Credit Card Compare

HDFC Bank Regalia Gold Credit Card

Data last updated 7 October 2026
45.00%
Purchase rate
₹2,500
Annual fee
50 days
Interest-free
Application

CardIQ

46Fair

Fair

Overall score, out of 100 · How this works

  • Airport lounge45
  • Rewards36
  • Travel58

Customer reviews

No reviews yet. Be the first to review the HDFC Bank Regalia Gold Credit Card.

Pros & cons

What's good

    Worth noting

      Card details

      The basics

      Additional cardholder fee
      ₹0 p.a.
      Card tier
      Not published
      Card type
      Not published
      Card use
      Personal
      Credit limit
      Not published
      Credit rating
      Not published
      Rewards program
      HDFC Bank Reward Points

      Eligibility

      Instant approval
      Not published
      Joint application
      Not published
      Minimum age
      21 years old
      Minimum income
      ₹12,00,000 p.a.
      Residency
      Indian nationality; salaried aged 21 to 60 (net monthly income above ₹1,00,000 government, above ₹1,50,000 non-government); self-employed aged 21 to 65 (ITR above ₹18 lakh a year)
      Temporary residents
      Not published

      Rates & fees

      Ongoing interest rates

      Cash advances
      45.00% p.a.
      Purchases
      45.00% p.a.

      Fees

      Additional cardholder fee
      ₹0
      Annual fee
      ₹2,500 p.a.
      Cash advance fee
      2.5% of the amount
      Foreign transaction fee
      2%
      Late payment fee
      ₹1,300
      Over limit fee
      ₹550

      Repayments

      Interest-free period
      Up to 50 days on purchases
      Minimum repayment
      5% of (retail spends + cash advance + finance charge) plus GST, EMI amounts, 100% of fees and charges and any over-limit amount; where 5% is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (HDFC Bank MITC, from June 2025)

      Balance transfers

      This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

      Introductory purchase offer

      This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

      Rewards

      Earn rate

      Everyday spend
      5 Reward Points per ₹200
      Bonus categories
      None
      Other purchases
      None
      Overseas spend
      None
      Reduced rate above monthly cap
      None
      Points cap
      Maximum 50,000 points per month
      Points expiry
      Valid for 2 years from the date of accumulation (reward points terms PDF)

      Sign-up bonus

      Bonus spend required
      —
      Sign-up bonus
      —

      Where this card sits vs similar cards

      Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

      Purchase rate45.00%Tied for best (1st of 11 cards)
      Interest-free days50 daysTop 10% (2nd of 11 cards)
      Overseas fee2.00%Top 25% (3rd of 11 cards)
      Rewards value₹11,250 a yearBetter than most (3rd of 7 cards)
      Annual fee₹2,500 a yearNot as good as most cards (9th of 11 cards)

      Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

      Compare side by side

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      Compare the HDFC Bank Regalia Gold Credit Card against every other card in its category.

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      Questions and answers

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      Sources

      Credit Card Compare
      How CardIQ scores cards
      Issuer
      HDFC Bank