Credit Card Compare

HDFC Bank Regalia Gold Credit Card

Data last updated 7 October 2026
45.00%
Purchase rate
₹2,500
Annual fee
50 days
Interest-free
Application

CardIQ

46Fair

Fair

Overall score, out of 100 · How this works

  • Airport lounge45
  • Rewards36
  • Travel58

Customer reviews

No reviews yet. Be the first to review the HDFC Bank Regalia Gold Credit Card.

Pros & cons

What's good

  • Complimentary airport lounge access (6 visits a year).
  • 2% foreign transaction fee, below the 3.5% most cards charge.
  • No fee to add an additional cardholder.

Worth noting

  • Plus GST. Same joining and renewal fee; renewal waived if you spend ₹4,00,000 a year. The ₹2,500 annual fee is still toward the top of the market (the median is ₹999).
  • Earns 5 Reward Points per ₹200 on everyday spend, around the dataset average.
  • Points earning is capped at 50,000 points a month.
  • Requires a minimum income of ₹12,00,000 a year.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
HDFC Bank Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
₹12,00,000 p.a.
Residency
Indian nationality; salaried aged 21 to 60 (net monthly income above ₹1,00,000 government, above ₹1,50,000 non-government); self-employed aged 21 to 65 (ITR above ₹18 lakh a year)
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹2,500 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
2%
Late payment fee
₹1,300
Over limit fee
₹550

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
5% of (retail spends + cash advance + finance charge) plus GST, EMI amounts, 100% of fees and charges and any over-limit amount; where 5% is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (HDFC Bank MITC, from June 2025)

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
5 Reward Points per ₹200
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Maximum 50,000 points per month
Points expiry
Valid for 2 years from the date of accumulation (reward points terms PDF)

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate45.00%Tied for best (1st of 11 cards)
Interest-free days50 daysTop 10% (2nd of 11 cards)
Overseas fee2.00%Top 25% (3rd of 11 cards)
Rewards value₹11,250 a yearBetter than most (3rd of 7 cards)
Annual fee₹2,500 a yearNot as good as most cards (9th of 11 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
HDFC Bank