- Joining fee
₹2,500 + GST
- Annual fee
₹2,500 + GST
- Best suited for
Travel, Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
5 Reward Points/₹200 on All Eligible Retail Spends, Including Utilities, Insurance, and Education. 25 Reward Points/₹200 for Myntra, Marks and Spencer, Nykaa, and Reliance Digital Spends
- Welcome benefits
Voucher Worth ₹2,500
- Reward redemption
Redeem RPs for flight/hotel bookings via the Smartbuy portal at the rate of 1 RP = Rs. 0.50, convert RPs into airmiles through Netbanking at the rate of 1 RP = 0.50 Airmiles, Redeem RPs for products and gift vouchers on the Smartbuy portal at the rate of 1 RP = Rs. 0.35, and Redeem RPs against the Exclusive Gold Catalogue on Smartbuy at the rate of 1 RP = Rs. 0.65
Benefits
- Movie & dining
₹200 Off on Swiggy Dineout (Twice Each Month)
- Travel
Complimentary Flight Tickets on Reaching Spend Milestones
- Domestic lounge
3 Complimentary Domestic Airport Lounge Access Every Quarter (12 Each Year) on Spends of ₹60,000 or More in the Previous Quarter
- International lounge
6 International Lounge Visits Via Priority Pass (For Both Primary and Add-on Cardholders)
- Insurance
Air Accident Death Cover Up to ₹1 Crore, Emergency Overseas Hospitalisation Cover Worth ₹15 Lakhs, Credit Liability Cover Up to ₹9 Lakhs
Fees & charges
- Spend-based waiver
Renewal Fee Waiver on Spending Rs. 4 Lakh in a Year
- Rewards redemption fee
₹99 + GST
- Foreign currency markup
2% + GST
- Interest rates
3.75% (45% Annually)
- Cash advance charges
2.5% of total amount or Rs. 500, the higher one
Product highlights
- Complimentary MMT Black Gold and Swiggy One membership on spending over ₹1 lakh within 90 days of getting the card issued.
- 1,500 worth of vouchers from any one of M&S, Myntra, Reliance Digital, or Marriott on spending ₹1.5 Lakhs each quarter
- 5,000 worth of complimentary flight vouchers on spending ₹7.5 Lakhs in the card anniversary year
- 5 Reward Points on every retail spend of ₹200 and 5X accelerated Reward Points on every ₹200 spent on purchases at M&S, Nykaa, Myntra, and Reliance Digital
- 12 complimentary lounge access in India at both international and domestic terminals every year
- Six complimentary lounge access outside India through the Priority Pass
- Renewal fee waiver on spending ₹4 Lakhs in the card anniversary year
- Low foreign currency markup fee of 2%
Pros & cons
Pros
- Enjoy the exclusive 24/7 concierge service that comes with the Regalia Gold Credit Card.
- You can enjoy access to both domestic and international lounges, with 12 and 6 visits per year, respectively.
Cons
- A fee of ₹99 is applicable for reward redemption.
- Card renewal fee waiver is at a high cost of ₹4 lakhs.
Eligibility
| Criteria | Salaried | Self-employed |
|---|---|---|
| Age | 21 to 65 Years | 21 to 60 Years |
| Income | Annual Income ₹18 Lakh | Minimum ₹1 Lakh Monthly |
FAQs
Do I get a welcome benefit with the Regalia Gold credit card?
Yes, as a welcome benefit, you will receive a complimentary membership of MMTBLACK Gold and a Swiggy One membership. To avail of the offer, you must spend ₹1 Lakh or above within 90 days of the card issuance date.
What is the reward rate on this credit card?
You get 5 Reward Points on every spend of ₹200 on retail, including insurance, utilities, and education. You get accelerated 25 reward points on every spend of ₹200 on Mark and Spencer’s, Myntra, Nykaa, and Reliance Digital.
Can I get a complimentary flight ticket with this credit card?
Yes, you can get a complimentary flight ticket voucher to achieve a spend-based milestone. On spending ₹7.5 Lakhs or more in a card anniversary year, you get a complimentary flight ticket worth ₹5000. When you reach the spend milestone, the benefit will be unlocked, and you can generate the voucher code.
What are the annual fees of the Regalia Gold Credit Card?
The HDFC Regalia Gold credit card has a joining and annual fee of ₹2500 plus taxes. However, you can get an annual fee waiver if you spend ₹4 Lakhs or above in the card’s anniversary year.