Regalia Gold Credit: Why Is It Great for Elite’s Choice?

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Regalia Gold Credit Card

The Regalia Gold credit card is a premium card designed for those who value luxury and unique features. This card opens the gate to a world of smooth and superior customer service, elevating experiences beyond basic transactions. The Regalia Gold card caters to wealthy customers, offering to upgrade their lifestyle with privileges such as travel benefits, dining discounts, and a rewards program. 

This credit review will explore the various perks of the Regalia Gold credit card. It’s an essential item for anyone wishing to enhance their financial and lifestyle portfolio.

Regalia Gold Credit Card: Overview


Type: Premium credit card 

Regular Apr: 43.2% p.a.

Annual Fee: ₹2,500 

Foreign Transaction Fee: 2%

The Regalia Gold card is more than a payment device. It’s a luxury lifestyle accessory for the wealthy. With an annual percentage rate (APR) of 43.2% per year, it’s ideal for those who pay off their balance monthly, avoiding interest. Luxury travel privileges, food discounts, and an attractive rewards program cover the ₹2,500 annual charge. Moreover, the card tailors a 2% foreign transaction fee to enhance the finer aspects of life, from travel to dining and beyond.


To apply for the Regalia Gold credit card from HDFC Bank, an Indian national requires the following eligibility criteria:

1. Salaried Individuals

  • Age: 21-60 years
  • Income: More than ₹8.4 Lakhs per annum

​​​​​​​2. Self-Employed Individuals

  • Age: 21-65 years
  • Income: Income Tax Return (ITR) more than ₹8.4 Lakhs per annum

Rewards and Benefits of Regalia Gold Credit Card 

The Regalia Gold credit card is appropriate for individuals who are looking to enhance their lifestyle with every transaction. It offers a blend of luxury and functionality designed to meet its users’ high expectations.


Reward Points Accrual

  • Earn 5X reward points on lifestyle brands – Myntra, Marks & Spencer, Reliance Digital and Nykaa
  • Earn 4 reward points for every ₹150 spent on daily & retail spends (like grocery, apparel, utility/ bill pay, insurance, school fees, etc.)

Reward Point Redemption

  • Redeem reward points against the exclusive gold catalogue at value of 1RP = ₹0.65
  • Redeem rewards against airmiles at value of 1RP = Up to 0.5 Miles
  • Redeem rewards against vouchers and catalogue at value of 1RP = Up to ₹0.35

Milestone Benefit

  • Get ₹1,500 vouchers from Marriott, Myntra, Marks & Spencer, or Reliance Digital when you spend ₹1.5 lakhs in every calendar quarter.
  • Get ₹5,000 worth of Smartbuy Flight vouchers when you spend ₹5 lakhs
  • Get an additional ₹5,000 worth of Smartbuy Flight vouchers when you spend ₹7.5 lakhs


Welcome Benefit

When you apply for the HDFC Bank Regalia Gold credit card and pay the ₹2,500 membership fee, you’ll receive a gift voucher for the same amount. Additionally, spend ₹1 lakh within the first 90 days of card issuance to earn a complimentary Club Vistara Silver Tier and MMT Black Elite Membership, with terms and conditions apply.

Lounge Access

With 12 complimentary accesses within India and up to 6 international lounge visits through the priority pass for the cardholder and an add-on member, it sets a high standard for travel comfort. Charges apply for additional visits and certain lounges not covered by the program, maintaining a focus on providing luxurious travel perks globally. 

Insurance Benefit

Cardholders can avail of an air accidental death cover of up to ₹1 crore if they sustain bodily injuries due to an air accident that results in death. Additionally, if you are hospitalized outside India while traveling, the policy covers you for emergency overseas hospitalization up to ₹15 lakh. Also, in case of the cardholder’s death, the card liability cover helps settle the pending debts of up to ₹9 lakh.

Other Advantages

The HDFC Bank Regalia Gold credit card enriches your lifestyle with exclusive services and 24/7 concierge services that are supported to meet your needs. Also, experience luxury dining with Swiggy Dineout’s Good Food Trail program, which offers up to 20% off restaurant bills at over 20,000 outlets. This Regalia Gold card values modern technology through contactless payments, allowing for fast, secure, and convenient transactions at retail outlets. You can tap your card without a PIN for transactions up to ₹5,000 for smaller purchases.

