HDFC Bank
HDFC Regalia Gold Credit Card
TravelRewardsShopping
Best for: Lifestyle spends & travel
₹2,500
Annual Fee
Spend ₹4 lakh/year
1.33%
Effective Reward
Visa
Yes
Lounge Access
12 domestic + 6 international visits/year
2%
Forex Markup
On intl. spends
Welcome Bonus
Gift voucher worth ₹2,500 on joining fee payment
Reward Rate
Effective Return1.33%
4 Reward Points per ₹150 spent; 5X on Nykaa, Myntra, Marks & Spencer
Key Benefits
12 domestic + 6 international airport lounge visits/year
Club Vistara Silver & MMT Black Elite membership
5X reward points on select lifestyle brands
2.5% forex markup fee
1 reward point = ₹0.50 on flight/hotel redemption
Card details verified 2026-04 from HDFC Bank official website. Fees and benefits may change. Always confirm before applying.
Fees & Charges
At a Glance
Lounge Access
12 domestic + 6 international visits/year
Fuel Surcharge
Waived at all pumps
Forex Markup
2% on intl. spends
Min. Income
₹10L/year
Last Verified
2026-04