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HDFC Regalia Gold

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🇮🇳 India · HDFC Bank

HDFC Regalia Gold

Name: HDFC Regalia Gold
Brand: HDFC Bank
Rating: 4.6 (50 reviews)

Mid-tier travel + dining without the Diners Black price tag

4.6 / 5

Joining fee

₹2,500

Annual fee

₹2,500

Top reward

25%

Min income

₹1,200,000

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5-year value calculator

How much HDFC Regalia Gold actually pays you over time, net of annual fees.

Your monthly spend₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹74,400

Annual fee₹0 (waived ✓)

Welcome bonus (year 1 only)+₹1,500

Cumulative net value

+₹373,500

over 5 years

Year 1

₹75,900

+₹75,900/yr

Year 2

₹150,300

+₹74,400/yr

Year 3

₹224,700

+₹74,400/yr

Year 4

₹299,100

+₹74,400/yr

Year 5

₹373,500

+₹74,400/yr

Year 1 (with bonus)

₹75,900

Year 2+ (steady state)

₹74,400/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

travel

25%

📈

dining

25%

📈

Everything else

📈

🎁

Welcome bonus

2,500 reward points + ₹1,500 Marriott / Cult.fit voucher

What you get

5x reward points on travel + dining via SmartBuy
4 complimentary international lounge visits per year (Priority Pass)
12 complimentary domestic lounge visits per year
Annual memberships: Club Vistara Silver, MMT Black Elite
Low forex markup: 2%
Milestone benefits at ₹1.5L, ₹3L and ₹4L spend

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

₹1,200,000

Min credit score

770+

Self-employed

Eligible

Points value

What 1 HDFC Regalia Gold point is actually worth

Best redemption is 20.0× the worst

Same points, wildly different values depending on redemption. Most cardholders default to the boring option and never see the upside. Here's the full ladder for HDFC Regalia Gold:

Singapore KrisFlyer transfer
Best

₹4.00/point

2:1 transfer (worse ratio than Infinia/DB). Still big upside.

SmartBuy 5x

₹0.50/point

Marriott Bonvoy transfer

₹0.80/point

Gift voucher catalog

₹0.35/point

Welcome bonus — the under-priced lever

2,500 reward points + 6 free domestic + 4 international lounge visits/year.

Welcome bonus value at best redemption: ₹10,000

Full HDFC Regalia Gold redemption deep-dive Run the points calculator

MatchYour SaaS · pays best on this card

Best SaaS to pay with the HDFC Regalia Gold

The SaaS subscriptions where HDFC Regalia Gold earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹5,47,358/yr.

Top match

Big forex win