HDFC Bank · Visa Signature
HDFC Regalia Gold
An all-rounder rewards card with 5 RP/Rs 200, partner transfers, Accor value, milestone savings, insurance/grocery points and premium travel perks.
- Lifestyle
- Lounge
- Welcome perks
- Transfer points on partner airlines/hotels like Accor, Air India, ITC, Singapore Airlines, Air Canada, Etc.
- Quarterly and annual milestones can save up to ₹16,000/year, plus Boarding Edge perks like buffet, spa and more.
- Fee
- ₹2,500 + GST Reversal at ₹4L
- Highlight
- Points for Insurance & Grocery
- Standout
- All-Rounder Credit Card
At a glance
HDFC Regalia Gold highlights
- Travel Rewards
- Up to 10X on SmartBuy flights/hotels; 5X on instant vouchers and selected brands, subject to caps
- Brand Rewards
- 5X on selected brands including Myntra, Nykaa, Reliance Digital & M&S, subject to caps
- Accor Value
- Upto 25% Points Value in terms of Accor Redemption
- Lounge Access
- 3 domestic next quarter after Rs 60k current-quarter eligible spend + 6 international/year
HDFC Regalia Gold: fees & key facts
| Joining fee | Rs 2,500 + GST |
|---|---|
| Welcome benefit | Complimentary Swiggy One and MakeMyTrip Black Gold memberships after Rs 1 lakh spend within 90 days of issuance; claim through the Regalia Gold SmartBuy benefits portal within the stated validity |
| Fee waiver | Renewal fee waived on Rs 4 lakh spend in the card year |
| Base rewards | Effective 15 May 2026, earn 5 Reward Points per Rs 200 on eligible retail spends. HDFC previously awarded 4 RP per Rs 150 |
| Travel rewards | SmartBuy advertises up to 10X rewards on hotels and flights, 5X on Instant Vouchers and up to 10X on selected partner brands; use the live portal because multipliers and caps can change |
| Brand rewards | 5X on Myntra, Nykaa, Marks & Spencer and Reliance Digital |
| Partner transfers | Transfer points to partners like Accor, Air India, ITC, Singapore Airlines, Air Canada and more |
| Accor value | Upto 25% points value in terms of Accor redemption |
| Quarterly milestone | Rs 1,500 voucher from eligible brands such as Marriott, Myntra, Marks & Spencer or Reliance Digital on Rs 1.5 lakh spend in a calendar quarter |
| Annual milestones | Rs 5,000 SmartBuy flight voucher at Rs 5 lakh annual spend and another Rs 5,000 flight voucher at Rs 7.5 lakh annual spend |
| Domestic lounge access | Effective 1 July 2026, unlock 3 domestic lounge visits in the next calendar quarter after Rs 60,000 eligible retail spend in the current calendar quarter; swipe the card at an eligible lounge |
| International lounge access | Up to 6 complimentary visits outside India per calendar year through Priority Pass. Complete at least 4 retail transactions before applying for Priority Pass; confirm the primary/add-on allocation in current terms |
| Boarding Edge | Upload an eligible boarding pass on the Regalia Gold SmartBuy portal to unlock benefits such as spa, buffet, hotel room upgrade or airport transfer, capped at any 2 benefits per calendar quarter |
| Redemption value | 1 RP = Rs 0.65 on the Exclusive Gold Catalogue; Rs 0.50 for SmartBuy flights/hotels; up to 0.5 airline mile; up to Rs 0.35 for products/vouchers; statement credit value is lower and should be checked on the live portal |
| Redemption limits | Reward points can cover up to 70% of a SmartBuy flight, hotel or experience booking; pay the balance by card. Flights/hotels and statement-credit redemptions are each capped at 50,000 RP per month under the published rules |
| Insurance | Published covers include accidental air-death cover up to Rs 1 crore, overseas emergency hospitalisation up to Rs 15 lakh and credit-liability cover up to Rs 9 lakh, subject to policy terms and exclusions |
| Dining and concierge | Swiggy Dineout savings at participating restaurants and 24x7 concierge support through the Regalia Gold SmartBuy helpdesk, subject to current programme terms |
| Eligible everyday spends | Eligible grocery, utilities, insurance and education transactions can earn base rewards; merchant MCC and HDFC exclusions control final eligibility |
| Forex markup | 2% + GST |
Last verified 28 July 2026. Issuer terms and offers can change; confirm them before applying.
Who should get it
Regalia Gold is the all-rounder credit card in this catalogue: earn 5 RP/Rs 200, burn points for flights, hotels, Apple products and more, and still keep useful lifestyle categories like insurance and grocery in play.
The card gets more interesting when you use partner transfers and milestones together: Accor redemptions can push point value high, airline/hotel partners widen options, and quarterly plus annual milestones can save around Rs 16,000 every year with Boarding Edge benefits.
HDFC Regalia Gold FAQs
Why is HDFC Regalia Gold an all-rounder card?
It combines a usable base earn rate, SmartBuy travel upside, partner transfers, milestone savings, international lounge access, and useful categories like insurance and grocery spends. That makes it less narrow than a pure cashback or pure miles card.
How does Regalia Gold earn and redeem points?
Effective 15 May 2026, it earns 5 Reward Points per Rs 200 on eligible retail spends. Published redemption values are Rs 0.65 per point on the Exclusive Gold Catalogue, Rs 0.50 for SmartBuy flights and hotels, up to 0.5 airline mile, up to Rs 0.35 for products and vouchers, and a lower value for statement credit. SmartBuy travel and voucher multipliers can improve earning, subject to live caps and partner terms.
Which transfer partners make Regalia Gold useful?
The useful angle is the ability to transfer points to airline and hotel partners such as Accor, Air India, ITC, Singapore Airlines, Air Canada and others. Accor is especially interesting when you are chasing high point value.
What lounge access does Regalia Gold include?
From 1 July 2026, Rs 60,000 eligible retail spend in a calendar quarter unlocks 3 domestic lounge visits in the following calendar quarter. Outside India, Priority Pass provides up to 6 complimentary visits per calendar year under the published programme. Complete at least 4 retail transactions before applying for Priority Pass and confirm add-on allocation in the current terms.
How much can Regalia Gold milestones save?
Each Rs 1.5 lakh calendar-quarter spend can unlock a Rs 1,500 eligible-brand voucher. Annual spends of Rs 5 lakh and Rs 7.5 lakh unlock separate Rs 5,000 SmartBuy flight vouchers, for up to Rs 16,000 face value from the published quarterly and annual vouchers before valuing Boarding Edge benefits.
How do I redeem Regalia Gold points for flights and hotels?
Open the Regalia Gold SmartBuy portal, choose flights or hotels, select the number of points at checkout and pay the balance with the Regalia Gold card. Published rules allow points to cover up to 70% of booking value, value each point at Rs 0.50 and cap flight/hotel redemption at 50,000 points per month.
What is the Regalia Gold Boarding Edge benefit?
Upload an eligible flight boarding pass in the Regalia Gold benefits section of SmartBuy. Depending on destination and availability, you can select benefits such as a spa service, buffet, hotel room upgrade or airport transfer. The programme is capped at any 2 benefits per calendar quarter and separate partner validity rules apply.
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