HDFC

HDFC Regalia Gold Credit Card

Apply for HDFC Regalia Gold Credit Card. Earn 5X rewards on Myntra & Nykaa, 12 domestic & 6 international lounge visits & ₹5,000 flight vouchers on milestone spends. Best for frequent travellers.

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Issued by

HDFC

HDFC Regalia Gold Credit Card image
Joining Fee₹2500
Annual Fee₹2500
Income₹150000
Credit Score750

Key Highlights

Shopping

Earn 10X SmartBuy Points on IGP.com, Jockey and Pharmeasy

transactions through SmartBuy, within the Regalia SmartBuy cap of 4,000 reward points per month and 2,000 per day

Travel

Earn SmartBuy Travel Rewards on Flights, Hotels, RedBus

instant vouchers, Apple Imagine, Zoomcar and MMT Holiday Packages with 5X or 10X reward points through SmartBuy for Regalia cards, redeemable at 1 Reward Point = Rs. 0.50 for up to 70% of flight and hotel booking value

Earn 10X SmartBuy Points on IGP.com, Jockey and Pharmeasy

transactions through SmartBuy, within the Regalia SmartBuy cap of 4,000 reward points per month and 2,000 per day

Travel

Enjoy 3 Domestic Lounge Visits per Calendar Quarter

on ₹60,000 previous-quarter spends plus 6 international lounge visits a year via Priority Pass, along with a MakeMyTrip BLACK Gold membership

Shopping

Earn 5X Rewards on Myntra, Nykaa, Reliance Digital

spends above ₹150 with 5,000 bonus points capped per month, plus Nykaa and Myntra SmartBuy spends within 4,000 points per month and 2,000 per day

Enjoy 3 Domestic Lounge Visits per Calendar Quarter

on ₹60,000 previous-quarter spends plus 6 international lounge visits a year via Priority Pass, along with a MakeMyTrip BLACK Gold membership

Eligibility

Age Criteria21-60

Applicants must be between 21 and 60 years at the time of application.

Credit Score750

A CRIF score of 750 or above is required as per the bank’s eligibility criteria.

Salaried Income₹18 LPA

Minimum Annual Income of ₹18 LPA is required to apply for the SBI Cashback Credit Card, as per bank eligibility.

Self-employed Income₹18 LPA

Minimum Annual Income of ₹18 LPA is required to apply for the SBI Cashback Credit Card, as per bank eligibility.

Employment TypeSelf Employed, Salaried
New to CreditNot eligible

Fees & Waivers

Joining Fee₹2500

A one-time joining fee is charged at the time of card issuance as per the bank’s policy.

Joining Fee OffsetThe ₹2,500 + applicable taxes joining fee is effectively offset through a ₹2,500 welcome voucher, redeemable across select partner brands. Additionally, the card may be offered as First Year Free (FYF) during select bank promotions, in which case the joining fee is fully waived at issuance.
Annual Fee₹2500

The annual fee is charged every year and may be waived if you meet the bank’s spending conditions.

Annual Fee WaiverThe annual fee is waived if you spend ₹4 lakh or more in a year on your card, as per bank policy.
Estimated Annual Saving₹25000

Rewards & Redemption

Reward Conversion1 RP = ₹ 0.20
Redemption Options
  •  SmartBuy 
Earning ExclusionsFuel Transactions, Rent Payments, Wallet Loads, Cash Withdrawals, EMI Transactions, Government and Statutory Payments, Education Payments, Insurance Premium Payments, Utility Bill Payments, Railway Ticket Bookings, Gift Card or Voucher Purchases, Gambling or Lottery Transactions, Cryptocurrency or Digital Asset Transactions
Spend ExclusionsFuel Transactions, Rent Payments, Wallet Loads, Cash Withdrawals, EMI Transactions, Government and Statutory Payments, Education Payments, Insurance Premium Payments, Utility Bill Payments, Railway Ticket Bookings, Gift Card or Voucher Purchases, Gambling or Lottery Transactions, Cryptocurrency or Digital Asset Transactions

Benefits

All Benefits

  • Earn 4 Reward Points per ₹200 on retail spends
  • 5X Reward Points on Myntra, Nykaa, Reliance Digital & select merchants (capped at 5,000 RP per month)
  • Reward Points capped at 50,000 per statement cycle
  • Reward Points redemption value: Flights/Hotels ₹0.5 per RP, Catalogue ₹0.65 per RP, Cashback ₹0.20 per RP
  • Quarterly milestone: ₹1,500 voucher on spends of ₹1.5 lakh per quarter

Welcome Benefits

  • Complimentary Swiggy One membership on spends of ₹1 lakh within first 90 days
  • Complimentary MMT Black Gold membership on spends of ₹1 lakh within first 90 days

Flight Benefits

  • ₹5,000 flight voucher on annual spends of ₹7.5 lakh
  • ₹5,000 flight vouchers also on milestone spends of ₹5 lakh and ₹7.5 lakh
  • Redeem Reward Points for flights and hotels up to 70% of booking value
  • Redemption capped at 50,000 Reward Points per calendar month for travel bookings

Airport Lounge Benefits

  • 3 complimentary lounge visits within India per calendar quarter on spends of ₹60,000 or more in the preceding calendar quarter
  • 6 complimentary international lounge visits per calendar year outside India via Priority Pass

Milestone Benefits

Minimum Spend₹150000
Within90 days
Voucher Bonus₹1500

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

FAQ

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