HDFC Bank
HDFC Regalia Gold Credit Card
Data Verified
Last checked: 25 Feb 2026Best for travellers who want a well-rounded card with strong lounge access and HDFC SmartBuy benefits.
A premium travel card offering 4 reward points per ₹150 on all retail spends, with up to 10X rewards via SmartBuy. Includes 12 domestic and 6 international complimentary lounge visits annually.
TravelShoppingHotelsDiningForex
Annual Fee
₹2500
Annual fee waived on ₹3 lakh annual spend
Cashback
2%
Headline Rate
Forex Markup
2%
Standard Rate
Expert Verdict
"HDFC Regalia Gold is the sweet spot between entry-level and ultra-premium travel cards. SmartBuy 10X accelerators make it excellent for booking flights and hotels. The 18 annual lounge visits are generous for a ₹2,500 fee card. Milestone benefits add significant value at higher spend levels. Verdict: Best value-for-money travel card from HDFC."
Key Privileges
Welcome BenefitWelcome vouchers worth ₹2,500 on first spend
Fee WaiverAnnual fee waived on ₹3 lakh annual spend
Interest Rate (APR)42%
Min. Income₹7.5 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. FinanceMacha may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score750
- Min. Income₹7.5 lakh per annum
- EmploymentSalaried/Self