HDFC Bank Regalia Gold Credit Card– Premium Travel & Lifestyle Card for High-Spenders
HDFC Bank • Reward Points
Description
Annual Fees
Welcome Benefits
🎉 ₹2,500 Gift Voucher
Receive a ₹2,500 worth gift voucher from leading brands upon payment of joining fees.
🎁 Complimentary Memberships (on ₹1L spend within 90 days):
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Club Vistara Silver Tier: Enjoy 1 complimentary class upgrade voucher, priority check-in, extra baggage, and 9 CV Points per ₹100 spent.
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MakeMyTrip Black Elite Membership: 10% discount on hotels, early check-ins, free room upgrades, F&B discounts, and exclusive access to MMT Black Fest.
📅 Membership validity: 1 year
Rewards
🪙 Reward Structure
| Category | Reward Rate | Capping |
|---|---|---|
| Retail, Utilities, Insurance, Education | 4 Reward Points per ₹150 | 2,000 RPs/month (grocery), 2,000 RPs/day (insurance) |
| Partner Brands (Myntra, M&S, Nykaa, Reliance Digital) | 20 Reward Points per ₹150 | Up to 5,000 RPs/month |
| All Other Spends | 4 Reward Points per ₹150 | Standard limit |
💡 1 RP ≈ up to ₹0.65 value depending on redemption type.
🎯 Reward Redemption Options
| Redemption Type | Value per RP | Platform |
|---|---|---|
| Flights/Hotels | ₹0.50 | SmartBuy Portal |
| Airmiles Conversion | 0.50 Airmiles | NetBanking |
| Products/Gift Vouchers | ₹0.35 | SmartBuy |
| Exclusive Gold Catalogue | ₹0.65 | SmartBuy |
| Cashback | ₹0.20 | Statement credit (max 50,000 RPs/month) |
🧠 Tip: Use your points for travel via SmartBuy to maximize value.
🎯 Milestone Benefits
Quarterly Milestones
Spend ₹1.5 Lakhs in a calendar quarter to earn ₹1,500 worth vouchers from brands like:
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Marks & Spencer
-
Myntra
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Marriott
-
Reliance Digital
(One voucher per brand per quarter.)
Annual Milestones
-
Spend ₹5 Lakhs → ₹5,000 flight vouchers
-
Spend ₹7.5 Lakhs → Additional ₹5,000 flight vouchers
💼 Total potential bonus: ₹10,000/year in travel vouchers.
✈️ Travel & Lounge Privileges
| Category | Benefit | Notes |
|---|---|---|
| Domestic Lounge Access | 12 free visits/year | At both domestic & international terminals within India |
| International Lounge Access | 6 visits/year | Through Priority Pass |
| Priority Pass Activation | Available after 4 card transactions | Extra visits: USD 27 + GST |
✈️ Perfect for frequent travelers seeking comfort and convenience.
🛡️ Insurance & Protection
| Type | Coverage |
|---|---|
| Accidental Air Death Cover | ₹1 Crore |
| Emergency Hospitalization (Overseas) | ₹15 Lakhs |
| Credit Liability Cover | ₹9 Lakhs |
🧳 Travel confidently with comprehensive global protection.
Eligibility
| Applicant Type | Age | Income Requirement |
|---|
| Salaried (Non-Govt) | 21–60 yrs | ₹1.5L/month |
| Salaried (Govt) | 21–60 yrs | ₹1L/month |
| Self-Employed | 21–65 yrs | ₹18L/year |
📌 Recommended Credit Score: 750+
Fees
| Fee Type | Amount | Waiver Condition |
|---|---|---|
| Joining Fee | ₹2,500 + GST | ₹2,500 voucher on joining |
| Renewal Fee | ₹2,500 + GST | Waived on ₹4 L annual spend |
💡 Essentially a free card for high spenders.
Documents Needed
ID Proof: PAN Card, Aadhaar Card
Address Proof: Passport / Utility Bill / Aadhaar
Income Proof: Last 3 months' salary slips / ITR
Recent Photograph
Final Summary
The HDFC Bank Regalia Gold Credit Card is built for premium users who travel frequently and spend across lifestyle, fashion, and dining categories.
With up to 20 Reward Points per ₹150 on partner brands, free lounge access, and complimentary premium memberships, it stands as one of the best mid-premium travel credit cards in India for 2025.
Add in the ₹10,000 milestone benefits, ₹1 Crore insurance, and annual fee waiver — and it’s a strong value proposition for professionals, business travelers, and luxury shoppers alike.
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