HDFC Bank
HDFC Regalia Gold Credit Card
- Lifetime FREE on Rs.3L spend
- 8 lounges per year
- 4x rewards on dining
- Zero joining fee
5,000-point welcome bonus ends in — apply before it expires
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Earn Rs.500 cashback via Flashprice
Apply Now — Get Rs.500 Cashback
Apply Now- Instant online application
- Secure & encrypted
- 2-minute process
How to earn your Rs.500 cashback
- Click Apply Now above (your click is tracked).
- Complete the application on the bank website.
- Once the card is approved and activated, cashback is confirmed.
- Cashback credited to your Flashprice wallet within 60 days.
Valid for first-time applicants only. Application must be completed in the same session. Flashprice reserves the right to modify cashback amounts.
Card Snapshot
Key facts at a glance
| Bank | HDFC Bank |
|---|---|
| Network | Visa Signature |
| Joining Fee | Rs.0 (FREE) |
| Annual Fee | Rs.2,500 (waived on Rs.3L spend) |
| Welcome Bonus | 5,000 reward points |
| Reward Rate | 4 pts per Rs.150 (2.66%) |
| Lounge Access | 8/year (domestic + intl) |
| Fuel Surcharge | 1% waiver |
| Interest Rate | 3.49%/month (41.88% APR) |
| Min Income | Rs.5,00,000/year |
Reward Calculator
See your annual rewards
Annual reward value
Rs.0
Annual fee waived at this spend
Adjust each slider to match your monthly spend. Reward value updates live.
Detailed Benefits
Everything this card offers
Reward Points & Cashback
4 points per Rs.150 on dining (10x bonus). 2 points per Rs.150 on all other categories.
- 1 point = Rs.0.50 in value
- Redeem for flights, Amazon vouchers, statement credit
- Points expire after 2 years
Lounge Access
8 complimentary visits per year across domestic and international lounges.
- Domestic: 6 visits via Priority Pass
- International: 2 visits via DreamFolks
- Guest charge: Rs.1,500 per visit
Travel Benefits
Comprehensive travel protection included with every card.
- Air accident cover: Rs.1 crore
- Travel insurance: Rs.50 lakh
- Baggage protection: Rs.50,000
- Lost card liability: Rs.0 with PIN
Shopping & Lifestyle
Partner offers and EMI options across major brands.
- Up to 25% off on Smartbuy partners
- Convert any spend above Rs.10,000 to EMI
- Milestone bonus: 10,000 pts on Rs.5L annual spend
Fuel & Transport
1% fuel surcharge waiver up to Rs.500 per month.
- Valid at: HPCL, IOCL, BPCL
- Min transaction: Rs.400
- Max transaction: Rs.5,000 per visit
Airport Lounge Access
Where this card gets you in
Find your home airport and the lounges your card covers.
Mumbai Chhatrapati Shivaji Maharaj Intl (BOM) Domestic + Intl
- Adani Lounge
- Travel Club Lounge
Delhi Indira Gandhi Intl (DEL) Domestic + Intl
- Encalm Lounge
- Plaza Premium
Bengaluru Kempegowda Intl (BLR) Domestic
- 080 Lounge
- Plaza Premium
Hyderabad Rajiv Gandhi Intl (HYD) Domestic
- Plaza Premium Lounge
Chennai Chennai Intl (MAA) Domestic + Intl
- Travel Club Lounge
Fee Structure
All fees, nothing hidden
| Joining Fee | Rs.0 |
|---|---|
| Annual Fee | Rs.2,500 |
| Fee Waiver | Spend Rs.3,00,000/year |
| Late Payment | Rs.500 - Rs.1,200 |
| Over-limit | 2.5% of excess |
| Cash Advance | 2.5% (min Rs.500) |
| Foreign Currency | 2% markup |
| EMI Processing | Rs.199 per conversion |
| Card Replacement | Rs.200 |
Get a script to waive your annual fee Read this to the bank's retention desk — most fees are negotiable
Hello, I've been a loyal HDFC Regalia Gold cardholder and I genuinely value the card's benefits. I noticed the Rs.2,500 annual fee on my latest statement. Given my spending history with the card, and that comparable cards now offer similar benefits fee-free, I'd like to request a waiver of this year's fee or an equivalent retention bonus in reward points. Could you please tell me what options are available on my account today?
Tip: call the number on the back of your card and ask for "retentions".
Eligibility Checker
Will you qualify?
