Regalia Gold

Joining ₹2,500 · Annual ₹2,500 · Renewal fee waived on ₹4,00,000 spend in the preceding card anniversary year (official MITC, Aug 2026)

Fee break-even: ≈₹2,00,000/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns Reward Points · assumed 0.5 ₹/point. 1 RP = ₹0.50 redeemed against flights/hotels on HDFC SmartBuy. The realistic mainstream route. Only 70% of a booking's value may be paid with points, and flight/hotel redemption is capped at 50,000 RP per calendar month. A ₹99 + GST redemption fee applies. Points expire 2 years from accrual and are wiped if the card goes 365 days unused.

Verified 10 Aug 2026

Forex markup2%

GolfNone

Concierge24x7 Regalia Gold concierge, 1860 425 1188 (India) or regaliagold.support@smartbuyoffers.co

EMI₹99 to ₹699 plus GST at a merchant, up to ₹849 plus GST converting a statement balance processing fee · A converted purchase stops earning rewards · HDFC's fee follows the merchant and the scheme rather than your card, so the same tenure can cost ₹99 at one shop and ₹699 at another. It is not refunded if you cancel or pre close. Cancelling inside 7 days is free, after that pre closing costs 3% of the principal left plus GST. · EasyEMI and merchant EMI earn nothing, and points already earned are reversed if a retail spend is converted to SmartEMI

Fuel surcharge1% on transactions of ₹400 to ₹5,000, capped ₹500 per statement cycle

Domestic lounge12 a year. SPEND-GATED SINCE 1 JULY 2026. 3 complimentary domestic visits per calendar quarter (max 12/year). But only if you spent at least ₹60,000 in the immediately preceding calendar quarter. Apr-Jun 2026 spends govern Jul-Sep 2026 access, and eligibility resets every quarter. Access is by swiping the card at the lounge terminal (₹2 debited and reversed). Shared between the primary and up to 3 add-on cardholders, and the same lounge cannot be used twice on the same day. Cash advances, card fees/charges and all EMI spends do not count toward the ₹60,000.

International lounge6 a year. 6 complimentary visits per year via Priority Pass, shared between the primary and add-on cardholders. NO spend gate. Unchanged by the 2026 revision. Priority Pass membership is not automatic: you must request it via phonebanking, and at least 4 transactions must have been done on the card. Visits beyond the 6 are charged US$27 + taxes per person, and guests are always US$27 + taxes.

Milestones

◆ Spend ₹1,50,000 per quarter → One ₹1,500 voucher of your choice. Myntra, Nykaa, Reliance Digital or Marriott International Worth ₹1,500
◆ Spend ₹5,00,000 per year → ₹5,000 SmartBuy flight voucher Worth ₹5,000
◆ Spend ₹7,50,000 per year → Additional ₹5,000 SmartBuy flight voucher (₹10,000 of flight vouchers in total for the year) Worth ₹5,000

Return by category

Category	Return	Notes
Online spend	1.25%	Base rate
Amazon	1.25%	Base rate
Flipkart	1.25%	Base rate
Subscriptions & OTT	1.25%	Base rate
Offline spend	1.25%	Base rate
UPI spending	1.25%	500 RP per calendar month (≈₹20,000 of UPI spend) · RuPay variant only (launched Oct 2025). The Mastercard and Visa variants cannot be linked to UPI at all. UPI spends earn the same 5 RP/₹200 as other retail, but HDFC caps all credit-on-UPI earning at 500 reward points per calendar month bank-wide. Normal category exclusions (fuel, rent, government, wallet) still apply on UPI.
Dining	1.25%	Base rate
Swiggy	1.25%	Base rate
Zomato	1.25%	Base rate
Groceries	1.25%	2,000 RP per calendar month (≈₹80,000 spend) · Same rate as base, but grocery-MCC accrual has been capped at 2,000 RP/calendar month. Spend beyond the cap earns nothing.
Quick commerce	1.25%	Uses its groceries rate
Swiggy Instamart	1.25%	Base rate
Blinkit	1.25%	Base rate
BigBasket	1.25%	Uses its groceries rate
Movies & shows	1.25%	Base rate
BookMyShow	1.25%	Base rate
PVR INOX	1.25%	Base rate
Fuel	0%	No reward points on fuel. Plus a 1% fee on the whole transaction once monthly fuel spend exceeds ₹15,000 (capped ₹4,999 per transaction)
Travel (general)	1.25%	Base rate
Flights	6.25%	Accelerated portion capped at 4,000 bonus RP per month and 2,000 bonus RP per day. Base 2.5 RP/₹100 continues uncapped · Only via HDFC SmartBuy, where flights earn 5X (12.5 RP per ₹100). Direct airline/OTA bookings earn the base 1.25%.
Hotels	12.5%	Accelerated portion capped at 4,000 bonus RP per month and 2,000 bonus RP per day. Base 2.5 RP/₹100 continues uncapped · Only when booked through the HDFC SmartBuy portal, where hotels earn 10X (25 RP per ₹100). Hotels booked anywhere else earn the base 1.25%. The 10X/5X SmartBuy multipliers are applied to the base rate, so this figure is the post-May-2026 base re-multiplied.
MakeMyTrip	1.25%	Base rate
IRCTC rail	1.25%	Base rate
International	−0.75%	1.25% reward − 2% forex markup
Utilities & bills	1.25%	2,000 RP per calendar month (≈₹80,000 spend) · Utility accrual capped at 2,000 RP/calendar month. Telecom carries a separate 2,000 RP/calendar month cap. Separately, HDFC levies a 1% fee on the whole month's utility spend once it exceeds ₹50,000 in a calendar month (capped ₹4,999/month).
Rent	0%	No reward points. 1% fee on every rent transaction (capped ₹4,999 per transaction)
Education fees	1.25%	Earns the base rate only when paid directly on the school/college website or at their POS. Payments routed through third-party apps (CRED, Cheq, MobiKwik, NoBroker) earn zero and attract a 1% fee capped ₹4,999 per transaction. International education transactions carry no fee.
Insurance premiums	1.25%	2,000 RP per calendar month (≈₹80,000 spend) · W.e.f. 1 July 2025 the insurance cap changed from 2,000 RP per DAY to 2,000 RP per MONTH (official MITC). A large cut that most published card reviews still have wrong. Insurance is explicitly not treated as a utility transaction.
Government & tax	0%	Government and tax payments earn no reward points on retail cards
Wallet loads	0%	Wallet and prepaid/gift card loads earn nothing. 1% fee once monthly wallet loads exceed ₹10,000, excluding PayZapp (capped ₹4,999/month)
Anything else	1.25%	Base rate
Jewellery	1.25%	Base rate

