Cards · HDFC Bank

HDFC Bank Regalia Gold Credit Card: rewards, caps and exclusions

The HDFC Bank Regalia Gold Credit Card pays about 3.75% on SmartBuy hotel bookings — flights and instant vouchers earn 5X, capped — see the issuer's terms, and 0.38% on everything else. Below is every rate, cap and exclusion in HDFC Bank's published terms, as we last checked them on 8 October 2026.

Visa, Mastercard₹2,500 a yearPaid in points

What it earns

≈3.75%SmartBuy hotel bookings — flights and instant vouchers earn 5Xcapped — see the issuer's terms

≈1.88%Select merchantson the first ₹40,000 of spend a month

≈0.38%Bills, Grocerieson the first ₹80,000 of spend a month

≈0.38%Everything elseno cap stated

≈ marks a rate paid in points, valued at ₹0.15 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Fuel
Wallet loads
EMI conversions
Rent
Government payments

Milestones

In HDFC Bank's own words:

quarterly: ₹1.5L net retail / calendar quarter → ₹1,500 voucher (Myntra/Nykaa/Reliance Digital/Marriott) → ₹1,500 voucher
annual: ₹7.5L net retail / anniversary year → ₹5,000 flight ticket (SmartBuy voucher) → ₹5,000 flight voucher

Fees

Annual fee: ₹2,500, plus 18% GST
Joining fee: ₹2,500
Annual fee waived on ₹4,00,000 of spend in a card year

Welcome benefit: Swiggy One 12-mo + MMT Black Gold on spending ₹1,00,000 within 90 days.

Where this comes from

Transcribed from HDFC Bank's own documents and checked against them on 8 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with HDFC Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

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Zenidhi reads your HDFC Bank statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works