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HDFC Regalia Gold Credit Card
HDFC Bank Cashback Credit Cards 4.8/5

HDFC Regalia Gold Credit Card

Joining Fee
₹ 2,500
Annual Fee
₹ 2,500
Min. Income
₹25,000 / month
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Welcome Gift & Joining Perks

Gift voucher worth ₹2,500 on Marriott, Myntra, Marks & Spencer on spending ₹1 Lakh in 90 days.

Reward Rate & Valueback

Base Reward Rate 4 Reward Points per ₹150 spent
Cashback & Accelerated Rewards 5X rewards on Marks & Spencer, Myntra, Nykaa & Reliance Digital.
Annual Fee Waiver Spend ₹4 Lakh in a year for annual fee waiver
Fuel Surcharge Waiver 1% fuel surcharge waiver across all fuel stations in India.
Airport Lounge Access 12 complimentary airport lounge access per year (Domestic & International).
Travel & Insurance Perks Complimentary Club Vistara Silver Tier and MMT Black Elite Membership.

Pros and Cons

What We Like (Pros)
  • Excellent reward redemption on SmartBuy
  • Complimentary domestic & international lounge access
  • Milestone flight tickets & voucher benefits
Things to Consider (Cons)
  • High annual fee of ₹2,500
  • Lower rewards on utility & rent payments

Eligibility & Documentation

Basic Eligibility:

Applicant must be an Indian resident aged 21-65 years with a regular verifiable income source and minimum CIBIL score of 720+.

Documents Required:

Identity Proof (PAN Card, Aadhaar Card), Address Proof (Passport, Voter ID, Utility Bill), and Income Proof (Last 3 months salary slips or latest ITR).

Ready to Apply?

Apply directly through the official bank portal for fast-track processing.

Apply Now on HDFC Bank
Last verified: August 2026. Fees and terms subject to bank discretion.
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