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HDFC · mid tier
HDFC Regalia Gold
Mid-tier travelers who can hit ₹60K/quarter for lounges
Joining fee
₹2.5K
Annual fee
₹2.5K
Base rate
1.65%
Expert rating
7.2/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹16,910
Fees-₹2,500
Net annual value+₹14,410
Value breakdown
travel (5x)+₹1,500
Base rate (1.65%)+₹8,910
Welcome benefit+₹2,500
Lounge access (18 visits)+₹4,000
Annual fee (waived)+₹0
Joining fee (year 1)₹2,500
— Highlights
- Marriott Silver status
- Domestic + international lounges
- 5X on partners
— Drawbacks
- Spend-gated lounges (added May 2026)
- Reward rate cut to 5pts/₹200 (was 4pts/₹150)
— Redemption paths
Every way to spend your reward points
1
SmartBuy
₹0.50
per point
2
HDFC Catalog
₹0.35
per point
3
cashback
₹0.20
per point
— Reward rates
Earn by category
travel
5X
5X on Marriott, Myntra, Cult, Nykaa
— Devaluation history
Beware — this card has been devalued.
01 May 2026
Reward rate cut from 4 pts/₹150 to 5 pts/₹200 (-6%)
reward rate
medium impact
01 May 2026
Lounge access now requires ₹60K/quarter spend
lounge
high impact