HDFC Regalia Gold

All-rounder credit card for rewards, transfers and premium travel perks.

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Travel Rewards

SmartBuy travel/voucher accelerators; check current card-specific multiplier and caps

Brand Rewards

5X on selected brands including Myntra, Nykaa, Reliance Digital & M&S, subject to caps

Accor transfer

2 HDFC Reward Points = 1 ALL Reward point, subject to partner terms

Lounge Access

3 domestic next quarter after Rs 60k current-quarter eligible spend + 6 international/year

5 RP / Rs 200

Accor value

Milestones

Earn and burn widely

Earn 5 RP/Rs 200 and burn points for flights, hotels, Apple products, vouchers and more.

Transfer partners

Eligible airline and hotel transfers are available through SmartBuy. Accor confirms 2 HDFC RP = 1 ALL Reward point. Confirm other partner ratios, minimums and availability in the card-specific transfer screen before moving points.

Milestone savings

Quarterly and annual milestones can save Rs 16,000 a year, with Boarding Edge benefits like buffet, spa and other services.

HDFC Regalia Gold: fees & key facts

HDFC Regalia Gold credit card fees and 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, capped at 50,000 RP per statement cycle. HDFC previously awarded 4 RP per Rs 150
Travel rewards	Regalia Gold SmartBuy currently advertises 5X on flights, 10X on hotels and 5X on eligible vouchers. Booking eligibility, bonus caps and the card-specific checkout apply; these are point multipliers, not guaranteed cash returns.
Brand rewards	5X on Myntra, Nykaa, Marks & Spencer and Reliance Digital
Partner transfers	Eligible airline and hotel transfers are available through SmartBuy. Accor confirms 2 HDFC RP = 1 ALL Reward point. Confirm other partner ratios, minimums and availability in the card-specific transfer screen before moving points.
Accor value	2 HDFC RP = 1 ALL Reward point. ALL uses 2,000 points for EUR 40 against eligible stays; rupee value varies. There is no guaranteed 25% cashback return
Quarterly milestone	Rs 1,500 Myntra or Nykaa voucher on Rs 1.5 lakh spend in a calendar quarter; claim within 60 days of unlocking the milestone
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
DCC charge	1.75% + applicable taxes from 15 May 2026 on overseas dynamic currency conversion; separate from the 2% forex markup

Public issuer terms checked 3 October 2026.

SmartBuy’s transfer screen requires cardholder verification. Accor 2:1 is confirmed by Accor’s official HDFC terms; other current card-specific ratios require the live account screen.

HDFC Regalia Gold HDFC dated Regalia feature revision Accor official HDFC transfer terms Regalia Gold live transfer portal

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.

Reward exclusions

Transactions that do not earn Reward points

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

Fuel, wallet loads, rent and government payments
EasyEMI purchases and transactions converted to SmartEMI
Education paid through third-party apps
Online skill-based gaming
Property-management payments, including maintenance, packers and movers

Insurance, grocery, utilities and telecom are capped categories rather than blanket exclusions. Direct education can earn base points; payments through third-party education apps do not.

Checked 3 October 2026HDFC Bank September 2026 terms Regalia Gold rewards terms

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?

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.

Free tools & guides

HDFC SmartBuy rewards guide

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