HDFC Bank Regalia Gold
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HDFC's mid-premium travel card: HDFC Reward Points usable for flights/hotels on SmartBuy or airline/hotel transfers, ₹1,500 quarterly voucher at ₹1.5 lakh spend and a ₹5,000 flight voucher at ₹7.5 lakh annual spend.
- Welcome offer
- Gift voucher worth ₹2,500 (as shown on HDFC's card listing); plus Club Vistara Silver and MMT Black memberships on ₹1 lakh spend within 90 days
- Annual fee
- ₹2,950 a year incl. GST (₹2,500 + GST; renewal waived at ₹4 lakh annual spend)
- Rewards rate
- 5 Reward Points per ₹200 (from 15 May 2026); 5X on Myntra, Nykaa, Reliance Digital, Marks & Spencer (capped 5,000 RP a month)
- Regular APR
- Interest is charged monthly; see the bank's fees page
- Recommended CIBIL score
- CIBIL 700+
- Forex markup
- 2% + GST
- Airport lounges
- Domestic: participating lounges in India via card swipe; International: Priority Pass. 3 domestic per calendar quarter (needs ₹60,000 spend in the previous quarter, from 1 Jul 2026); 6 international a year via Priority Pass. Not stated.
- Points go to
- HDFC Reward Points. Transfers to about 11 airline and 11 hotel partners at 1:1 to 2:1, including Singapore KrisFlyer, Air France-KLM Flying Blue, Marriott Bonvoy and Accor. Exact ratios vary by partner, so check SmartBuy before transferring.
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