HDFC Bank Regalia Gold Credit Card

Card Details

Issuer: HDFC Bank
Card type: Premium
Joining fee: ₹2,500 + GST
Annual fee: ₹2,500 + GST
Rewards currency: Reward Points

Highlights

1 RP = up to 0.5 air mile via airline partners
Unlock Swiggy One and MMT Black Gold after ₹1 lakh spend in 90 days.
Earn 5X rewards on Myntra, flight bookings, and gift vouchers through SmartBuy.
Earn 10X rewards on PharmEasy, hotel bookings, and IGP through SmartBuy.

Welcome, annual & renewal benefits

Regalia Gold unlocks lifestyle memberships and a joining voucher when you meet the initial spend requirement.

Benefit	Details
Welcome memberships	Swiggy One and MMT Black Gold after ₹1,00,000 spend in 90 days
Joining voucher	₹2,500 travel voucher issued after the joining fee posts
Annual fee	₹2,500 + GST (charged yearly)
Renewal fee waiver	₹4,00,000 in a membership year

Eligibility

Monthly Income greater than ₹1,50,000

Reward earning

Build a healthy Reward Points balance on every purchase and supercharge partner merchant spends.

Spend type	Earn rate	Reward Rate	Accor reward rate
Regular spends	4 RP / ₹150	1.3%	2.6%
Smartbuy Flights	20 RP / ₹150	6.6%	13.2%
Smartbuy Hotels	40 RP / ₹150	13.2%	26.4%
Smartbuy Gyftr	20 RP / ₹150	6.6%	13.2%
Smartbuy Train	12 RP / ₹150	4%	8%

5X points partner on SmartBuy - Myntra, MakeMyTrip Holiday, Redbus and others
10X points partner on SmartBuy - PharmEasy, Jockey and more
A maximum of 2,000 accelerated RPs can be earned in 1 day
A maximum of 4,000 accelerated RPs can be earned in a calendar month
Exclusions - fuel, wallet, rent and tax payments.

Redemption options

Redeem via HDFC SmartBuy for maximum value or move points to airline partners when conversions align with your itinerary.

Airline partners convert at up to 1 RP : 0.5 air mile.
You can cover up to 70% of a booking's value with Reward Points.
Accor is the sweet spot as it gives 1 RP = ₹1 value.

Channel	Value
SmartBuy exclusive catalog	1 RP = ₹0.65
SmartBuy flights & hotels	1 RP = ₹0.50 (up to 50,000 RP/month)
Products & vouchers	Up to ₹0.35 per RP
Statement credit	₹0.20 per RP (cap 50,000 RP/month)

Milestone bonuses

Stay on track each quarter and anniversary year to scoop extra travel value.

Milestone	Reward
₹1,50,000 spend each quarter	₹1,500 voucher from brands like Marriott, Myntra, MMT, Marks & Spencer, Reliance Digital
₹5,00,000 annual spend	₹5,000 flight voucher
₹7,50,000 annual spend	Additional ₹5,000 flight voucher

Lounge & travel comforts

Priority Pass visits beyond the quota bill at US$27.
Enjoy Good Food Trail dining offers with flat 10% off at thousands of restaurants via Dineout.

Access type	Allowance	Notes
Domestic lounges	12 visits / year	Swipe the card at terminals across India
International lounges (Priority Pass)	6 visits / year	Usage within India is chargeable, add-on cards need their own Priority Pass

Review

Regalia Gold is a solid offering from HDFC bank. Can work as a voucher card if you plan to redeem on Accor Hotels. Outside Accor Value is good but not great. Thre real bummer is daily cap of 2000 accelerated Reward points and monthly capping of 4000 accelerated Reward points. Those limits get exhausted fast