CreditIQ Verdict
The HDFC Regalia Gold is a premium credit card from HDFC with an annual fee of Rs.2,500. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on premium categories and want to earn meaningful rewards.
Fees & Charges
Annual FeeRs. 2,500 + GST
Joining FeeRs. 2,500 + GST
Interest Rate23.88% per annum (3.33% per month)
Forex Markup3.5% on international transactions
Cash Advance2.5% of amount (min Rs. 500)
Late PaymentRs. 0 - Rs. 1,300 (based on outstanding)
What the community says
LIVEdevaluation@everypaisamattersINSTAGRAM
HDFC SmartBuy significantly reduced accelerated reward points on gift voucher purchases across premium cards (Infinia, Diners Black, BizBlack Metal) effective July 1, 2026, eliminating a key points-earning strategy.
🚨 HDFC SmartBuy Just Got a Massive Devaluation!
If you buy gift vouchers through SmartBuy GyFTR or WooHoo to earn accelerated reward point...
transfer hack@thegreatindianmilesINSTAGRAM
HDFC credit card points can be transferred to airline partners for 6x better value than SmartBuy redemption, enabling business class flights instead of economy.
✈️ 85K HDFC Infinia points on SmartBuy? That buys you an economy flight to Europe.
I used the same 85,000 points for this @qatarairways Bus...
card comparison@pointsflywithvibhavINSTAGRAM
Indian credit cards offer tiered airport lounge access across free spend-gated cards, mid-tier options under ₹5,000, and premium cards with unlimited international guest access.
Airport lounge access in India, decoded ✈️🛋️
Whether you pay ₹0 or ₹66,000 in annual fees, there’s a card that gets you into the lounge. I...
Frequently Asked Questions
What is the annual fee of HDFC Regalia Gold?
The annual fee is Rs.2,500 + GST. It is waived if you meet the annual spend threshold.
What is the reward rate on HDFC Regalia Gold?
HDFC Regalia Gold offers 1.65. Check the benefits section above for category-specific accelerators.
How to apply for HDFC Regalia Gold?
You can apply online through HDFC's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.