![HDFC Regalia Gold Credit Card Review [2025 Edition]](https://cardsavvyindia.com/wp-content/uploads/2025/10/HDFC-Regalia-Gold-Credit-Card-Review-2025-Edition-1024x512.jpg)
The HDFC Regalia Gold Credit Card is one of India’s most popular premium lifestyle cards.
Known for its airport lounge access, travel rewards, and exclusive dining privileges, it’s a great choice for users who want luxury perks without extremely high fees.
In this 2025 review, let’s break down the features, benefits, and whether it’s worth applying for compared to other premium options like Axis Magnus and SBI Card Elite.
🏦 HDFC Regalia Gold Credit Card — Overview
| Feature | Details |
|---|---|
| Annual Fee | ₹2,500 + GST (waived on ₹4 lakh annual spend) |
| Best For | Frequent travelers & high spenders |
| Reward Rate | Up to 4 reward points per ₹150 spent |
| Welcome Benefit | ₹2,500 worth of gift vouchers |
| Lounge Access | 12 domestic + 6 international visits/year |
| Add-on Cards | Free for lifetime |
| Foreign Transaction Fee | 2% markup |
🎁 Key Benefits of HDFC Regalia Gold Credit Card
✈️ 1. Complimentary Airport Lounge Access
- Domestic: 12 visits per year via Priority Pass or Regalia program.
- International: 6 complimentary visits for primary + add-on cardholders combined.
- Value: Each visit is typically worth ₹700–₹1,000.
✅ Perfect for frequent business and leisure travelers.
💎 2. Reward Points System
- 4 reward points on every ₹150 spent.
- 2X rewards on dining, travel, and international expenses.
- 1 RP = ₹0.50 when redeemed on the HDFC SmartBuy portal.
- Redeemable for flights, hotels, or vouchers.
💡 Effectively gives up to 2.6% return on travel spends.
🍽️ 3. Dining & Lifestyle Perks
- Up to 20% discount at partner restaurants via Dineout / Swiggy Dineout.
- Complimentary timesprime or Amazon vouchers on activation (offer-dependent).
- Access to premium events via HDFC’s “Good Food Trail” and “SmartBuy” partners.
🛫 4. Travel Insurance & Protection
- Complimentary travel insurance up to ₹1 crore for air accident coverage.
- Credit liability cover up to ₹9 lakh.
- Emergency overseas hospitalization cover up to ₹15 lakh.
🪙 5. Fee Waiver Condition
- Annual fee of ₹2,500 is waived if you spend ₹4 lakh/year.
- Renewal fee waived on ₹4 lakh annual spend again.
💡 That makes it effectively free if you spend ₹35,000/month.
📈 Eligibility Criteria (2025)
| Criteria | Requirement |
|---|---|
| Age (Salaried) | 21–60 years |
| Income (Salaried) | ₹1 lakh/month+ |
| Age (Self-employed) | 21–65 years |
| Income (Self-employed) | ₹12 lakh annual ITR |
⚙️ Fees & Charges
| Type | Amount |
|---|---|
| Joining Fee | ₹2,500 + GST |
| Renewal Fee | ₹2,500 + GST |
| Interest Rate | 3.6% per month (43.2% per annum) |
| Forex Markup | 2% |
| Reward Redemption Fee | ₹99 per redemption |
🧾 Pros & Cons
| 👍 Pros | 👎 Cons |
|---|---|
| Excellent airport lounge access | High eligibility requirement |
| Good reward rate for travel and dining | Not ideal for online shopping |
| Fee easily waived with ₹4L annual spend | ₹99 redemption fee on rewards |
| Comprehensive insurance coverage | Limited merchant offers |
💡 Who Should Apply
The HDFC Regalia Gold is ideal for:
- Salaried professionals with monthly spends above ₹30,000–₹40,000.
- Frequent travelers looking for domestic & international lounge access.
- Users who value travel points over direct cashback.
If you mostly spend on fuel, online shopping, or groceries, a card like SBI Cashback or ICICI Amazon Pay might offer better returns.
🏁 Final Verdict
If you’re looking for a premium credit card that combines luxury, rewards, and travel perks, the HDFC Regalia Gold remains a top choice in 2025.
With smart spending, you can easily offset the annual fee and get excellent lifestyle value.
👉 Best Alternative: Axis Magnus for higher-end travel and concierge services.