HDFC Bank Regalia Gold Credit Card

HDFC Bank · ₹2,500 a year · fee waived on ₹4,00,000 of annual spend

A premium travel card whose value depends heavily on how you redeem points.

Base rate: 0.38% as Reward Point.

What the bank says

• 5 reward points per ₹200
• 5X points at Myntra, Nykaa, Reliance Digital and Marks & Spencer
• Points worth ₹0.65 on HDFC Bank’s Gold catalogue and ₹0.50 on flights and hotels
• 12 domestic lounge visits (on ₹60,000 of spend a quarter) and 6 international visits a year
• Foreign currency markup of 2%

Things that catch people out

• HDFC Bank values points at only ₹0.15 as cashback, which is what we use. On its Gold catalogue they are worth ₹0.65, making the card worth about 1.6%.
• No rewards on rent, fuel or government payments.

Joining fee: ₹2,500. Foreign currency markup: 2%.

Read from HDFC Bank’s own page on 2026-09-16.

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