Home Credit Card HDFC Financial institution Regalia Gold Credit score Card Assessment – CardExpert

HDFC Financial institution Regalia Gold Credit score Card Assessment – CardExpert

HDFC Financial institution Regalia Gold Credit score Card Assessment – CardExpert


HDFC Bank Regalia Gold Credit Card Review

HDFC Financial institution has not too long ago give you a brand new way of life bank card for the premium phase underneath the identify Regalia Gold Credit score Card. It’s no surprise that HDFC Financial institution is as soon as once more making the most of the “Regalia” model which is thought within the business for its decade lengthy fame.

HDFC Regalia Gold Credit score Card stands above Regalia & Regalia First and is likely one of the finest premium bank card to carry for the time being. Right here’s the whole lot it’s essential know.


Sort Premium Credit score Card
Reward Charge 1.3% – 13.2%
Annual Charge 2,500 INR + GST
Finest for Airport lounge entry
USP Precedence Cross for Add-on playing cards & milestone advantages

At this payment level, HDFC Financial institution’s Regalia Gold Credit score Card is totally loaded with journey advantages and rewards.

Do be aware that Regalia Gold Credit score Card is totally different from Regalia & Regalia First Credit score Playing cards which have been devalued not too long ago.

Even-though it’s been some time since Regalia Gold Credit score Card was launched, it by no means felt like a card to carry till not too long ago when the financial institution devalued the lounge entry advantages on different Regalia variants.

Becoming a member of Charges

Becoming a member of Charge 2,500 INR + GST (Issued as FYF at occasions)
Welcome Profit 2,500 INR voucher (on paid playing cards)
Renewal Charge 2,500 INR + GST
Renewal Profit Nil
Renewal Charge waiver On spending >4 Lakhs

Whereas renewal payment waiver is simple to hit for many holding this card, I want they’d a renewal profit as properly on paid playing cards.

However, HDFC Financial institution’s Regalia Gold Credit score Card is undoubtedly one of the best way of life bank card within the phase for what it presents.

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Membership Advantages

Regalia Gold Membership Benefits
  • Membership Vistara – Silver Tier
  • MMT Black Elite Membership

Above memberships are offered as part of welcome profit for the primary 12 months but it surely doesn’t “appear to” renew yearly.

Trying on the memberships, I’m wondering who’s utilizing MMT Black as of late, however Membership Vistara Silver Tier is actually a great one to carry because it offers one improve voucher, precedence check-in, elevated 5Kg baggage allowance and extra.

Notice that you’d must spend 1L INR within the first 90 days of card issuance for the membership advantages to be activated.

Advantages can be unlocked inside 48 hours on achievement of the spend standards. This is applicable to all milestone advantages as properly which we’ll see shortly.


Common Spends 4 / 150 INR ~1.3%
Accelerated Spends (5X) 20 / 150 INR ~6.6%
Smartbuy Flights / Vouchers (5X) 20 / 150 INR ~6.6%
Smartbuy Motels (10X) 40 / 150 INR ~13.2%
  • Manufacturers for Accelerated Spends: Marks & Spencer, Myntra, Nykaa & Reliance Digital. Capping: 5000 Reward Factors/month
  • Smartbuy Cap: 4000 RP’s month-to-month / 2000 RP’s each day
  • Grocery Reward Capping: 2000 reward factors in a month for grocery purchases.
  • No rewards on gas, pockets, hire and tax funds.

The common rewards on the cardboard is kind of low for the phase and so the accelerated rewards are usually not thrilling both.

However that’s respectable for this phase and the milestone advantages are there to spice up the general reward price.

Milestone Advantages

1.5 Lakhs per Qtr 1,500 INR Model Vouchers
5 Lakhs 5,000 INR Flight Vouchers
7.5 Lakhs 5,000 INR Flight Vouchers
  • Vouchers Manufacturers: Marriott, Myntra, Marks & Spencer or Reliance Digital
  • Flight Voucher is supposed for “one” flight as per the t&c.
  • Quarterly spends are calculated each “Calendar” Quarter

I’m completely happy to see that HDFC Financial institution is shifting to Quarterly milestone system which I’ve been hoping to see for a few years, as month-to-month milestones are fairly taxing to the thoughts.

So assuming you’re in a position to spend 7.5L with required Quarterly spends, the milestone reward price can be 2.1% on prime of 1.3% common reward price, therefore giving a internet reward price of three.4% which appears fairly profitable on paper.

Nevertheless, keep in mind that these are flight/model vouchers and never common reward factors, so it may be difficult to benefit from the full reward price as per the calculations, as you would wish to “successfully” redeem these vouchers on “time”.


