Fee break-even
List the ₹2,500 + GST (waived on ₹4L annual spend) cost and subtract only the lounge, reward and travel benefits you expect to use in a normal year.
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HDFC Bank
HDFC Regalia Gold
Best entry-premium travel card (recently devalued)
How to evaluate this travel card
Start with your real travel pattern: how often you fly, whether you use domestic or international lounges, how much you spend abroad and which airline or hotel partners you already use. Then compare the value you can realistically receive with the annual fee shown above. Rewards only help when their redemption options match trips you would book anyway.
Travel fit
Check whether the Visa / Mastercard network, check current T&Cs forex terms and stated airline or hotel benefits fit your destinations.
Before applying
Confirm eligibility, welcome-benefit conditions, spend milestones, exclusions and the current schedule of charges on HDFC Bank's site.
Annual Fee
₹2,500 + GST (waived on ₹4L annual spend)
Lounge Access
3 Domestic/quarter (needs ₹60,000 prior-quarter spend, from 2026) + 6 International/year (Priority Pass, no spend condition)
Reward Rate
5 pts/₹200 (~1.25%, reduced from 4 pts/₹150 in May 2026)
Detailed Benefits
- Joining Benefits
- Welcome benefit vouchers (varies by offer)
- Domestic Lounge Access
- Up to 12 Visits/year (now spend-gated)
- International Lounge Access
- 6 Visits/year
- Forex Markup
- check current T&Cs
- Airline Benefits
- Boarding Edge flight-booking benefits
- Hotel Benefits
- Club Marriott membership
- Network
- Visa / Mastercard
Frequently Asked Questions
Is HDFC Regalia Gold currently shown as active?
Yes. Deal4Flight only creates public card pages for cards that are not marked discontinued in our travel-card list. Always confirm availability on HDFC Bank's official page before applying.
What is HDFC Regalia Gold best for?
Best entry-premium travel card (recently devalued)
Where should I verify the latest fees and benefits?
Use the official source link on this page. Fees, lounge access, spend gates and rewards can change without notice.
How should I judge whether HDFC Regalia Gold is worth its annual fee?
Compare the annual fee with benefits you will actually use, such as lounge visits, travel rewards, hotel privileges and forex savings. Do not count a benefit at full value if your normal travel pattern would not use it.
Do lounge visits always work without conditions?
Not necessarily. Issuers may apply quarterly limits, minimum-spend conditions, eligible-card variants or network rules. Check the latest issuer terms and confirm the lounge participates before travel.