HDFC Regalia Gold
HDFC About This Card
The HDFC Regalia Gold is the sweet spot in HDFC's card portfolio — premium benefits at an accessible ₹2,500 annual fee that's easily waived at ₹3L annual spend. With 8 domestic and 4 international lounge visits per quarter and 3.3% back on SmartBuy travel bookings, it's the go-to card for mid-range travellers.
Pros & Cons
Pros
- Excellent value for fee
- Good lounge access with spend gate
- SmartBuy 10X rewards
- Easy fee waiver at ₹3L
Cons
- 2% forex markup
- Lounge visits need ₹35K quarterly spend
- Reward rate drops without SmartBuy
Fee Details
Reward Structure
Lounge Access
Key Highlights
- + 3.3% back on travel via SmartBuy
- + 8 domestic + 4 international lounge visits/quarter
- + Golf programme access
- + Low ₹2,500 annual fee with easy waiver
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