✓ Verified Mar 2026Fees: T1Rewards: T1
•••• •••• •••• ••••
HDFC Bank
HDFC Regalia Gold
VisaMastercardPremiumPoints
💰
Annual Fee
₹2,500
🎁
Reward Type
Points
🌍
Forex
2%
✈️
Lounge
12 dom · 6 intl
Full Spec Sheet
Multi-source VerifiedFees
Joining Fee₹2,500
Annual Fee₹2,500(waived ≥ ₹4,00,000)
Min Monthly Income₹1,00,000
Rewards
Reward TypePoints
Base Rate4%
Point Value₹0.5/point
Category Multipliers
nykaa6.6%myntra6.6%reliance digital6.6%marks and spencer6.6%
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
Similar Cards
⚠️ 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 4%, you need to spend ₹62,500 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.
📊 Spend Profile Simulator
Spend Profile Simulator
Net Annual Value
+₹21,500
Effective Rate
1.8%
Ranked #25 of 173 cards⭐ Top 30
₹2,500 annual fee deducted from gross rewards value.
🏷️ Best For
travelshoppinglifestyle