Regalia Gold Credit Card  Fees and Interest

The fees and interest rates associated with premium credit cards, including the Regalia Gold card, should be carefully considered before applying for and using the card. For those interested in the financial details of this card, these are as follows:

Joining Fee₹2,500+ applicable taxes
Renewal Fee₹2,500+ applicable taxes
Annual Fee₹2,500 (waived off on spending ₹4 lakh in a year)
Late Payment FeeLess than ₹100: None
₹100 to ₹500: ₹100
₹501 to ₹5,000: ₹500
₹5,001 to ₹10,000: ₹600
₹10,001 to ₹25,000: ₹800
₹25,001 to ₹50,000: ₹1,100
More than ₹50,000: ₹1,300
Foreign Transaction Fee2%

Pros & Cons

The Regalia Gold credit card is designed to offer convenience and a range of exclusive features. There are specific advantages and limitations as following:

  • Attractive reward points
  • Luxurious lounge access
  • Welcome and milestone benefits
  • High income eligibility
  • Foreign transaction fees
  • Limit benefits

Pros Explained

  • Cardholders earn points on every purchase, which can be accumulated and redeemed for various rewards, including travel bookings, hotel stays, and shopping vouchers. This system ensures that every spend brings immediate satisfaction and contributes towards future rewards.
  • Offering complimentary entries to airport lounges both within India and internationally, this service provides a retreat of calm and luxury. Particularly, it appeals to frequent flyers, allowing them to enjoy amenities like Wi-Fi, food, and beverages.
  • The Regalia Gold credit card greets its new members by offering attractive welcome gifts that might include vouchers or bonus points. Additionally, reaching certain spending milestones within specified periods unlocks further benefits for their loyalty and usage.

Cons Explained

  • To qualify for the Regalia Gold credit card, applicants must meet certain income criteria, which vary depending on their employment status (salaried or self-employed). Therefore, the high exclusivity of the card enhances its standing but also restricts its availability to a wider range of consumers.
  • Cardholders planning to use this card for international expenses must consider the foreign transaction fees. These fees are applied to purchases made outside the home country, potentially adding a significant cost to overseas spending. 
  • Certain lounge access and premium memberships are only available for specific time frames. As a result, high spenders may benefit from this system, whereas others who use their cards more carefully or only occasionally may not be able to access some of the most beneficial advantages.

Is Regalia Gold Credit Card Worth Considering?

Regalia Gold Credit considering

The Regalia Gold credit card’s worth is based on your spending and lifestyle. Therefore, its perks, including lounge access and dining discounts, can further enhance such experiences, making it the perfect choice for individuals who enjoy traveling and living in luxury. Its effectiveness depends on your ability to meet income requirements and determine whether the benefits balance the annual charge and overseas transaction fees. Accordingly, it’s important to evaluate how well this card matches your spending habits and lifestyle compared to other premium options.


1. What is the Regalia Gold credit card?

The Regalia Gold credit card is a premium credit card offered by HDFC Bank, designed for individuals who seek luxury and exclusive benefits. It offers a range of perks, including lounge access, dining discounts, and etc.

2. What is the difference between an HDFC Regalia Gold credit card and an HDFC Regalia?

The main difference lies in the level of benefits and eligibility criteria. The Regalia Gold card often comes with more exclusive perks, higher reward point earnings, and may have stricter income eligibility requirements than the HDFC Regalia credit card.

3. What type of insurance coverage is provided with the Regalia Gold credit card?

The Regalia Gold credit card typically offers comprehensive insurance coverage, including travel insurance, accidental death insurance, and sometimes coverage for lost cards or fraud. However, The specifics can vary, so checking the current policy details is essential.

4. How much is the maximum cost of using contactless payment?

In India, you can make a contactless payment of up to ₹5000 in a single transaction without being required to input your credit card PIN. However, if the amount is higher than or equal to ₹5,000, the cardholder has to enter the credit card PIN for security reasons.

5. What minimum income is required to apply for a Regalia Gold credit card?

Both salaried and self-employed individuals are generally required to have an annual income exceeding ₹8.4 lakhs, evidenced by salary statements or income tax returns (ITRs) respectively

Related Articles:

Read more: Credit Card Reviews

By FinxpdX Team
By FinxpdX Team
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