HDFC Bank Regalia Gold Credit Card
Base earn 5 RP per ₹200 (2.5 RP per ₹100), capped at 50,000 RP per statement cycle. Accelerated earn via HDFC SmartBuy (verified on the Regalia Gold portal): hotels/Stay 10X (25 RP/₹100), flights / bus / holiday packages / duty-free 5X (12.5 RP/₹100), trains 3X (7.5 RP/₹100); online stores 5X–10X (Myntra & Apple Imagine 5X; IGP, Jockey & PharmEasy 10X). Also ₹1,500 Myntra/Nykaa voucher on ₹1.5L quarterly spend. RP value: flights/hotels ₹0.50, airmiles up to 0.5/RP, vouchers up to ₹0.35; up to 70% of a travel booking payable in RP. Transfer ratios verified on the HDFC SmartBuy points-transfer portal: 1 RP = 0.5 partner unit (2:1) for most airlines/hotels; 1 RP = 0.33 (3:1) for Qatar, Air India, Aeroplan, Cathay, Etihad, Thai, British Airways and Marriott Bonvoy.
what it costs
| joining fee | ₹2,500 |
|---|---|
| annual fee | ₹2,500 |
| how to dodge the fee | Annual fee waived on ₹4,00,000 spend in the preceding anniversary year |
| forex markup | 2.0% + GST |
how you earn
every ₹100 you swipe earns you points in Regalia Gold Reward Points.
| default | 2.5× / ₹100 |
|---|---|
| travel | 12.5× / ₹100 |
| online | 12.5× / ₹100 |
freebies
| welcome gift | Complimentary Swiggy One + MMT Black Gold membership on ₹1,00,000 spend within the first 90 days |
|---|---|
| spend ₹5,00,000 | ₹5,000 flight voucher |
| spend ₹7,50,000 | ₹5,000 flight voucher (additional, on ₹7.5L) |
where your points fly
move points to these airlines & hotels at the ratio shown (lower = better).
- Singapore Airlines KrisFlyer2:1
- SpiceJet SpiceClub2:1
- Avianca LifeMiles2:1
- Finnair Plus2:1
- Air France-KLM Flying Blue2:1
- Vietnam Airlines LotusMiles2:1
- AirAsia BIG Rewards2:1
- Turkish Airlines Miles&Smiles2:1
- Qatar Airways Privilege Club3:1
- Air India Maharaja Club3:1
- Air Canada Aeroplan3:1
- Cathay Pacific Asia Miles3:1
- Etihad Guest3:1
- Thai Airways Royal Orchid Plus3:1
- British Airways Executive Club3:1
- Club ITC2:1
- Accor Live Limitless2:1
- IHG One Rewards2:1
- Radisson Rewards2:1
- Marriott Bonvoy3:1
extras
| domestic lounges | 12/year (max 3/quarter, requires ₹60,000 spend in preceding calendar quarter) |
|---|---|
| international lounges | 6/year via Priority Pass (unconditional) |
| who can apply | Salaried with net monthly income > ₹1L, or self-employed with ITR > ₹12L p.a. |
want it?
all numbers checked against the bank's page on 2026-05-31. apply links may carry an affiliate tag — see our disclosure.