Earn and burn widely
Earn 5 RP/Rs 200 and burn points for flights, hotels, Apple products, vouchers and more.
HDFC Regalia Gold
All-rounder credit card for rewards, transfers and premium travel perks.
Travel rewards
5x Points on Flight & Vouchers, 10x on Hotels
Brand rewards
5X Myntra, Nykaa, Reliance Digital & M&S
Accor value
Upto 25% Points Value in terms of Accor Redemption
Lounge access
6 complimentary International Lounge Visit per calendar year
Transfer partners
Transfer points to airline and hotel partners like Accor, Air India, ITC, Singapore Airlines and Air Canada.
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
| Joining fee | Rs 2,500 + GST |
|---|---|
| Fee waiver | Renewal fee waived on Rs 4L yearly spend |
| Earn and burn | Earn 5 RP/Rs 200; burn points for flights, hotels, Apple products, vouchers and more |
| Travel rewards | 5x points on Flight & Vouchers, 10x on Hotels |
| 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 |
| Milestones | Quarterly and annual spend-based milestones can save Rs 16,000 every year |
| Lounge access | 6 complimentary international lounge visits per calendar year |
| Highlight | Points for insurance and grocery spends |
| Standout | All-rounder credit card |
| Forex markup | 2% + GST |
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?
It earns 5 RP/Rs 200, and those points can be burned for flights, hotels, Apple products, vouchers and more. The stronger play is routing travel and voucher spends through SmartBuy where flight, voucher and hotel value can improve materially.
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?
The card includes 6 complimentary international lounge visits per calendar year, which pairs well with its travel rewards and transfer-partner angle.
How much can Regalia Gold milestones save?
Quarterly and annual spend-based milestones can save around Rs 16,000 every year when used well. Boarding Edge benefits such as complimentary buffet, spa and other services add extra travel value on top.
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