HDFC Regalia Gold
Premium Travelers
Annual Fee
₹2,500
Rewards
Up to 10X Rewards
Income Req.
₹50,000/mo
Lounge
8 Domestic + 4 Intl./Qtr
HDFC Regalia Gold
Issuer: HDFC Bank | Visa
Travel
Joining Fee
₹2,500
Annual Fee
₹2,500
Best For
Premium Travelers
CIBIL Score
750+
check_circleSpend 3L annually for fee waiver
check_circleWelcome benefit of 5,000 Reward Points
check_circleBest suited for Premium Travelers
toll Rewards & Earning Engine
Base Reward Rate
4% - 10% Value
4 Reward Points per ₹150 spent
Accelerated Rewards
Up to 10X
On accelerated spend categories
Earning Parameters
Milestone Benefit
₹300,000 Spend = Annual Fee Waiver
Point Value
1 RP = ₹0.50
flight_takeoff Lifestyle & Travel
chair
Lounge Access
8 Domestic & 4 Intl/quarter
local_gas_station
Fuel Surcharge
1% Waiver on fuel
currency_exchange
Forex @ 2.0%
2.0% markup + GST
redeem
Welcome Bonus
5,000 Points
restaurant
Dining Offers
Dining privileges
health_and_safety
Travel Insurance
Complimentary cover
support_agent
24/7 Concierge
Lifestyle assistance
warning Limitations & Exclusions
- remove_circleHigh annual fee
- remove_circleRequires high income
- remove_circleLimited cashback
gavel Final Verdict
thumb_up The Pros
- •Excellent lounge access
- •High reward rate on travel
- •Low forex markup
- •Complimentary insurance
thumb_down The Cons
- •High annual fee
- •Requires high income
- •Limited cashback
payments Detailed Fees & Charges
| Type | Charge Value | MarketInsiderZ View |
|---|---|---|
| Joining Fee | ₹2,500 | Standard for category |
| Annual Fee | ₹2,500 | Waivable: Spend 3L annually for fee waiver |
| Forex Markup | 2.0% + GST | Very Competitive |
| Fuel Surcharge Waiver | 1% Waiver | Good for regular drivers |
redeem Redemption Strategy
FLIGHTS / HOTELS
1 RP = ₹0.50
Best value via SmartBuy portal
CASHBACK
1 RP = ₹0.30
Statement credit (Avoid this)
PRODUCTS
1 RP = ~₹0.50
Via Reward Catalogue