HDFC BankVisaPremium

Regalia Gold credit card

Mid-premium travel card with 5X on Myntra, Nykaa, M&S and Reliance Digital.

Personal score41/100● Weak fit

Recurring net savings₹1,276/yrafter fee, GST and caps · bills paid in full

First-year value₹3,526incl. ₹2,250 welcome, ₹2,950 joining fee

Effective savings rate0.4%on ₹3,26,640 card spend · 6% = full marks

Annual fee (incl. GST)You pay ₹2,950waiver at ₹4,00,000 spend

Lounge access✈12 dom🌏6 intlyou can use 2 of your visits

Personalise Official page ↗

Source: HDFC Bank – Regalia Gold · last reviewed 2026-09-12

Standard profile

Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail

₹2,653/yrBase rate 1.33% on other spends

−₹2,950Fee you pay

2/2lounge visits covered

1/1lifestyle perks matched

₹36,000earns nothing (fuel)

! You pay the ₹2,950 annual fee (incl. GST) – waiver needs ₹4,00,000 spend.

Where the money comes from

₹1,276/yr · 0.4%

Base rate 1.33% on other spendson ₹1,99,440₹2,653

Utilities & insurance (capped 2,000 RP/mo)on ₹48,000₹638

Grocery (capped 2,000 RP/mo)on ₹43,200₹575

Excluded categories (no rewards)on ₹36,000₹0

Fuel surcharge waiver₹360

Renewal fee incl. GSTyou pay it−₹2,950

◻︎ ₹1,500 flight voucher on ₹1.5L… · needs ₹1,50,000/quarter◻︎ ₹5,000 Marriott/Myntra/M&S voucher at… · needs ₹5,00,000/year◻︎ Another ₹5,000 voucher at ₹7.5L · needs ₹7,50,000/year

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹1,276/yr is calculated: Regalia Gold
+ Reward value on your spendat ₹0.5/Reward Points realistic value: ₹3,866
+ Fuel surcharge waiver1% up to ₹500/month: ₹360
− Annual fee incl. 18% GSTcharged every year: −₹2,950
= Recurring net savings: ₹1,276/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards: ₹3,26,640
= Effective savings rate: 0.4%

How the score of 41 is built

weights total 100% · methodology

Net savings rate8/100 × 55%4.4

Usable lounge access100/100 × 15%15.0

Redemption flexibility60/100 × 10%6.0

Lifestyle fit100/100 × 10%10.0

Simplicity60/100 × 5%3.0

Fee safety49/100 × 5%2.4

Airport lounges with this card

Open Lounge Finder →

42airports in India

64lounges you can enter

12 per yeardomestic

6 per yearinternational

How you get in: issuer programme (bank / operator app) · Priority Pass. Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 6 lounges

✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
🌏T3 Encalm Privé (T3 International) Encalm · via Priority Pass verified
🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Priority Pass verified
✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified

HYD Hyderabad 4 lounges

✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
🌏Main Plaza Premium Lounge (International) Plaza Premium · via Priority Pass verified
🌏Main Encalm Privé (International) Encalm · via Priority Pass check at desk

BOM Mumbai 4 lounges

✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
🌏T2 Adani Lounge (T2 International) Adani Airports · via Priority Pass verified
✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified

BLR Bengaluru 3 lounges

✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
🌏T2 080 International Lounge BIAL · via Priority Pass verified
✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified

MAA Chennai 3 lounges

✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified

AMD Ahmedabad 2 lounges

✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
🌏T2 Adani Lounge (International) Adani Airports · via Priority Pass verified

ATQ Amritsar 2 lounges

✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
🌏Main Bird Lounge (International) Bird Group · via Priority Pass check at desk

GOX Goa (Mopa) 2 lounges

✈Main Mopa Airport Lounge (Domestic) GMR · via issuer programme (bank / operator app) check at desk
🌏Main Mopa Airport Lounge (International) GMR · via Priority Pass check at desk

