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HDFC Bank

HDFC Regalia Gold

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Annual Fee

₹2,500

Reward Type

Points

Forex

2%

Lounge

12 dom · 6 intl

Full Spec Sheet

Normalized · Verified

Fees

Joining Fee₹2,500
Annual Fee₹2,500(waived ≥ ₹4,00,000)
Min Monthly Income₹1,00,000

Rewards

Reward TypePoints
Base Rate1.33%
Point Value₹0.5/point

Category Multipliers

marks and spencer6.6%myntra6.6%nykaa6.6%reliance digital6.6%

Redemption Values

flights₹0.5/pt
hotel transfer₹0.5/pt
statement credit₹0.2/pt

Travel & Global

Forex Markup2%
Domestic Lounge12 visits/yr
Intl. Lounge6 visits/yr
Lounge NetworkPriority Pass
Lounge Spend Req.₹75,000 Quarterly

India-Specific

Fuel Surcharge✓ 1% waiver
⚠️ Last devaluation: January 2025

💡 Fee Waiver Strategy

Spend ₹4L to waive renewal fee.

⚖️ Breakeven Analysis

To recover the ₹2,500 annual fee at the base reward rate of 1.33%, you need to spend ₹1,87,970 annually.

🎯 Pro Tips

  • ▸Use for Myntra/Nykaa to get 5X rewards
  • ▸Good entry into HDFC premium ecosystem
  • ▸⚠️ Jan 2025: Lounge access now requires ₹75,000 quarterly spend — verify spend before visiting.

🏷️ Best For

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