Joining Fee:
Apply Now₹2500 +GST
Return Percentage:1% to 2.5%
Credit Card Overview
A newer Regalia Gold edition offering elevated rewards, milestone vouchers, and luxury lifestyle privileges with enhanced travel coverage.
Best Suited For: Experience, Travel Booking, Hotel Transfer, Pay by Points
HDFC
Fees and charges at a glance
- Annual fee
- ₹2,500
- Joining fee
- ₹2,500
- Reward rate
- 1% to 2.5%
- Forex markup
- 2%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
HDFC Regalia Gold credit card — Earn Categories
Where you earn more
- PharmEasy via SmartBuy50 reward points / ₹200
A maximum of 2,000 accelerated RPs can be earned per day and 4,000 accelerated RPs can be earned per calendar month. · Minimum ₹200 per transaction
- IGP via SmartBuy50 reward points / ₹200
A maximum of 2,000 accelerated RPs can be earned per day and 4,000 accelerated RPs can be earned per calendar month. · Minimum ₹200 per transaction
Everyday rate
- Base Rewards5 Reward Points (reward points) / ₹200
Minimum ₹200 per transaction
17 more earning categories on this card
We track all 20 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Rent
- Education
- Fuel
- Government
- UPI
- Wallets