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HDFC Regalia Gold
HDFC • MasterCard

HDFC Regalia Gold

5X on Marks & Spencer, Myntra, Nykaa, Reliance Digital

Annual Fee₹2500Waived on ₹4L annual spend
Base Reward1.3%On all spends
Lounge Access3324 domestic • 9 intl
Est. Annual Savings₹2,573Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹4,788

Assumes base reward rate only.

Annual fee₹2,500

Waived on ₹4L annual spend

Net value₹2,288

Estimated savings per year.

Fee waiver target: ₹4,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
6.5%
Shopping
6.5%
Basedefault
1.3%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • HDFC Regalia Gold is best positioned as a travel + lifestyle specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 6.5% on travel-aligned lanes, while broad base return remains closer to 1.3%.
  • Current mapped lounge footprint is 33, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and lifestyle spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 2,500 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹2,500
  • Annual fee₹2,500
  • Waiver threshold₹4,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-13

Redemption Truth

  • Cash value/point₹0.25
  • Travel value/point₹0.5
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyReward Points are valid for 2 years from accrual under issuer FAQ.
  • Last verified2026-02-13

Lounge Truth

  • NetworkMasterCard
  • Domestic count12
  • International count6
  • Quarterly limitNot listed
  • Airport-terminal rows33
  • Policy check2026-02-13

Reliability + Outcomes

  • Verification statusverified
  • Freshness days0
  • Source conflicts0
  • Applied reports19
  • Approval reports11

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Swiggy HDFC Bank

Annual fee: ₹500

Shared focus: ShoppingHigher top earn rate (10.0%)Estimated +₹3,918/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for HDFC Regalia Gold using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Lounge access can be tied to prior spend thresholds depending on active issuer policy.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Validate current spend-linked unlock criteria, visit caps, and guest policy in latest HDFC terms before travel.

Priority Pass

International lounge usage may require program enrollment and active eligibility.

Lounge Locations

33 airport lounge rows
View lounge map and location list33 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The Lounge (LBF)Domestic

AHM • Ahmedabad Airport • Terminal 1

Amritsar

1 lounges • 1 domestic • 0 international

1
PrimusDomestic

AMR • Amritsar Airport • Terminal 1

Bengaluru

3 lounges • 2 domestic • 1 international

3
080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Terminal 2

080 International LoungeInternational

BEN • Bengaluru Airport • Terminal 2

BLR Domestic LoungeDomestic

BEN • Bengaluru Airport • Terminal 1

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Terminal 1

Calicut

1 lounges • 0 domestic • 1 international

1
BirdInternational

CAL • Calicut Airport • Terminal 1

Chandigarh

2 lounges • 1 domestic • 1 international

2
Primus LoungeDomestic

CHA • Chandigarh Airport • Terminal 1

Primus LoungeInternational

CHA • Chandigarh Airport • Terminal 1

Chennai

4 lounges • 3 domestic • 1 international

4
Travel Club LoungeInternational

CHE • Chennai Airport • Terminal 2

Travel Club Lounge - T4Domestic

CHE • Chennai Airport • Terminal 4

Travel Club Lounge ADomestic

CHE • Chennai Airport • Terminal 1

Travel Club Lounge BDomestic

CHE • Chennai Airport • Terminal 1

Coimbatore

1 lounges • 1 domestic • 0 international

1
BlackBerryDomestic

COI • Coimbatore Airport • Terminal 1

Dehradun

1 lounges • 1 domestic • 0 international

1
BirdDomestic

DEH • Dehradun Airport • Terminal 1

Guwahati

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

GUW • Guwahati Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Encalm LoungeInternational

HYD • Hyderabad Airport • Terminal 1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Terminal 1

Jaipur

1 lounges • 1 domestic • 0 international

1
PrimusDomestic

JAI • Jaipur Airport • Terminal 1

Kochi

2 lounges • 1 domestic • 1 international

2
Earth LoungeDomestic

KOC • Kochi Airport • Terminal 1

Earth LoungeInternational

KOC • Kochi Airport • Terminal 3

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel Club LoungeDomestic

KOL • Kolkata Airport • Terminal 1

Travel Club LoungeInternational

KOL • Kolkata Airport • Terminal 2

Lucknow

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

LUC • Lucknow Airport • Terminal 2

Mumbai

4 lounges • 3 domestic • 1 international

4
Loyalty Lounge (Clipper)International

MUM • Mumbai Airport • Terminal 2

OASISDomestic

MUM • Mumbai Airport • Terminal T1B TERMINAL 1B

Travel Club LoungeDomestic

MUM • Mumbai Airport • Terminal T1C TERMINAL 1C

Travel Club Lounge (MALS)Domestic

MUM • Mumbai Airport • Terminal T2 TERMINAL 2

Pune

1 lounges • 1 domestic • 0 international

1
Earth LoungeDomestic

PUN • Pune Airport • Terminal 1

Thiruvananthapuram

1 lounges • 0 domestic • 1 international

1
Bird LoungeInternational

THI • Thiruvananthapuram Airport • Terminal 1

Vadodara

1 lounges • 1 domestic • 0 international

1
PremiumDomestic

VAD • Vadodara Airport • Main Terminal

Varanasi

1 lounges • 1 domestic • 0 international

1
Take Off BarDomestic

VAR • Varanasi Airport • Main Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Airport lounge coverage with domestic and international components
  • Milestone benefits at higher annual spend slabs
  • Partner-led memberships and travel privileges as per issuer program
  • Suitable step-up card from entry HDFC rewards products

Things to Consider

  • Fee waiver threshold is high for light spenders
  • Reward acceleration is concentrated on partner categories
  • Base reward rate is moderate versus newer cashback products

About HDFC Regalia Gold

HDFC Regalia Gold is a points card from HDFC, best for mid-range travelers & lifestyle. It is tagged under travel, lifestyle, shopping categories in our database.

TravelLifestyleShopping

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Frequently asked questions

Is HDFC Regalia Gold lifetime free?

It has an annual fee of ₹2500. Waived on ₹4L annual spend

What rewards does HDFC Regalia Gold offer?

5X on Marks & Spencer, Myntra, Nykaa, Reliance Digital

Does HDFC Regalia Gold include lounge access?

HDFC Regalia Gold lists 33 lounge visits (24 domestic, 9 international).

Who should consider HDFC Regalia Gold?

Mid-Range Travelers & Lifestyle

Where can I apply for HDFC Regalia Gold?

Check the issuer website for application availability.