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ValueHigh
VerdictTop Tier
VerifiedYes
Rating4.8/5
124 verified reviews
Executive Summary: The HDFC Regalia Gold Credit Card by HDFC Bank is a Travel offering featuring 3% cashback. Key benefits include 4 reward points per ₹150 spent, Up to 10X via SmartBuy portal. Most suitable for users seeking Best for high-income earners seeking...
HDFC Bank
HDFC Regalia Gold Credit Card
Data Verified
Last checked: 25 Feb 2026Best for high-income earners seeking a balanced hybrid travel-shopping card with high brand value.
An upgraded premium travel and lifestyle product from HDFC, offering high reward multiplier via SmartBuy, global lounge access, and milestone benefits.
TravelRewardsLifestyle
Annual Fee
₹2500
Annual fee waived on spending ₹4 lakh in previous year
Cashback
3%
Headline Rate
Forex Markup
2%
Standard Rate
Value Calculator
AI Powered
₹25,000
MinMax
Calculations are indicative based on the product's headline rates. Actual benefits may vary based on spend categories and credit profile.
Annual Savings
₹9,000
Based on your 3% cashback rate.
Expert Verdict
"Regalia Gold maintains excellent lifestyle standards. By stacking SmartBuy travel portal points (up to 10X), users get high value back. Gold tier privileges add great polish. Verdict: Highly recommended premium hybrid."
Key Privileges
Welcome Benefit2,500 Reward Points + complimentary voucher on fee payment
Fee WaiverAnnual fee waived on spending ₹4 lakh in previous year
Interest Rate (APR)42%
Min. Income₹12 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score750
- Min. Income₹12 lakh per annum
- EmploymentSalaried/Self