HDFC Bank Regalia Gold Credit Card
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Joining Fee: ₹2,500 + GST
Renewal Fee: ₹2,500 + GST
Reward Type: Reward Points
Welcome Benefits
Gift Voucher: Get a ₹2,500 gift voucher upon payment of joining fees.
Complimentary Memberships
MMT Black Elite: Enjoy a 10% extra discount on selected hotels, early check-ins, free room upgrades, discounts on food and beverages, MakeMyTrip My Cash for bookings, and exclusive MMT Black Fest access.
Club Vistara Silver Tier: Includes a complimentary class upgrade voucher, additional check-in baggage allowance, priority check-in, and earn 9 CV Points per ₹100 spent.
Eligibility: Memberships are valid for 1 year and require spending over ₹1 lakh within 90 days of card issuance.
Rewards Benefit
Retail Spends: Earn 4 Reward Points for every ₹150 spent on retail, utilities, insurance, and education, with caps of 2,000 RPs per month on grocery transactions and 2,000 RPs per day on insurance transactions.
Partner Brands: Earn 20 Reward Points for every ₹150 spent on Myntra, Marks and Spencers, Nykaa, and Reliance Digital, with a cap of 5,000 RPs across all brands.
Reward Redemption
Flight/Hotel Bookings: Redeem points at 1 RP = ₹0.50 via the Smartbuy portal.
Airmiles Conversion: Convert points into airmiles at 1 RP = 0.50 airmiles through Netbanking.
Products/Gift Vouchers: Redeem points at 1 RP = ₹0.35 on the Smartbuy portal.
Exclusive Gold Catalogue: Redeem points at 1 RP = ₹0.65.
Cashback: Redeem points as cashback against your card statement at 1 RP = ₹0.20, with a maximum cap of 50,000 RPs per month.
Milestone Benefits
Quarterly Milestones
Spend ₹1.5 lakhs in a calendar quarter to receive ₹1,500 worth of vouchers from M&S, Myntra, Marriott, and Reliance Digital (one voucher per merchant per quarter).
Annual Milestones
Spend ₹5 lakhs to receive ₹5,000 worth of flight vouchers.
Spend ₹7.5 lakhs in the card anniversary year to receive additional flight vouchers worth ₹5,000.
Lounge Access
Domestic Lounges: 12 complimentary accesses to domestic airport lounges each year (both international and domestic terminals). Additional visits are charged as per lounge policies.
International Lounges: 6 complimentary accesses to international lounges per year through Priority Pass. After completing 4 transactions, you can apply for the Priority Pass membership. Additional visits are charged at USD 27 plus GST.
Annual Spend-Based Waiver
Renewal Fee Waiver: Waive the card renewal fee by spending ₹4 lakhs in the card anniversary year.
Insurance Benefits
Accidental Air Death Cover: Up to ₹1 crore.
Emergency Hospitalization Cover: Up to ₹15 lakhs.
Credit Liability Cover: Worth ₹9 lakhs.
Summary
The HDFC Regalia Credit Card offers a ₹2,500 gift voucher upon joining and complimentary MMT Black Elite and Club Vistara Silver memberships with a spend of ₹1 lakh in the first 90 days. Club Vistara benefits include a complimentary upgrade voucher and additional baggage allowance, while MMT Black Elite provides extra hotel discounts, early check-ins, and exclusive access to MMT Black Fest. Milestone rewards include ₹1,500 worth of vouchers each quarter for spending ₹1.5 lakhs, and up to ₹10,000 in flight vouchers annually for spending ₹5-7.5 lakhs. Enjoy 12 domestic and 6 international lounge accesses per year, airport pick-and-drop service, and a renewal fee waiver with ₹4 lakhs annual spend. Insurance coverage includes up to ₹1 crore for accidental air death and up to ₹15 lakhs for emergency hospitalization. Earn 4 Reward Points per ₹150 on regular spends and 20 points per ₹150 on partner brands, redeemable for flights, hotels, products, or cashback.