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

Welcome benefit: complimentary annual Swiggy One + MakeMyTrip Black Gold memberships on ₹1,00,000 net retail spend within the first 90 days of card issuance. Unlocked within 48 hours. Must be downloaded within 60 days of the end of the 90-day window from the Regalia Gold SmartBuy milestone portal. EMI spends do not count.
5X Reward Points at four merchants. Myntra, Nykaa, Reliance Digital and Marks & Spencer (25 RP per ₹200 = 6.25% at ₹0.50/RP), e-com and POS. Capped at 5,000 RP per calendar month across all four brands combined. Base points on these merchants stay uncapped. Minimum ₹150 per transaction, must be paid directly with the card (wallet payments excluded), and depends on the merchant's MID/TID being registered. Deliberately NOT modelled as an online-category rate, since it is a four-merchant offer rather than a category.
Boarding Edge (part of HDFC's Travel Edge programme, new in 2026): upload any airline boarding pass to the SmartBuy portal in a calendar quarter and pick any 2 complimentary arrival-city benefits from a spa session, an Uber airport transfer (~₹750), a partner buffet/dining experience, or a one-night ITC room upgrade. You need not have booked the flight on the card.
SmartBuy accelerators: 10X on hotels/IGP/PharmEasy/Jockey, 5X on flights/Apple/Myntra/brand vouchers, 3X on trains (ConfirmTkt). Accelerated (bonus) points are capped at 4,000 bonus RP per month and 2,000 bonus RP per day. NEW: from 1 July 2026 accelerated points on SmartBuy brand gift vouchers (GyFTR/Woohoo) carry their own separate 3,000 RP per calendar month cap.
Insurance: ₹1 crore air-accident death cover, up to ₹15 lakh emergency overseas medical/hospitalisation, ₹9 lakh credit shield / lost-card liability.
Dining: up to ~20% savings via Swiggy Dineout.
Bank-wide HDFC fees, all separate from the reward exclusions: 1% on every rent transaction (cap ₹4,999/txn). 1% on total monthly wallet loads once they exceed ₹10,000, PayZapp excluded (cap ₹4,999/month). 1% on the full fuel transaction once monthly fuel spend exceeds ₹15,000 for consumer cards. The ₹30,000 threshold applies to BUSINESS cards, not to premium cards (cap ₹4,999/txn). 1% on the whole month's utility spend once it exceeds ₹50,000, ₹75,000 for business cards (cap ₹4,999/month). 1% on education paid via third-party apps (cap ₹4,999/txn), nil if paid directly to the institution or internationally. 1% on online skill-based gaming above ₹10,000/month (cap ₹4,999/month). Note that all HDFC caps run per CALENDAR MONTH, not per statement cycle. Except the 50,000 RP fair-usage ceiling, which is per statement cycle.
Redemption housekeeping: cashback against statement balance capped at 50,000 RP/calendar month (and worth only ₹0.15/RP, with a ₹500 minimum redemption). Up to 70% of a product/voucher's value can be paid with points. On card closure points survive only 30 days and can then be used for products/vouchers only. Points earned on transactions that also carried an HDFC instant discount are clawed back within 120 days.

Other exclusions

EasyEMI and merchant EMI earn nothing, and points already earned are reversed if a retail spend is converted to SmartEMI
Online skill-based gaming earns nothing, plus a 1% fee above ₹10,000/calendar month
Cash advances earn no points and carry interest from day one

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 10 Aug 2026.