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mid-tierpointsHDFC Bank · Visa
HDFC Bank Regalia Gold Credit Card
Base earn revised May 2026: 5 RP per ₹200 (2.5 RP per ₹100). 5X on Myntra, Nykaa, Marks & Spencer, Reliance Digital (12.5 RP/₹100). Up to 10X via HDFC SmartBuy on flights/hotels (25 RP/₹100).
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 | 25× / ₹100 |
| online | 12.5× / ₹100 |
freebies
| welcome gift | ₹2,500 gift voucher from premium retail partners on payment of joining fee |
|---|
where your points fly
move points to these airlines & hotels at the ratio shown (lower = better).
- Singapore Airlines KrisFlyer2:1
- Marriott Bonvoy2:1
- Accor Live Limitless2:1
- Air France-KLM Flying Blue2:1
- British Airways Executive Club2:1
- Qatar Airways Privilege Club2:1
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 2026-05-28. apply links may carry an affiliate tag — see our disclosure.