Get Credit Limit up ₹5 Lakhs
Apply Now
The HDFC Bank Regalia Gold Credit Card is designed for people who enjoy premium travel, shopping, and lifestyle privileges. As a significant upgrade within the HDFC Regalia credit card family, especially in light of the recent devaluation of features on other Regalia variants, this card presents a comprehensive set of features that justify the investment for those who can meet the requisite spending thresholds to optimise its benefits.
Easily calculate your monthly EMIs for credit card purchases with Airtel Finance. Enter the amount, tenure, and interest rate to get instant estimates.
Explore the key HDFC Bank Regalia Gold Credit Card benefits below:
Upon paying the joining fee, new cardholders of the HDFC Bank Regalia Gold Credit Card will receive a welcome voucher worth ₹2,500, which can be redeemed across various partner brands. You will also get complimentary Swiggy One and MMT Black Gold Membership when you spend Rs. 1 lakh and above within 90 days of card issuance.
You are entitled to HDFC Regalia Gold lounge access for 12 complimentary domestic airport lounge visits annually, with no quarterly limits. For international lounge access, you can take advantage of the Priority Pass membership, which allows up to 6 visits per year for both the primary cardholder and add‑on members.
On quarterly spends of ₹1.5 lakh, you will receive vouchers worth ₹1,500 from popular brands such as Marriott, Myntra, Marks & Spencer, or Reliance Digital. If you spend ₹5 lakh annually, you will be awarded flight vouchers worth ₹5,000. On spends of ₹7.5 lakh, you will receive an extra ₹5,000 in vouchers.
You can earn 4 reward points for every ₹150 spent on daily and retail purchases, including groceries, apparel, utilities, bill payments, insurance, and school fees. You can earn 5X reward points on spends at lifestyle brands such as Myntra, Marks & Spencer, Reliance Digital, and Nykaa.
Concierge Services: Available 24/7 to cater to your specific needs.
Insurance Coverage: Includes an accidental air death cover of ₹1 crore, emergency overseas hospitalisation coverage of up to ₹15 lakh, and credit liability cover of up to ₹10 lakh.
Get lounge access to over 1,000 lounges globally with your Priority Pass and domestic lounge access network.
Earn 4 reward points for every ₹150 on retail spends and up to 5X points at select lifestyle merchants, making the HDFC Gold credit card a rewarding companion.
The annual membership fee is ₹2,500 plus taxes, which is waived on reaching ₹4 lakhs in annual spends, making the HDFC Regalia Gold credit card cost‑effective for high‑spenders.
The following fee structure is based on HDFC Bank’s schedule (August 2026). Where exact amounts are not specified, please refer to the bank’s website.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹2,500 + taxes |
| Annual Membership Fee | ₹2,500 + taxes (waived on annual spends of ₹4,00,000) |
| Add‑on Card Fee | Nil |
| Finance Charges | As per HDFC Bank’s revolving credit rates |
| Foreign Currency Markup Fee | Please check HDFC Bank’s latest schedule |
| Cash Advance Charges | Please check HDFC Bank’s latest schedule |
Before applying, it is important to understand the credit card eligibility criteria for the HDFC Bank Regalia Gold Credit Card.
Salaried individuals must be between 21 and 60 years of age, while self‑employed applicants can range from 21 to 65 years.
Salaried applicants require a net monthly income above ₹1,00,000. Self‑employed applicants must show an ITR above ₹12 lakhs per annum.
Both salaried and self‑employed individuals are welcome to apply, subject to fulfilling the specific income and age criteria.
A strong credit history and high score are necessary for approval, aligned with HDFC Bank’s internal underwriting policies.
You can apply for the HDFC Regalia Gold credit card online via the Airtel App or HDFC Bank’s website. Follow the steps below to submit your application.
Confirm your age, income, and credit score meet the HDFC Regalia Gold eligibility requirements before starting.
Provide your personal, employment, and contact details accurately on the secure application page.
Upload scans of your PAN card, identity/address proof, and income proof (salary slips or ITR).
The bank may conduct a video KYC or physical verification to authenticate your details.
Once approved, the HDFC Bank Regalia Gold credit card will be dispatched and delivered within 7‑10 working days.
Log in to your HDFC Bank NetBanking account, navigate to the ‘Cards’ section, select the card activation option, and set your PIN. You can also activate it by using the card for any online or POS transaction.
Call the IVR number 1860 266 0333, input your card number, validate via OTP, and set your PIN. You can also use WhatsApp Banking (send ‘Manage My Credit Card’ to 7070022222) or interact with EVA on HDFC Bank’s website.
Use the MyCards portal or HDFC Bank mobile app. Log in, link your credit card, and enable transactions under the ‘Card Control’ tab.
Log in to the HDFC Bank rewards portal, navigate to ‘Rewards’ or ‘Points Redemption’, and convert your points to air miles on partner airlines or redeem them for gift vouchers from a wide range of brands.
Select the air miles conversion option to use your points towards flight bookings and travel upgrades. Redemption values vary depending on the chosen category (e.g., Gold Catalogue vs. flights).
You can also redeem points for cash back credited directly to your card account, merchandise, experiences, or charitable donations through the rewards program.
Earn up to 25% cashback on Airtel Mobile, Broadband & DTH recharges through Airtel App.
*T&C apply
