HDFC Bank Regalia Gold
Premium Visa

HDFC Bank Regalia Gold

HDFC Bank

★★★★☆ 4.4/5
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Joining Fee₹2,500
Annual Fee₹2,500
Fee WaiverSpend ₹3L/year to get next year free
Forex Markup2% + GST
Lounge12 domestic lounge visits/year (HDFC + Priority Pass)

Welcome Benefit

2,500 reward points on first transaction + ₹2,500 gift voucher

Earn Rates

2% base (4 RP per ₹150); 5X on grocery and dining

Key Highlights

  • Best sub-₹5K card in India for overall value
  • Reward points transferable to Air India, KrisFlyer, InterMiles, Club Vistara
  • Complimentary Swiggy One membership (3 months)
  • Emergency overseas hospitalisation cover up to ₹15L

Milestone Benefits

  • 5,000 bonus RP on spending ₹5L in a year
  • 10,000 bonus RP on spending ₹7.5L in a year

Lounge Access

12 domestic lounge visits/year (HDFC + Priority Pass); 6 international Priority Pass visits/year

Fuel Surcharge Waiver

1% surcharge waiver; max ₹250/month

Best For

  • Mid-range spenders (₹2–7L/year)
  • Dining and grocery spend
  • First premium card upgrade

Not Great For

  • Very high spenders who should look at Infinia
  • International travel heavy users (forex markup)
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Verified: Data last verified 17 June 2026. Sources: hdfcbank.com, cardexpert.in

Frequently Asked Questions

Is HDFC Regalia Gold better than Regalia First?

Yes. Regalia Gold replaced Regalia First and offers better lounge access, higher reward rates on dining and grocery, and improved milestone benefits. If you have a Regalia First, ask HDFC to upgrade.

How does the Regalia Gold annual fee waiver work?

Spend ₹3 lakh or more in a year and HDFC waives the ₹2,500 annual fee for the following year. This effectively makes the card free for moderate spenders.

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