HDFC Regalia Gold Credit Card: Elevating Your Lifestyle with Financial Finesse


The HDFC Regalia Gold Credit Card stands as a testament to luxury and financial prudence, offering a myriad of benefits that cater to the discerning needs of the modern consumer. This premium credit card is not just a piece of plastic; it is a gateway to a world of exclusive privileges and enhanced lifestyle experiences.

Application and Eligibility

The journey with HDFC Regalia Gold begins with a simple application process. To be eligible, individuals must meet certain income criteria, ensuring that this credit card is tailored for those who appreciate the finer things in life. The seamless online application is complemented by swift approval, making it a hassle-free experience for potential cardholders.

Welcome Rewards

Upon approval, the cardholder is welcomed into the world of Regalia Gold with a shower of welcome rewards. These rewards may include bonus points, vouchers, or even complimentary memberships to elite clubs and lounges. This gesture sets the tone for an enriching credit card experience.

Credit Limit and Spending Power

One of the key attractions of the HDFC Regalia Gold Credit Card is its generous credit limit. Tailored to match the financial profile of the cardholder, the credit limit empowers individuals to make high-value transactions with ease. This spending power is complemented by the convenience of a widely accepted card, making it a versatile financial tool.

Reward Points and Accelerated Earnings

Earning reward points is an integral aspect of the HDFC Regalia Gold Credit Card experience. Every transaction, whether it’s shopping, dining, or travel, accrues reward points. The cardholder is also entitled to accelerated points on specific categories, maximizing the benefits and bringing them closer to premium rewards such as travel vouchers, merchandise, or even cashback.

Exclusive Travel Privileges

For the avid traveler, the HDFC Regalia Gold Credit Card opens doors to a realm of exclusive travel privileges. These may include complimentary airport lounge access, priority check-ins, and even discounts on airfare and hotel bookings. The card is curated to enhance the travel experience, making each journey a memorable one.

Lifestyle Benefits and Concierge Services

Beyond travel, the HDFC Regalia Gold Credit Card extends its influence into the cardholder’s lifestyle. Joining/ Renewal Membership Fee of Rs. 2500 + Applicable Taxes. Exclusive discounts on dining, shopping, and entertainment make it a valuable companion for those who appreciate the good life. Additionally, the concierge services provided ensure that every request, from booking tickets to securing reservations, is handled with utmost efficiency.

Insurance Coverage

The HDFC Regalia Gold Credit Card is not just about spending; it’s about safeguarding the cardholder’s well-being. Comprehensive insurance coverage, including travel insurance and emergency medical assistance, adds an extra layer of security to the financial journey.

Key Features

  • Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits.
  • ₹ 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
  • ₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and an additional voucher of Rs. 5000 on spends of Rs. 7.5 lakhs.
  • 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!
  • Complimentary lounge access at over 1000 airports
  • 4 Reward Points on every Rs.150 spent (On retail* spends)

Additional Features

  • Zero Lost card liability : In the unfortunate event of losing your HDFC Bank Regalia Gold Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card.
  • Foreign Currency Markup : 2% on all your foreign currency spends.
  • Revolving Credit : Enjoy Revolving Credit on your HDFC Bank Regalia Gold Credit Card at nominal interest rate. Refer to the Fees and Charges section to know more. Click here.


Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Regalia Gold Credit Card. Simply call us: toll-free on 1860 425 1188 (India) / Email ID:

Lounge Access

  1. Complimentary Airport Lounge Access within India
  • 12 complimentary access within India (both at domestic and international terminals) using the HDFC Bank Regalia Gold Credit Card.
  • Swipe your HDFC Bank Regalia Gold Credit Card at the lounge to avail the complimentary lounge access
  • Click hereto check the list of lounges
  • Visits exceeding the complimentary quota & Lounges not covered under the programme will be allowed at the discretion of lounge and will also be chargeable by the Lounge.
  1. Priority Pass
  • Using Priority Pass, you and your add-on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India.
  • You can apply for Priority Pass for self and add-on members once you complete minimum 4 retail transactions on your HDFC Bank Regalia Gold Credit Card. Click hereto apply.
  • If you exceed the 6 Complimentary visits, you will be charged at US $27 + GST per visit
  • If you use your Priority Pass for lounge access within India, you will be charged at US $27 + GST per visit
  • Guests accompanying primary card holder must have an Add-on credit card with their own Priority Pass.

Please note: Priority Pass in India will attract charges on your Credit Card. Click here to know more. You can visit for complete list of lounge details.

To know about your lounge access history

  • Please write a mail to Please provide name, complete 18 digit Priority Pass number and state that PP Membership is via HDFC Bank program. If there is more than 1 Priority Pass number (belonging to add on PP holders), then please provide all the PP Numbers.