Documents you'll need:
- PAN Card
- Aadhaar
- Salary slips (3 months)
- Bank statement (6 months)
How to Apply
3 steps to your new card
-
1
Click Apply Now
Tap the Apply button on this page. Your click is tracked for cashback.
-
2
Fill the form
Complete the online application on the bank website (about 2 minutes).
-
3
Get your card
Card delivered in 7-10 days. Your Rs.500 cashback credits within 60 days of approval.
Before You Apply
Documents you'll need to keep ready
Card Comparison
How it stacks up
| Feature | HDFC Regalia Best Value | Axis Magnus Best Travel | ICICI Sapphiro Best Cashback |
|---|---|---|---|
| Annual fee | Rs.2,500 | Rs.10,000 | Rs.3,500 |
| Reward rate | 2.66% | 3.33% | 2.00% |
| Lounge / year | 8 | 16 | 6 |
| Forex markup | 2.0% | 0.0% | 1.5% |
Scroll to compare
Also compare with
Add another card to compare it side by side.
Audience Fit
Who is this card for?
Best for
- Frequent Travelers
- Online Shoppers
- First-Time Premium Holders
Not ideal for
- Low spenders (under Rs.15K/month)
AI Review Summary
What 12,847 cardholders actually think
What users love
Cardholders consistently praise the dining rewards and the fast, frictionless approval process. The 8 annual lounge visits are the single most-mentioned perk at this fee level.
Common complaints
The most common gripe is the 2% foreign-currency markup, which adds up on international spends. A handful of users also flag slow customer-service response times during disputes.
User Reviews
What cardholders say
Rewards
4.7
Customer Service
3.4
App Experience
4.2
Approval Speed
4.5
Excellent lounge access and the dining rewards are unbeatable. Approval was fast.
Good card overall. Forex markup is the only annoying part for international travel.
Customer service is slow to respond but the card itself is solid.
The Verdict
Pros & Cons
Pros
- Lifetime free on Rs.3L annual spend
- Excellent lounge access across India
- Great reward rate on dining (10x)
- Strong welcome bonus of 5,000 points
Cons
- High foreign currency markup (2%)
- No complimentary Priority Pass membership
- Limited fuel waiver cap
Refer & earn
You both get Rs.500 cashback
- 1 Share your unique link with a friend
- 2 They apply and get approved
- 3 You both earn Rs.500 cashback
Questions Answered
Frequently Asked Questions
Is HDFC Regalia Gold lifetime free?
It is free for life if you spend Rs.3,00,000 or more in a year. Otherwise the Rs.2,500 annual fee applies.
How many lounge visits do I get per year?
8 complimentary visits per year - 6 domestic via Priority Pass and 2 international via DreamFolks.
What is the reward rate on online shopping?
2 reward points per Rs.150 spent on online purchases. Points are worth Rs.0.50 each.
How do I apply for HDFC Regalia Gold?
Click the Apply Now button on this page. Fill the online form on the HDFC website. Card is delivered in 7-10 days.
What credit score do I need?
A credit score of 750 or higher is recommended for approval. Scores between 700-749 may be considered case by case.
Is there a joining fee?
No, the joining fee is Rs.0. Only the annual fee of Rs.2,500 applies, which can be waived on Rs.3L annual spend.
How can I waive the annual fee?
Spend Rs.3,00,000 or more in a card year. The fee is automatically waived at the next anniversary.
HDFC Regalia Gold vs Infinia - which is better?
Regalia Gold is better for moderate spenders (Rs.3-10L/year). Infinia is better for premium spenders (Rs.20L+/year) with unlimited lounges.
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In-depth Review
The full review
The HDFC Regalia Gold Credit Card sits in the sweet spot between entry-level cashback cards and ultra-premium travel cards. With a Rs.2,500 annual fee that is waived on Rs.3 lakh annual spend, it offers excellent value for middle-income professionals who travel a few times a year and dine out frequently.
The card shines on dining, where you earn 4 points per Rs.150 spent at restaurants worldwide - effectively a 10.6% return when redeemed for the highest-value rewards. The 8 annual lounge visits (split between domestic Priority Pass and international DreamFolks access) cover most leisure travelers comfortably.
Where the card falls short is foreign currency markup at 2%, which makes it less competitive for heavy international shoppers compared to forex-free cards like Axis Magnus or HSBC Premier. The fuel surcharge waiver is also capped at Rs.500/month, limiting savings for frequent drivers.
For applicants with a credit score above 750 and annual income above Rs.5 lakh, approval rates exceed 85%. The application process is fully online and typically completes in 7-10 days from approval to physical card delivery.
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