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HomeCredit cardsHDFC BankHDFC Regalia Gold Credit Card
Editor's pickPremiumVisa

HDFC Regalia Gold Credit Card

4.5editor Editor score 89/100Best for premium travel & lifestyle

4 points per ₹150, 5X on Nykaa, Myntra, Marks & Spencer and Reliance Digital, 12 domestic + 6 international lounge visits.

  • 4 Reward Points per ₹150 (up to 2.67% back)
  • 5X points on Nykaa, Myntra, Marks & Spencer, Reliance Digital
  • 12 domestic + 6 international lounge visits via Priority Pass
  • Points redeem at 1:1 for flights/hotels on SmartBuy
Updated 13 Nov 2026
HDFC BankPREMIUM
•••• •••• •••• 4242
HDFC Regalia Gold Credit Card
VISA

Key facts

Joining fee
₹2,500 + GST
Annual fee
₹2,500 + GST
Waived on ₹4 lakh annual spends
Reward rate
4 RP per ₹150 · 5X on partners
Welcome benefit
₹2,500 gift voucher + Club Vistara Silver & MMT Black Elite

Similar cards you might like

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HDFC BankSUPER PREMIUM
•••• •••• •••• 4242
HDFC Regalia Gold Credit Card
Annual fee ₹2,500 + GST
Lounge access
12 / yr domestic · 6 / yr intl.
Forex markup
2%
Fuel surcharge
1% waiver
Interest rate
3.5% p.m. (42% p.a.)

What we like

  • Lowest forex markup among HDFC mass-premium cards
  • Strong milestone vouchers
  • Complimentary MMT Black and Club Vistara Silver

Watch out for

  • High income requirement
  • Reward value drops to ₹0.20 outside SmartBuy
  • Lounge access needs ₹1L quarterly spends

Our take

Why we rate it

Regalia Gold is the best all-round premium card below the super-premium tier. The 2% forex markup and 18 lounge visits make it the one travel card most people need.

Features & benefits in detail

Rewards
Base rate
4 RP per ₹150
Partner brands
5X (20 RP per ₹150)
Redemption value
₹1 per RP on SmartBuy flights/hotels
Fees
Forex markup
2%
Travel
Domestic lounge
12 per year
International lounge
6 per year (Priority Pass)
Insurance
Air accident cover
₹1 crore

Milestone benefits

₹1,500 vouchers at ₹1.5L quarterly; ₹5,000 at ₹5L & ₹7.5L annual

Insurance cover

₹1 Cr air accident, ₹15L emergency overseas

Eligibility

Minimum income
₹1,00,000 / month
Age
21 – 60 years
Credit score
750+ preferred
SalariedSelf-employed

Approval, pricing and credit limits are decided solely by the issuing bank or NBFC. Fees, rewards and offers shown are indicative and may change without notice; please read the lender's Most Important Terms and Conditions (MITC) or Key Fact Statement before applying.

HDFC Bank
HDFC Regalia Gold Credit Card
Joining fee
₹2,500 + GST
Annual fee
₹2,500 + GST
Rewards
Up to 2.7%
Lounge
12 / yr
Forex
2%

Secure hand-off to HDFC Bank. No OTP or PIN ever asked.

Not sure?

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CardSparrow is an independent comparison platform, not a bank, NBFC or RBI-regulated lender. We may earn a referral fee from a lender or affiliate network when you apply through our links. This never changes what you pay and never affects our ratings or the order in which products appear.

HDFC Bank Infinia Credit Card (Metal)
VISA
HDHDFC Bank

HDFC Bank Infinia Credit Card (Metal)

4.8editor

Best for ultra-premium invite-only

5 points per ₹150 (3.33% back) with 1:1 flight/hotel redemption, unlimited lounge access worldwide and ITC hotel privileges.

Joining
₹12,500 + GST
Annual
₹12,500 + GST
Rewards
Up to 3.3%
Lounge Unlimited 2% forex
Details
Axis BankSUPER PREMIUM
•••• •••• •••• 4242
Axis Bank Magnus Credit Card
AXAxis Bank

Axis Bank Magnus Credit Card

4.4editor

Best for luxury travel transfers

12 EDGE points per ₹200, 35,000 bonus points at ₹1.5L monthly spends, unlimited lounges and 5:2 transfers to airline partners.

Joining
₹12,500 + GST
Annual
₹12,500 + GST
Rewards
Up to 2.4%
Lounge Unlimited 2% forex
Details
Editor's pick
HDFC BankMID
•••• •••• •••• 4242
HDFC Millennia Credit Card
VISA
HDHDFC Bank

HDFC Millennia Credit Card

4.4editor

Best for everyday online spends

5% CashPoints on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra and more, with quarterly lounge visits.

Joining
₹1,000 + GST
Annual
₹1,000 + GST
Rewards
Up to 4%
Lounge 4 / yr Fuel waiver
Details
Axis BankPREMIUM
•••• •••• •••• 4242
Axis Bank Atlas Credit Card
VISA
AXAxis Bank

Axis Bank Atlas Credit Card

4.4editor

Best for frequent flyers

Earn EDGE Miles transferable to 20+ airline and hotel partners at 1:2, with tiered lounge access that grows with spends.

Joining
₹5,000 + GST
Annual
₹5,000 + GST
Rewards
Up to 4%
Lounge 18 / yr
Details