthly
❌ No Points Earned On:
FuelRentWallet LoadGovernment Spends
Milestone Benefits
Get ₹1,500 worth of vouchers on quarterly spends of ₹1.5 Lakhs.
Get ₹5,000 SmartBuy flight voucher on annual spends of ₹5 Lakhs.
Get an additional ₹5,000 SmartBuy flight voucher on annual spends of ₹7.5 Lakhs.
Dining Privileges
ProgramGood Food Trail
DiscountUp to 15% off
Dining discounts on Swiggy Dineout.
Complimentary Memberships
Swiggy One3 Months
MakeMyTrip Black Elite/Gold1 Year
Insurance Benefits
Air Accident Cover₹1,00,00,000
Emergency Medical Limit₹15,00,000
Fraud Liability Cover₹5,00,000
🛫 Domestic Lounge Access
ProgramVisa Lounge Program
Visits3 per quarter
Guest AccessNo
Unlock CriteriaSpend ₹60,000 in Preceding calendar quarter
🌏 International Lounge Access
ProgramPriority Pass
Visits6 per year
Guest AccessNo
Redemption Options
Smart Redemption Tips
🏆 Best value: Reward Catalogue at ₹0.65/pt — maximize your returns here.
⚠️ Avoid Statement Credit (₹0.15/pt) — you lose 77% of point value.
Best Value
📖Reward Catalogue
Exclusive Gold Catalogue redemption
₹0.65/pt
🛫Flight Booking
SmartBuy flight bookings
₹0.50/pt
🏨Hotel Booking
SmartBuy hotel bookings
₹0.50/pt
🎁Gift Voucher
Gift voucher redemption
₹0.35/pt
🛍️Merchandise
Rewards catalogue redemption
₹0.35/pt
💳Statement Credit
Cash redemption against statement
₹0.15/pt
Points Transfer Partners
Total: 16 partnersSort By
Air Canada Aeroplan
AirlineStar Alliance
100Points
33Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.33 mile
AirAsia Rewards
Airline
100Points
50Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
Air India Maharaja Club
AirlineStar Alliance
100Points
33Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.33 mile
Avianca LifeMiles
AirlineStar Alliance
100Points
50Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
British Airways Executive Club
AirlineOneWorld
100Points
33Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.33 mile
Cathay Pacific Asia Miles
AirlineOneWorld
100Points
33Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.33 mile
Etihad Guest
Airline
100Points
33Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.33 mile
Finnair Plus
AirlineOneWorld
100Points
50Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
Air France/KLM Flying Blue
AirlineSkyTeam
100Points
50Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
Qatar Airways Privilege Club
AirlineOneWorld
100Points
33Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.33 mile
Vietnam Airlines LotusSmiles
AirlineSkyTeam
100Points
50Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
Thai Airways Royal Orchid Plus
AirlineStar Alliance
100Points
33Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.33 mile
Turkish Airlines Miles & Smiles
AirlineStar Alliance
100Points
50Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
United MileagePlus
AirlineStar Alliance
100Points
33Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.33 mile
SpiceClub
Airline
100Points
50Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
Singapore Airlines KrisFlyer
AirlineStar Alliance
100Points
50Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
Gemini Credit Card AssistantFree Tier
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