HDFC Regalia Gold Credit Card – Travel, Lifestyle, and Premium users Credit Card
- By CardSathi
- April 1, 2026
- 4:34 PM
Did you know that premium credit card users in India are increasingly shifting towards travel credit cards for better value on everyday spending? If you are someone who spends regularly on shopping, travel, or dining, choosing the right credit card can significantly increase your overall savings and benefits. The HDFC Regalia Gold Credit Card stands out as a strong mid-premium credit card in India, offering a mix of reward points, airport lounge access, and travel benefits. With features like complimentary lounge access, accelerated rewards on partner brands, and milestone rewards, it is designed for users who want more than just basic cashback. But is it really worth the annual fee, and does it deliver real value compared to other best credit cards in India? In this detailed HDFC Regalia Gold Credit Card review, we will cover its features, charges, rewards, benefits, and eligibility, and help you decide whether it is the right credit card for you in 2026.
- Joining Fee: ₹2500 + GST
- Annual Fee: ₹2500 + GST
- Annual Fee Waiver: On annual spends above ₹4 lakh
- Card Type: Premium Rewards Credit Card
- Best For: Travel, lifestyle, and premium users
Fees & Charges:
| Feature | Details |
|---|---|
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Interest Rate |
3.75% per month |
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Late Payment Charges |
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Over-limit Fee |
2.5% (minimum ₹550) |
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Cash Withdrawal Fee |
2.5% (minimum ₹500) |
|
Forex Markup |
2% (lower than most cards) |
Rewards & Benefits:
Welcome Benefits:
- Complimentary Swiggy One membership
- Complimentary MakeMyTrip Black Gold membership
Cashback Structure:
- 4 Reward Points per ₹150 spend on regular transactions
- 5X Reward Points on brands like Myntra, Nykaa, Reliance Digital
- Up to 10X rewards via SmartBuy platform
Lounge Access:
- 12 domestic airport lounge visits per year
- 6 international lounge visits via Priority Pass
Milestone Benefits:
- ₹5000 flight vouchers on ₹5 lakh & ₹7.5 lakh spends
- ₹1500 vouchers on quarterly spends of ₹1.5 lakh
Insurance Benefits:
- Air accident cover up to ₹1 crore
- Emergency overseas hospitalization cover
- Credit liability cover
Fuel Benefits:
- 1% fuel surcharge waiver
- Valid on transactions between ₹400 – ₹5000
- Maximum benefit up to ₹500 per statement
Dining Offers:
- Up to 15% discount at partner restaurants
EMI Conversion:
- Purchases above ₹10,000 can be converted into EMI
Contactless Payment:
- The HDFC Bank Regalia Gold Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.*
(Note: In India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction without requiring you to input your Credit Card PIN. where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder you must enter the Credit Card PIN for security reasons. You may check for the Contactless Network Symbol on your card.)
Benefit Summary Table:
| Category | Benefit |
|---|---|
|
Rewards |
4 RP per ₹150 |
|
Bonus Rewards |
5X–10X via partners |
|
Lounge Access |
12 domestic + 6 international |
|
Forex Charges |
2% |
|
Milestone Rewards |
Flight vouchers |
|
Insurance |
Up to ₹1 crore |
Eligibility Criteria:
Salaried:
- Nationality: Indian
- Age: Min 21 years & Max 60 Years
- Net Monthly Income> Rs 1,00,000 (For Govt.)
- Net Monthly Income> Rs 1,50,000 (For Non Govt.)
Self Employed:
- Nationality: Indian
- Age: Min 21 years & Max 65 Years
- Income: ITR > Rs 18 Lakhs per annum
Documents Required:
Identity Proof:
- Passport
- Aadhaar card
- Voter ID
- Driving licence
- PAN card
- Passport size photographs
Address Proof:
- Utility bills (electricity, water, gas, or telephone)
- Rental agreement
- Passport
- Aadhaar card
- Voter ID
Income Proof:
- Salary slips (for salaried individuals)
- Income Tax Returns (ITR)
- Form 16
- Bank statements
Who Should Apply?
This credit card is ideal for users who want a premium lifestyle + travel card with strong reward benefits. It is best suited for people who frequently travel and spend on shopping, dining, and online platforms.
If you can spend ₹4 lakh annually, you can easily waive the annual fee and maximize benefits. This card is also great for users who want lounge access and travel rewards without going for super-premium cards.
However, it may not be suitable for beginners or users looking for pure cashback benefits.
How to Apply?
- Step 1 – Provide & validate your Phone Number & Date of Birth/PAN
- Step 2- Confirm your details
- Step 3- Select your Card
- Step 4- Submit & Receive your Card*
*In certain cases, uploading documents and completing video KYC might be required.
Final Verdict
The HDFC Regalia Gold Credit Card is one of the best mid-premium credit cards in India for 2026. It offers a perfect balance of travel, rewards, and lifestyle benefits. If you are a frequent traveler or a high spender, this card can deliver excellent value.
HDFC Regalia Gold Credit Card : FAQs
1. Is HDFC Regalia Gold Credit Card good in 2026?
Yes, it is one of the best premium credit cards for travel and rewards in India.
2. What is the annual fee of HDFC Regalia Gold Card?
The annual fee is ₹2500, which can be waived on ₹4 lakh yearly spend.
3. Does Regalia Gold offer lounge access?
Yes, it offers 12 domestic and 6 international lounge visits annually.
4. What is the reward rate of Regalia Gold?
You earn 4 reward points per ₹150 spent, with higher rewards on partner brands.
5. Is Regalia Gold good for international use?
Yes, due to its low 2% forex markup, it is better than many other cards.
SOME IMPORTANT LINKS
| Name | Links |
|---|---|
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Apply Online |
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Check Fee & Charges |
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Most Important T&C |
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Official Website |