Regalia Gold Credit Card

Experience the Golden Side Of Life

  • 5X rewards on Myntra, Nykaa, M&S, Reliance Digital and more
  • Club Marriott Vouchers every quarter*
  • Redeem rewards against flights, hotels and airmiles

Maximize Savings with Regalia Gold Credit Card


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More about Regalia Credit Card


Card Type

Reward Points

Key Features

  • Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits.
  • ₹ 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
  • ₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and an additional voucher of Rs. 5000 on spends of Rs. 7.5 lakhs.
  • 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!
  • Complimentary lounge access at over 1000 airports
  • 4 Reward Points on every Rs.150 spent (On retail* spends)

Additional Features

  • Zero Lost card liability : In the unfortunate event of losing your HDFC Bank Regalia Gold Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card.
  • Foreign Currency Markup : 2% on all your foreign currency spends.
  • Revolving Credit : Enjoy Revolving Credit on your HDFC Bank Regalia Gold Credit Card at nominal interest rate. Refer to the Fees and Charges section to know more. Click here.


Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Regalia Gold Credit Card. Simply call us: toll-free on 1860 425 1188 (India) / Email ID:

Lounge Access

A. Complimentary Airport Lounge Access within India

  • 12 complimentary access within India (both at domestic and international terminals) using the HDFC Bank Regalia Gold Credit Card.
  • Swipe your HDFC Bank Regalia Gold Credit Card at the lounge to avail the complimentary lounge access
  • Click here to check the list of lounges
  • Visits exceeding the complimentary quota & Lounges not covered under the programme will be allowed at the discretion of lounge and will also be chargeable by the Lounge.

B. Priority Pass

  • Using Priority Pass, you and your add-on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. 
  • You can apply for Priority Pass for self and add-on members once you complete minimum 4 retail transactions on your HDFC Bank Regalia Gold Credit Card. Click here to apply.
  • If you exceed the 6 Complimentary visits, you will be charged at US $27 + GST per visit 
  • If you use your Priority Pass for lounge access within India, you will be charged at US $27 + GST per visit 

Please note: Priority Pass in India will attract charges on your Credit Card. Click here to know more. You can visit for complete list of lounge details.

To know about your lounge access history

  • Please write a mail to Please provide name, complete 18 digit Priority Pass number and state that PP Membership is via HDFC Bank program. If there is more than 1 Priority Pass number (belonging to add on PP holders), then please provide all the PP Numbers.

Good Food Trail Program

Enjoy amazing dining benefits with the Good Food Trail program

  • Get up to 20% savings on all your restaurant bill payments via Swiggy Dineout (20k+ restaurants) 
  • Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done via the Swiggy App.

Milestone Benefit

  • Get ₹ 1,500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend Rs. 1.5 Lakhs in every calendar quarter.
  • Get ₹ 5,000 worth flight vouchers when you spend Rs. 5 Lakhs spends in an anniversary year 
  • Get additional ₹ 5,000 worth flight vouchers when you spend Rs. 7.5 Lakhs spends in an anniversary year 

Click here to know more

Annual Spend based benefit

Spend Rs. 4 Lakhs in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year.
Terms & Conditions Apply

Smart EMI

HDFC Bank Regalia Gold Credit Card comes with an option to convert your big spends into EMI after purchase. To know more click here

Contactless Payment

The HDFC Bank Regalia Gold Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. 

*To see if your Card is contactless, look for the contactless network symbol on your Card. 

(Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 in a single transaction without being asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Cardholder has to enter the Credit Card PIN for security reasons.)

Comprehensive protection & Nominee details for Insurance

Accidental air death cover worth Rs. 1 Crore

Emergency overseas hospitalization: up to Rs. 15 lakhs

Credit Liability cover: Up to Rs. 9 Lakhs  

Click here to update your nominee details.
Click here for details.

Reward Point/CashBack Redemption & Validity

Reward Points Accrual:

  • Earn 4 Reward Points on every Rs.150  retail* spends including Insurance, Utilities and Education​
  • Earn 20 Reward Points on every Rs.150  retail* spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa!

Reward Point Redemption:
You can redeem your Reward Points on Smartbuy or Netbanking. Reward Points can be redeemed for:

  • Exclusive Gold Catalogue on select Premium brands via Smartbuy at a value of 1 RP = Rs 0.65
  • Flights and hotel bookings via Smartbuy at a value of 1 RP = Rs 0.5
  • Airmiles conversion through Netbanking at a value of 1RP = 0.5 airmiles
  • Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = upto Rs 0.35
  • The redemption against the statement balance will be at the rate of 1 RP = Rs 0.20

Please Click Here to know more