HDFC Regalia Gold Credit Card Review

Earlier in 2023 HDFC launched Regalia Gold which is an upgraded version of their most popular HDFC Regalia credit card. With this, the HDFC Bank has positioned it just below the HDFC luxury twins HDFC Infinia Credit Card and HDFC Diners Club Black Credit Card. I have recently taken a plunge into it.

Here’s everything you wish to know about the card.

Charges and Welcome Benefits​

Joining Fees	₹2500 + GST or FYF (Upgrade)
Welcome Benefits	1) Gift Voucher worth ₹2500 (Paid Cards) 2) Complimentary Club Vistara Silver Tier and MMT Black Elite Membership*
Renewal Fees	₹2500 + GST
Renewal Benefits	NIL
Renewal Fee Waiver	Spend ₹4L or more in a year.

• *Applicable on ₹1L spent within 90 days of card issuance

HDFC has done away with reward points on both welcome and annual benefits on Regalia Gold which I found surprising since its a premium reward points based travel card.

Reward Points Accrual​

Spends Area	Reward Rate	Maximum Capping per Calendar Month
All retail* spends	4 Reward Points per ₹150 spent (1X)	No capping
Marks & Spencers, Myntra, Nykaa & Reliance Digital	20 Reward Points per ₹150 spent (5X)	5000 per month on 4X accelerated points

*Except for Fuel, Rental Payments, Packers and Movers, Government Transactions, Wallet loads, and Easy EMI transactions.

• Reward points are valid only for 2 years from the date of accumulation
• Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per day
• Reward points accrued for Grocery transactions will have a maximum cap of 2,000 per month

HDFC Bank has a dedicated portal named SmartBuy with which we get some extra rewards and cashback.

SmartBuy Benefits​

Accelerated Reward Rate	Maximum Reward Points per Calendar Month	Maximum Reward Points per Day
Upto 10X	4000	2000

• It supports merchants like Flipkart, MakeMyTrip, IGP, Apple Tresor, and likes. It also supports multiple partners for travel bookings like IRCTC, RedBus, MMT and Yatra.

Reward Points Redemption​

HDFC Bank Regalia Gold's Unified SmartBuy Portal

Modes of Redemption	Value per point	Reward Rate	Redemption Charges
Exclusive Gold Catalogue (Apple, Samsung, Bose & other vouchers)	1 RP = ₹0.65	~1.73(1X) ~8.66(5X) ~17.33(10X)	₹99 + GST
Flights and Hotel bookings via SmartBuy	1 RP = ₹0.5	~1.33%(1X) ~6.65%(5X) ~13.3%(10X)	₹99 + GST
Products and Vouchers via Netbanking or SmartBuy	1 RP = upto ₹0.35	~0.93%(1X) ~4.65%(5X) ~9.3%(10X)	₹99 + GST
Cashback (Statement Credit)	1 RP = ₹0.20	~0.53%(1X) ~2.65%(5X) ~5.3%(10X)	None
Airmiles/Hotel Loyalty Points	1 RP = up to 0.50 Miles/ Points	Minimum ~1.33%(1X)	None

Redemption Value Chart.

• Customers can redeem up to a maximum of 70% on travel bookings (Flights, hotels and experiences) using Reward Points. The balance amount will need to be paid via credit card.

Although the maximum value on paper lies in the redemptions via Gold Catalogue in which you can buy iPhones, Bose products and Samsung phones then you will be missing the instant card discount on the same. The best redemptions on Regalia Gold would be airmiles or hotel redemptions since it comes with a gold partner redemption list or else simply you can go for travel redemptions from the SmartBuy portal.

We have compiled all the Airmiles transfer partners and hotel loyalty partners for Regalia Gold.

Milestone Benefits​

• Get ₹1,500 Gift Voucher from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend 1.5 Lakhs in every calendar quarter.
• Get ₹5,000 worth of flight vouchers when you spend ₹5 Lakhs in an anniversary year
• Get an additional ₹5,000 worth of flight vouchers when you spend ₹7.5 Lakhs in an anniversary year
• An anniversary year is defined as a 12-month period from card setup or the last upgrade/downgrade date.

All these benefits add up to ₹16,000 on a spend of ₹7.5L a year which is approximately 2.1% of additional benefits other than the base rewards.

Other Benefits​

Airport Lounge Access​

Access Via - Credit Card
Complimentary Domestic Limit - 12 Visits/ Calendar year within India (Shared between Primary & maximum 3 Add-on cardholders but both cards cannot be used for the same lounge, same day).
Network - Visa Signature/ MasterCard World

Access Via - Priority Pass
Complimentary International Limit - 6 Visits/ Calendar year (Shared between Primary & Add-on cards)

• You can apply for a Priority Pass for yourself and 3 add-on members once you complete a minimum of four retail transactions on your HDFC Bank Regalia Gold Credit Card.
• If you exceed the 6 Complimentary visits, you will be charged at US $27 + GST per visit.

Airport Transfers​

You can avail of 1 voucher per booking if you book your flight tickets through the Regalia Gold Unified Smartbuy portal. You have to generate your voucher code and use it in the Uber application for the airport pick-and-drop service. This voucher can be generated a maximum of twice per quarter. Quite a unique and value-oriented feature I must say.

Good Food Trail Program​

• Get up to 20% savings on all your restaurant bill payments via Swiggy Dineout (20k+ restaurants)
• Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done via the Swiggy App.

Fuel Surcharge Waiver​

No fuel surcharge waiver is applicable on this card.