Welcome Benefit

Pay your Joining Membership Fee and get Gift Voucher equivalent to Fee Amount  = Rs.2,500

Complimentary Club Vistara Silver Tier and MMT Black Elite Membership when you spend Rs. 1 Lakhs and above within 90 days of card issuance.

Click Here to view Welcome benefits redemption process.

Terms & Conditions Apply

Good Food Trail Program

Enjoy amazing dining benefits with the Good Food Trail program

  • Get up to 7.5% 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.

Milestone Benefit

  • Get ₹ 1,500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend Rs. 1.5 Lakhs in every calendar quarter.
  • Get ₹ 5,000 worth flight vouchers when you spend Rs. 5 Lakhs spends in an anniversary year
  • Get additional ₹ 5,000 worth flight vouchers when you spend Rs. 7.5 Lakhs spends in an anniversary year

Click Here to view Milestone benefits redemption process.

Click here to view TnC

Annual Spend based benefit

Spend Rs. 4 Lakhs in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year.
Terms & Conditions Apply

Smart EMI

HDFC Bank Regalia Gold Credit Card comes with an option to convert your big spends into EMI after purchase. To know more click here

Contactless Payment

The HDFC Bank Regalia Gold Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.

*To see if your Card is contactless, look for the contactless network symbol on your Card.

(Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 in a single transaction without being asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Cardholder has to enter the Credit Card PIN for security reasons.)

Insurance/Comprehensive protection & Nominee details for Insurance

Accidental air death cover worth Rs. 1 Crore

Emergency overseas hospitalization: up to Rs. 15 lakhs

Credit Liability cover: Up to Rs. 9 Lakhs

Click here to update your nominee details.
Click here for details.

Reward Point/CashBack Redemption & Validity

Reward Points Accrual

  • Earn 4 Reward Points on every Rs.150  retail* spends including Insurance, Utilities and Education​
  • Earn 20 Reward Points on every Rs.150  retail* spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa!

Reward Point Redemption

You can redeem your Reward Points on Smartbuy or Netbanking. Reward Points can be redeemed for:

  • Exclusive Gold Catalogue on select Premium brands via Smartbuy at a value of 1 RP = Rs 0.65
  • Flights and hotel bookings via Smartbuy at a value of 1 RP = Rs 0.5
  • Airmiles conversion through Netbanking or SmartBuy at a value of 1RP = upto 0.5 airmiles
  • Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = upto Rs 0.35
  • The redemption against the statement balance will be at the rate of 1 RP = Rs 0.20

HDFC Bank Credit Card Activation Guidelines


HDFC Bank Credit Card holders have to activate their Credit Cards within 37 days from Card Open Date, as per ‘Master Direction – Credit and Debit Card – Issuance and Conduct Directions, 2022’ dated April 21, 2022 realized by Reserve bank of India (RBI).

In case the Credit Card is not activated through one of the below mentioned modes, the Credit Card Account will have to be closed by the Bank as per the Master Direction Guidelines.
Modes for Activation

  • Setting Credit Card PIN :

    ​​​​​​Through IVR – Card holders can set their 4 digit Credit Card PIN by calling IVR No. 1860 266 0333. Upon calling the IVR please input your card number, validate through OTP and set your preferred PIN

Through Net Banking – Log in to our Net Banking and visit Cards. Choose Change PIN and set your preferred PIN (available only for customers holding savings/salary/current accounts)

Enabling your online, contactless and international transactions :

Through MyCards – Visit hdfcbank.comlog in through OTP and link your credit card. Please click on the “Card Control” tab to enable Online, Contactless and/or International transactions

Through Whatsapp Banking – Please save the number 7070022222 and send a message “Manage My Credit Card” to enable. Alternatively, you can click here

​​​​​​​Through Eva – To interact with Eva, please click here and choose your preferred transactions to enable.

  • Through Credit Card usage :

    Use your Credit Card for at least 1 Online / POS transaction to activate your credit card

  • SmartPay Registration:

    Now add billers to your HDFC Bank credit card and register for SmartPay by giving standing instructions on your credit card

What will happen if not activated within 37 days?​​​​​​​

Your Credit Card will be closed and cannot be used further as per the regulations. Request you to contact us to apply for new credit card in future.


In conclusion, the HDFC Regalia Gold Credit Card is more than a mere financial instrument; it’s a lifestyle companion that adds a touch of sophistication to every transaction. From the moment of application to the enjoyment of exclusive benefits, this credit card transforms the mundane into the extraordinary, ensuring that every swipe is a step towards a more refined and enriched life.

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