HDFC BankVisaRegalia Gold Credit Card
4.1NeoFinQ editorial rating
Premium lifestyle card with balanced travel perks
- Good lounge access
- Travel & lifestyle perks
- Fee waiver possible
- Joining fee
- ₹2,500
- Annual fee
- ₹2,500
- Reward type
- miles
- Best for
- Lounge
- Est. rewards
- ₹20,500/yr
Our verdict
Well-rounded premium card for travel and lifestyle.
Perfect for
- Frequent travelers
- Lifestyle spenders
Not ideal for
- Low spenders
Pros & cons
- Good lounge access
- Travel & lifestyle perks
- Fee waiver possible
- Mid-tier rewards
Rewards
1 Gold Reward Point = ₹0.50 (Flight/Hotel booking via SmartBuy), ₹0.50 (Air Miles transfer), ₹0.35 (Product Catalog/Vouchers), ₹0.20 (Cashback).
| Category | Earn rate |
|---|---|
| Shopping | 5% |
| Travel | 5% |
| Online Shopping | 5% |
Welcome offer
Gift Voucher worth ₹2,500 upon payment of joining fee; Club Marriott Membership on spends of ₹1.5 Lakh in first 90 days.
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- Domestic: 2 per quarter (on spending ₹1 Lakh in previous quarter). International: 6 per year via Priority Pass. On spending ₹5 Lakhs in a year, you get up to 12 visits per year (Primary + Add-on).
More benefits
- Welcome Bonus: Gift Voucher worth ₹2,500 upon payment of joining fee; Club Marriott Membership on spends of ₹1.5 Lakh in first 90 days.
- Milestone: Vouchers worth ₹1,500 on ₹1.5L quarterly spend; ₹5,000 flight voucher on ₹5L annual spend.
- Additional Benefits: Complimentary Club Marriott membership; Global Emergency Assistance; Priority Pass membership on request.
Fees & charges
| Joining fee | ₹2,500 |
| Annual fee | ₹2,500 |
| Renewal fee | ₹2,500 |
| Fee waiver | Waived on ₹4 lakh annual spend |
| Waiver threshold | Spend ₹4L/yr |
Eligibility
Min. income (annual)
₹18L
Employment
Salaried / Self Employed
Similar cards
HDFC BankTata Neu Infinity Credit Card
Annual Fee
₹1,499
Est. Rewards
₹22,000/yr
HDFC BankMarriott Bonvoy Credit Card
Annual Fee
₹3,000
Est. Rewards
₹21,000/yr
HDFC BankBiz Power Credit Card
Annual Fee
₹2,500
Est. Rewards
₹20,000/yr
HDFC BankDiners Club Privilege Credit Card
Annual Fee
₹2,500
Est. Rewards
₹19,500/yr
Not sure this is the one?
Let NeoFinQ check the fit — answer a few questions about your spending and we'll rank every card for you. 60 seconds, no credit-score impact.
Find My Best CardRegalia Gold Credit Card
Annual fee ₹2,500