Issuer statement-credit values conflict and bonus/base cap needs channel-specific model; estimate withheld.
Issuer statement-credit values conflict and bonus/base cap needs channel-specific model; estimate withheld
Partial field review; terminal maps and channel-specific acceleration require separate checks
Latest change: Source-backed data correction; no inferred issuer devaluation date
For Mid-Range Travelers & Lifestyle. Reward estimate withheld; review model limits. ₹2,500 fee, waiver at ₹4,00,000 / year. Lounge rule: ₹60,000 / quarter.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Mid-Range Travelers & Lifestyle
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
Annual value is withheld. Review the available earning rules and source limitations before choosing a redemption route.
Joining fee ₹2,500
Waived on ₹4L annual spend
Model limits
Value estimate unavailable: fee or benefit evidence needs review. Check listed issuer sources before applying.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
12 domestic • 6 international policy count
Card-level policy notes: • Domestic lounges: 3 visits per quarter after ₹60,000 preceding-quarter spend; international Priority Pass quota 6 yearly. • Domestic lounge entry: swipe Regalia Gold; ₹2 validation is reversed. No lounge voucher required. • Lounge qualifying spend excludes EMI and uses settlement date. Cards opened in final month of quarter may receive next-quarter exemption; confirm with HDFC. • Airport lounge coverage with domestic and international components Policy override notes: • Domestic lounge entry: swipe Regalia Gold; ₹2 validation is reversed. No lounge voucher required. • Lounge qualifying spend excludes EMI and uses settlement date. Cards opened in final month of quarter may receive next-quarter exemption; confirm with HDFC. • 3 India lounge visits per quarter after ₹60,000 preceding-quarter retail debit spend, excluding EMI; settlement date determines inclusion. • International lounge usage may require program enrollment and active eligibility. - Source file: HDFC Infinia / Regalia Gold domestic lounge list PDF. - Source header states this list applies to Infinia and Regalia Gold variants. - Validate current spend-linked unlock criteria, visit caps, and guest policy in latest HDFC terms before travel. Verify latest spend criteria and guest access with issuer before travel.
Mapped from issuer lounge dataset + card policy signals
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
This card does not have publishable enrichment records in the current high-confidence snapshot.
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.
Scoped issuer review: 2026-10-12. Purchase earning, caps and selected fee/redemption/policy facts only. Not a whole-card certification.
Issuer statement-credit values conflict and bonus/base cap needs channel-specific model; estimate withheld.
Still to check: full tariff, redemption path, availability/cohort, promotions and current airport locations for your intended use.