Summary
HDFC Regalia Gold Credit Card is the premium offering from the house that comes with a gold and black, stylish design targeting frequent travelers and high spenders. It rewards 4 reward points per ₹150 spent in retail, dining, and travel, with special Gold Catalogue Benefits for every quarterly spending of ₹1.5 lakh. Travel benefits comprise 12 domestic and 6 international lounge visits through Priority Pass.
Top restaurants have offers from up to 20% in discounts under HDFC’s Good Food Trail for the dining enthusiast. The additional rewards come for the milestone of spending ₹1 lakh per quarter or ₹5 lakh per annum. There’s a 1% fuel surcharge waiver in case of a transaction between ₹400 and ₹5,000, ₹1 crore air accident cover, and ₹15 lakh emergency hospitalization coverage.
Reward points can be redeemed for flight bookings, booking of hotels, and vouchers, which can be obtained with 1 point = ₹0.50 for travel on HDFC SmartBuy. So, this is one of India’s top premium credit cards in the category suitable for luxury travelers who seek such travel privileges as well as get high-value rewards.
Introduction
In the present times, a credit card has become not just a means of transaction but an essential part of your financial life. Especially when it comes to the Regalia Gold Credit Card, HDFC Regalia Gold Credit Card promises to take your life to new heights of ease and convenience. Regalia Gold Credit Card is a perfect option for people who desire to get the highest standard of service and benefits.
The Regalia Gold Credit Card offering is one of the greatest options that makes your shopping experience great and at the same time provides you with a variety of benefits and rewards. With the HDFC Regalia Gold Credit Card, you also get many benefits and facilities, which make your personal and professional life more comfortable and convenient.
One of the most prominent features of the HDFC Gold Credit Card is the great reward points it offers. With this, you get reward points on every transaction, which you can redeem in the form of different gifts or cashback in the future. Along with this, the Regalia Gold Credit Card also gives you the benefit of the highest cashback rates, which makes it even easier to save on your purchases.
In today’s article, we will discuss in detail about HDFC Gold Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of the HDFC Regalia Gold Credit Card in this article and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not have any problems later.
What is the HDFC Regalia Gold Credit Card?
Credit Card is a premium credit card offered by HDFC Bank. Regalia Gold Credit Card is specially designed for customers who are looking for a high standard of financial services and facilities. Through the HDFC Gold Credit Card, customers get the benefit of reward points, cashback, and great offers on purchases.
Apart from this, the Regalia Gold Credit Card also offers many benefits in the field of travel and lifestyle, such as airport lounge entry, discounts on hotel and car rental, and travel insurance coverage. In terms of security, the Regalia Gold Credit Card is equipped with state-of-the-art security technologies such as an EMV chip and 24/7 customer service, which makes your transactions secure.
How is the design of the HDFC Regalia Gold Credit Card?
The design of the HDFC Gold Credit Card is sleek and premium, giving it a high-end feel. It features a stylish golden-black color theme, giving it a classy and expensive look.
The card features a minimalist design with “Regalia Gold” in a classy font, making the card aesthetically pleasing. Also, there is a chip in the center-left for safe transactions.
What are the benefits of the HDFC Regalia Gold Credit Card?
Some of the predominant advantages of real reward points are as follows:
Reward Points on Spending
- Earn 4 reward points per Rs. 150 spent on retail, travel, and dining.
- Avail rewards at the Gold Catalogue: get exclusive rewards when you spend Rs. 1.5 lakhs or more in a quarter.
Lounges
- Have 12 complimentary domestic lounge visits every year.
- Get 6 international lounge visits with the Priority Pass membership.
Dining & Travel Benefits
- Dine out at the best restaurants through HDFC’s Good Food Trail program with discounts of up to 20%.
- Redeem savings through SmartBuy on flight and hotel bookings.
Milestone Rewards
- Spend ₹1 lakh in one quarter and derive benefits of vouchers or excess rewards.
- Spend ₹5 lakhs in a year and enjoy redemption for bonus reward points or receive single-use codes with exclusive offers.
Fuel Surcharge Reimbursement
- Avail 1% surcharge reimbursement at fuel stations on a transaction between ₹400 and ₹5,000.
Insurance & Security
- Air accident cover worth ₹1 crore
- Hospitalization and, accidents cover ₹15 lakh.
What are the fees for the HDFC Regalia Gold Credit Card?
Here is a simple breakup of the HDFC Regalia Gold Credit Card fees.
| Joining Fee | ₹2,499 + GST (one-time fee when you get the card). |
| Annual Fee | ₹2,499 = GST per year. This will be waived if you spend 4,00,000 or more in a year. |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | 3.5% per month (47% annually) on the outstanding balance if you don’t pay your bill in full. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an HDFC Regalia Gold Credit Card?
The following are the primary requirements:
- To apply for the HDFC Gold Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 12 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for HDFC Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an HDFC Regalia Gold Credit Card?
The documents that you will have to submit to get a Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the HDFC Regalia Gold Credit Card be used?
Here is the list of places where you can use it:
- With the Regalia Gold Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your HDFC Gold Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The HDFC Gold Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the HDFC Regalia Gold Credit Card?
The credit amount you can spend is what you are provided with a Regalia Gold Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an HDFC Regalia Gold Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the HDFC Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC Gold Credit Card.
- Just hover your cursor on the HDFC Regalia Gold Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest HDFC Bank branch to apply for the HDFC Regalia Credit Card.
- Request for the credit card application form for the HDFC Gold Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the HDFC Regalia Gold Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an HDFC Regalia Gold Credit Card in 2025 be right?
Yes, getting an HDFC Bank Regalia Gold Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
HDFC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
HDFC Bank Regalia Gold Credit Card promises to transform your financial life. HDFC Regalia Gold Credit Card makes your transactions easy and convenient and also offers you several benefits. Its benefits like reward points, cashback, and travel perks help you manage your everyday expenses and make your life comfortable.
You can earn points on every transaction and save money. You can redeem the points as gifts or cashback. The cashback on the HDFC Regalia Gold Credit Card helps you make even more affordable purchases, so you can save even more and get closer to your financial goals sooner.
HDFC Gold Credit Card also holds many travel and lifestyle benefits. You get access to free lounge entry at the airport, discounts offered on hotels as well as rentals of cars. Travel insurance would also be featured. These come in handy quite often for travel enthusiasts or if you want comfort in your way of life.
Frequently Asked Questions (FAQ’s)
Ans: For every transaction you make, you earn reward points. If you want, you can redeem the same to buy gifts or convert them to cashback for later use. Here, again, reward points vary with your expenses.
Ans: Credit Card gives you cashback as per a fixed percentage on the transactions you make. This cashback is credited to your account, which you can use on your next purchase or reduce your balance.
Ans: Regalia Gold Credit Card consists of EMV chip technology, 24/7 customer care, and online fraud prevention services, which safeguard your transactions as well as avoid fraud against you.
Ans: The HDFC Gold Credit Card can be applied for using the HDFC Bank website, its branches, and even over call. You simply need to file the documents; identity proof address proof income proof are just a few of them.
Ans: Regalia Gold Credit Card is far better for transactions in foreign lands. You may also use it while abroad. Yet, you must be ready with additional charges for international transactions.