There are a number of choices to redeem rewards, as under:

  • Flights / lodge bookings: 1 RP = Rs 0.5 (through Smartbuy portal)
  • Airmiles conversion: 1RP = upto 0.5 airmiles (through Smartbuy portal)
  • Unique Gold Catalogue: 1 RP = Rs 0.65 on premium model vouchers (through Smartbuy portal)
  • Assertion Credit score: 1 RP = Rs 0.20 (by no means do it)

Unique Gold catalogue redemption appears good with higher worth and it consists of merchandise from premium manufacturers reminiscent of Apple, Samsung, Bose, and so forth.

Nevertheless, be aware that accumulating factors on Regalia Gold is just not simple because the common earn price of the cardboard (excluding milestone profit) is kind of low.

Airport Lounge Entry

Home Visa / Mastercard 12/Yr
Worldwide (Main) Precedence Cross 6/yr (shared)
Worldwide (Add-on) Precedence Cross 6/yr (shared)

For home entry, 12 visits a 12 months with none quarterly limits are greater than sufficient for many.

For worldwide entry, every add-on card will get a separate precedence cross card.

HDFC Financial institution Regalia Gold Credit score Card is a tremendous card for household travellers as you will get Add-on playing cards for your loved ones members which permits entry not solely to home airport lounges but additionally worldwide lounges.

Do be aware that the record of home lounges eligible for Regalia Gold is best than different Regalia variants and is now in par with Infinia.

When you’re on the lookout for the lounge entry profit just for major cardholder and when you’re okay to be on the Diners Membership community (comparatively much less acceptance), you then may as properly discover the HDFC Marriott Bonvoy Credit score Card.

You may apply for Precedence Cross for self and add-on members when you full minimal 4 retail transactions in your HDFC Financial institution Regalia Gold Credit score Card.

Airport Transfers

  • 2 complimentary airport transfers per Quarter
  • Requirement: flight tickets have to be booked through Regalia Gold Smartbuy portal 

You may generate 1 voucher per flight reserving on smartbuy portal and upto 2 vouchers in 1 / 4.

The voucher seems to be a 300 INR Uber reward card which can be utilized for airport decide / drop journey.

Airport switch profit is likely one of the most necessary profit on the cardboard in my view but it surely’s fairly shocking to see that HDFC neither promotes this profit nor lists the profit on the principle HDFC portal resulting from which the Imperia help says “It’s Smartbuy profit and so name them”. Hmm!

I attempted to name Smartbuy Assist to test extra particulars on this however went on a protracted maintain and couldn’t join with any. However thankfully they confirmed the profit on e mail after writing to Smartbuy e mail help.

Foreign exchange Markup Charge

  • Foreign exchange Markup Charge: 2%+GST = 2.36%
  • Reward price on Intl. Spends: 1.3% (identical as home)
  • Internet acquire: ~1% (loss)
  • Internet acquire: ~1% (acquire) if we embody milestone profit as properly.

So, HDFC Regalia Gold bank card is OKAY for worldwide spends relying on how a lot you spend on the cardboard. But, there isn’t a substantial acquire.

Nevertheless, you could as properly activate World Worth program to get extra 1% cashback on worldwide spends.


HDFC Regalia Gold Credit Card
  • Revenue: >1L INR monthly (or) 12L each year for self employed
  • Improve: ~3 Lakh credit score restrict on present HDFC Financial institution Credit score Card

Improve presents have been rolled out not too long ago for a lot of the present LTF Regalia & Regalia First Cardholders.

Do you have to improve? When you’re holding different Regalia variants, then it’s the appropriate time to maneuver on to Regalia Gold Credit score Card as this offers entry to superior lounge entry profit, higher reward price, airport transfers and different advantages.

When you’re afraid of loosing the LTF profit, keep in mind that lifetime free bank cards are designed to be devalued. When you’re new right here, you could must learn this previous fact about lifetime free playing cards for extra gyaan.

How one can Apply?

The best option to apply for an HDFC Financial institution’s bank card is by making use of on-line, you could use this hyperlink to use.

Chances are you’ll as properly apply offline from the department however offline purposes takes extra time than on-line purposes, for all of the recognized causes.

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  • Cardexpert Ranking: 4.5/5

Total HDFC Financial institution’s Regalia Gold Credit score Card is a decently rewarding Credit score Card within the phase and can be utilized as a household journey card as that is the one card that provides Precedence Cross for add-on card holders too formally at this payment level.

Whereas the cardboard is loaded with many advantages, the problem is that you just’ll must maintain few issues in thoughts (redemption/expiry of vouchers, and so forth) to be sure you’re availing all the advantages as anticipated.

Have you ever taken the Regalia Gold Credit score Card not too long ago? Be at liberty to share your ideas within the feedback under.



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