Card & Reward
Annual fee
Renewal fee waived on spends of ₹4 lakh a year
Rewards
Up to 5 points per ₹200
HDFC Bank Reward Points
Lounges
Domestic + international
See conditions below
Best for
Travel and lounge access on everyday spends

Tap or click any underlined figure to see its source, check date and history.

Earning

Reward Points on eligible spends. Partner bonus points are capped every month.

SpendRateCap
Eligible spendsNo cap
Myntra, Nykaa, Reliance Digital and Marks & Spencer

Earns nothing on:

Milestone benefits

Quarterly spend milestoneOne voucher (Myntra, Nykaa, Reliance Digital or Marriott) on spends of ₹1,50,000 in a calendar quarter

Lounges

Access rules for the primary cardholder.

Domestic Spend needed: Spends in the preceding calendar quarter
Internationalvia Priority Pass

Fees and charges

Joining feeNot available
Annual feeJoining and renewal fee as listed in the MITC
Welcome benefitNot available
Foreign currency markupNot available
Interest
Late payment fee
Cash withdrawal fee
Fuel surcharge waiver
Fee on rent payments
Fee on utility payments
Fee on wallet loads
Fee on education payments via apps

Every credit card side by side: annual fees, waivers and markup

Eligibility

As published by the bank. Banks may ask for more.

Income neededNot available
AgeNot available
Other conditionsNot available

History

Every change recorded for this page since we started tracking it.

  1. 1 Jul 2026Lounge rule
    Domestic lounge access set at 3 visits a quarter, only after ₹60,000 of spends in the preceding quarter
    HDFC Bank Regalia Gold product feature change notice (2026)PDF (opens in a new tab)
  2. 15 May 2026Cut
    Reward rate revised to 5 Reward Points per ₹200 on eligible spends; 1.75% fee introduced on international transactions in rupees; Boarding Edge travel benefits added
    HDFC Bank Regalia Gold product feature change notice (2026)PDF (opens in a new tab)

Sources

The documents behind every figure on this page.

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