Real Annual Value
What's it actually worth for you?
Monthly SpendRs.50.0K
Gross rewardsRs.16,910
Annual fee-Rs.2,500
Net annual value+Rs.14,410
Value Breakdown
travel (5x)+Rs.1,500
Base rate (1.65%)+Rs.8,910
Welcome benefit+Rs.2,500
Lounge access (18 visits)+Rs.4,000
Annual fee (waived)+Rs.0
Joining fee (year 1)Rs.2,500
Highlights
- Marriott Silver status
- Domestic + international lounges
- 5X on partners
Drawbacks
- Spend-gated lounges (added May 2026)
- Reward rate cut to 5pts/Rs.200 (was 4pts/Rs.150)
Reward Rates
Earn by category
travel
5X
5X on Marriott, Myntra, Cult, Nykaa
Devaluation History
Beware — this card has been devalued
01 May 2026
Reward rate cut from 4 pts/Rs.150 to 5 pts/Rs.200 (-6%)
reward rate
01 May 2026
Lounge access now requires Rs.60K/quarter spend
lounge
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Questions
Frequently asked questions
What is the annual fee of HDFC Regalia Gold?
The annual fee is Rs.2.5K + GST. It may be waived if you meet the annual spend threshold.
What is the reward rate on HDFC Regalia Gold?
HDFC Regalia Gold earns a base rate of 1.65%. See the reward-rates section above for category accelerators.
How to apply for HDFC Regalia Gold?
Apply online through HDFC's website, or use the Apply & Earn button on this page for a direct, unbiased apply link. Eligibility typically needs a credit score of 750+ and income as per bank criteria.