Insurance Coverage​

• Accidental air death cover worth Rs. 1 Crore
• Emergency overseas hospitalization: up to Rs. 15 lakhs
• Lost Card Liability Cover: Upto Rs 9 lakhs

Concierge Services​

Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Regalia Credit Card. Simply call the bank toll-free on 1860 425 1188 (India) / Email ID: regaliagold.support@smartbuyoffers.co

Forex Markup Charges​

• FCY Markup Fee: 2%+GST
• Reward Rate: 1.3%
• Net: –1% (loss)

Eligibility​

Officially the bank has the following criteria but can vary as per your relationship with the bank.

For Salaried Indian national

• Age: Min 21 years & Max 60 Years
• Net Monthly Income > Rs 1 Lakh

For Self Employed Indian national

• Age: Min 21 years & Max 65 Years
• ITR > Rs 12 Lakhs per annum.

Unofficially, If you are an existing HDFC Credit Cardholder then you can ask for an upgrade if there is a 3L limit on your existing card.

TechnoFino Recommends​

HDFC Regalia Gold Credit Card is definitely a highly rewarding and lifestyle credit card and is also the gateway to the HDFC twins. With an upgraded list of transfer partners, travel vouchers and complimentary airport transfers this card surely packs a lot of punch.

Since many LTF Regalia holders have already received an upgrade invite to FYF Regalia Gold I would recommend them to take the plunge and enjoy the shining new card and the host of benefits that it has to offer over its predecessor.

What are your thoughts about this card? Feel free to share in the comments below.

 

[hedgehog2122]

Hi everyone, i can see this transaction entry "mastercard guest che. st." in unbilled statement of HDFC Regalia Gold Mastercard.
Unable to understand what it is for, haven't used a lounge for myself or even for a guest.
Since the amount is NIL not really bothered but curious.
Pls advise.

Can someone pls advise on this

 

[awara]

but both cards cannot be used for the same lounge, same day)

This beats the whole purpose of issuing an addon card. If me and my wife are traveling together and she's holding an add-on card, we can't use the same domestic lounge together?

 

[Random123]

Hi can anyone please let me know if wallet loads will be counted for milestone / joining benefits calculation for regalia gold ?
I understand there won't be any reward points for the same. Thanks

 

[hedgehog2122]

Hi can anyone please let me know if wallet loads will be counted for milestone / joining benefits calculation for regalia gold ?
I understand there won't be any reward points for the same. Thanks

I also need answer of this question.

 

[Random123]

I also need answer of this question.

Hi, I went ahead and did wallet transaction and looks like it is getting counted in milestone tracker https://offers.reward360.in/milestone/regaliagold/milestone. Hope this helps.

 

[vijaypathak077]

i have millennia card getting offer to upgrade to this, is it worth?

 

[shutapdiya]

Hi, I went ahead and did wallet transaction and looks like it is getting counted in milestone tracker https://offers.reward360.in/milestone/regaliagold/milestone. Hope this helps.

you took the FYF upgrade?

 

[Random123]

you took the FYF upgrade?

Hi yes I did take it after they didn't convert to LTF even at PNO. I currently don't have corporate relationship but will talk to corporate RM and see if moving salary account will make any difference.
Also millennia was LTF but not really getting used anywhere, and hence it was difficult to do the spends which they keep asking for when there are other alternatives. These are the times when I think the ULIP option might be better option that this hassle but need to do due diligence for that.

 

[redcarpet]

Hi, I went ahead and did wallet transaction and looks like it is getting counted in milestone tracker https://offers.reward360.in/milestone/regaliagold/milestone. Hope this helps.

Which wallet u did?
As per official tnc wallet transactions are excluded

 

[Random123]

Which wallet u did?
As per official tnc wallet transactions are excluded

Have used paytm. So you would have to bear the wallet charges. The milestone tracker has counted the transaction though base reward points won't be accrued basis the exclusions they shared in https://offers.reward360.in/regaliagold/milestone_tc

 

[shutapdiya]

Hi yes I did take it after they didn't convert to LTF even at PNO. I currently don't have corporate relationship but will talk to corporate RM and see if moving salary account will make any difference.
Also millennia was LTF but not really getting used anywhere, and hence it was difficult to do the spends which they keep asking for when there are other alternatives. These are the times when I think the ULIP option might be better option that this hassle but need to do due diligence for that.

If your Millennia wasnt getting used much how do you plan to spend 4 Lac in case if they do not covert it LTF?

 

[Random123]

If your Millennia wasnt getting used much how do you plan to spend 4 Lac in case if they do not covert it LTF?

Yes that was the dilemma, but this atleast has some accelerated partners which I can spend on. Also took since it is FYF. The plan is to talk to the RM directly and see if either Regalia gold can be made LTF or upgrade to DCB Metal FYF. The grievance team isn't doing that under alumni program. So wallet loads is my go to for the spends though not fan of manufactured spends. Anyway not eligible for infinia based on salary or CL.

PS : On unrelated note, realized the other day that I used to collect pokemon tazoos during childhood, collect coins and notes during teens and now collecting cards which I should slow down lol

 

[svijayan86]

Is this correct?? Because i tried to transfer regalia points for accor and got 99 rupees redemption fee ??

 

[amit]

can apply via C4C?

 

[percolate]

Will rent payments be counted towards annual spends to waive off the fee?

 

[Heehaahee]

Will rent payments be counted towards annual spends to waive off the fee?

Yes it will

 

[Heisenberg37]

Can you transfer regalia gold reward points to Club vistara?
I can’t find CV in infinia

 

[chatenrk]

Is this correct?? Because i tried to transfer regalia points for accor and got 99 rupees redemption fee ??

Every transfer is charged 99+GST. So better to transfer bulk at once.

 

[chatenrk]

As per above screenshot, do we get 120 reward points or 60 reward points. Confused at what will the percentage gain when transferred to Accor from HDFC.

 

[credit geek]

120 reward points valued at Rs.60