HDFC Bank Regalia Gold
HDFC Bank · Checked 2026-10-11
HDFC Bank Regalia Gold is a paid card focused on travel benefits, airport lounge access and reward points, charging ₹2,500 annually before GST.
CardIQ editorial view
Our take
HDFC Bank Regalia Gold is a paid card focused on travel benefits, airport lounge access and reward points, charging ₹2,500 annually before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise airport lounge access.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- Reward Points, milestone vouchers and travel privileges on eligible spends.
Trade-offs to understand
- Reward Points, milestone vouchers and travel privileges on eligible spends; issuer caps, exclusions and redemption rules apply.
- The ₹2,500 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes reward points, milestone vouchers and travel privileges on eligible spends valuable enough to clear the fee. Factor in this condition: Reward Points, milestone vouchers and travel privileges on eligible spends; issuer caps, exclusions and redemption rules apply.
Compare before deciding
- BOBCARD ETERNA — A lower-fee way to compare similar strengths in airport lounge access and reward points.
- YES BANK RESERV — A lower-fee way to compare similar strengths in airport lounge access and reward points.
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Benefits, limits and conditions
- Reward Points, milestone vouchers and travel privileges on eligible spends; issuer caps, exclusions and redemption rules apply.
- Renewal fee reversal requires ₹4 lakh of qualifying annual spend.
- Benefits and eligibility remain subject to the current HDFC Bank product terms.