COK Kochi 2 lounges

✈T1 Earth Lounge (Domestic) CIAL · via issuer programme (bank / operator app) verified
🌏T3 Earth Lounge (International) CIAL · via Priority Pass verified

CCU Kolkata 2 lounges

✈T2 Travel Club Lounge (Domestic) Travel Food Services · via issuer programme (bank / operator app) verified
🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified

LKO Lucknow 2 lounges

✈T3 Adani Lounge (Lucknow) Adani Airports · via issuer programme (bank / operator app) verified
🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Priority Pass check at desk

TRV Thiruvananthapuram 2 lounges

✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via issuer programme (bank / operator app) verified
🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Priority Pass check at desk

+ 30 more airports in the Lounge Finder.

What changed on this card

1 Jul 2025New feeHDFC Bank
HDFC Bank: 1% fee on rent, high utility and gaming spends; insurance reward caps
From 1 July 2025 HDFC cards charge 1% (capped at ₹4,999 a month) on rent payments, on all utility transactions once monthly utility spend crosses ₹50,000 on personal cards, and on online skill-based gaming above ₹10,000 a month (gaming also earns no points). Insurance reward points are capped at 10,000 a month on Infinia, 5,000 on Diners Black and 2,000 on other cards.
Cards: Infinia Metal, Diners Club Black Metal, Regalia Gold, Regalia, Millennia, Swiggy HDFC Bank, Tata Neu Infinity HDFC Bank, Tata Neu Plus HDFC Bank +10 more · Source: Business Standard – HDFC credit card users alert: new fees, reward caps from July 1 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn1.33%value on eligible spend

⚡ Accelerated6.67% 5X on Myntra, Nykaa, Marks…1.33% Grocery 1.33% Utilities & insurance

🚫 No rewards onfuelrent

🏷️ Fees₹2,950/yr incl. GSTwaived on ₹4,00,000 spend · joining ₹2,500

🎁 Welcome (year 1)≈ ₹2,250₹2,500 gift voucher on joining-fee payment

🏁 Milestones₹1,500 @ ₹1,50,000/quarter₹4,500 @ ₹5,00,000/year₹4,500 @ ₹7,50,000/year

✈️ Lounge✈12/yr dom🌏6/yr intlVisa Signature lounges (domestic) + Priority Pass (international)

🌏 Forex markup2%+ GST on the markup

🔁 Redemption₹0.5/Reward Points ★★★☆☆1 RP = ₹0.50 on SmartBuy flights/hotels; ₹0.35 vouchers; ₹0.20 statement.

🧩 Simplicity★★★☆☆a few caps to track

🎯 Lifestylefuel waiverinsurance coverconcierge

🪪 EligibilityIncome ₹12L+/yr or ₹1L+/month salary

At a glance

12 domestic + 6 international lounge visits
Quarterly ₹1,500 flight vouchers
Fee waived on ₹4L annual spend

Base rate is only ~1.3% value
Point value halves outside SmartBuy
Grocery and utilities capped

Compare Regalia Gold with

Community Q&A on the Regalia Gold

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the HDFC Bank Regalia Gold?

Joining fee ₹2,500 and renewal fee ₹2,500, plus 18% GST (₹2,950 a year). The renewal fee is waived if you spend ₹4,00,000 in the card year.

Does the Regalia Gold give airport lounge access?

12 domestic + 6 international/yr. Visa Signature lounges (domestic) + Priority Pass (international).

How much can I save with the Regalia Gold?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹1,276 a year, an effective savings rate of 0.4% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Regalia Gold's reward exclusions and caps?

No rewards on fuel, rent. 5X on Myntra, Nykaa, Marks & Spencer, Reliance Digital: capped at ₹5,000 a month; Grocery (capped 2,000 RP/mo): capped at ₹1,000 a month; Utilities & insurance (capped 2,000 RP/mo): capped at ₹1,000 a month

Sources

HDFC Bank – Regalia Gold

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: Regalia Gold lounge access by airport · all HDFC Bank cards · change log.