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HDFC Bank Regalia Gold Credit Card
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HDFC BankIndia

HDFC Bank Regalia Gold Credit Card

Annual Fee
₹2,500/ year

HDFC's accessible premium card — Club Vistara Silver, MMT Black Gold, and Boarding Edge perks at ₹2,500/year.

This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.

Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.

The Good

  • Welcome Bonus: 2,500 Reward Points on first ₹50k spend in 90 days
  • Club Vistara Silver + MMT Black Gold + Swiggy One memberships included
  • 6 international + 12 domestic lounge visits/year
  • Boarding Edge program (spa, buffet, upgrades)
  • Annual fee waivable at ₹4L spend

The Bad

  • Reward redemption rates devalued in 2026
  • Domestic lounge access requires ₹60k quarterly spend
  • 5X bonus categories limited to specific brands
  • Some benefits require quarterly tracking

Lounge Access

1 lounge network included

Guest Policy

Priority Pass: 6 international/year unconditional. Domestic: 3 visits/quarter REQUIRES ₹60,000 prior-quarter spend.

Purchase APR

3.6% per month (43.2% p.a.)

Credit Score

Good (CIBIL 720+, Income ₹15L+)

Limited Time Offer

2,500 Welcome Reward Points + Club Vistara Silver

Offer Terms & Eligibility:

First spend in 90 days. Memberships included on activation.

Lounge Networks

1 Included
Priority Pass
Included

Additional Travel Perks

Complimentary Club Vistara Silver Tier Membership
Complimentary MMT Black Gold Membership
Complimentary Swiggy One Membership
6 International Priority Pass Visits per Year
12 Domestic Lounge Visits Annually (3/quarter on ₹60k spend)
5X Reward Points on Marriott, Myntra, Nykaa, Reliance Digital
Boarding Edge Program: Spa, Buffet, Hotel Upgrade, Airport Transfer (2/quarter)
₹1,500 Voucher at ₹1.5L Quarterly Spend
₹5,000 Voucher at ₹5L Annual Spend
Annual Fee Waived at ₹4 Lakh Annual Spend

Lounges HDFC Bank Regalia Gold Credit Card Opens

339 lounges tracked across 172 airports, derived from this card's network coverage.

GRU(8 lounges)
EZE(5 lounges)
SIN(5 lounges)
BOM(4 lounges)
DXB(4 lounges)
PER(4 lounges)
AUS(3 lounges)
BCN(3 lounges)
BHX(3 lounges)
BKK(3 lounges)
BNE(3 lounges)
BOG(3 lounges)

Showing top 12 airports by lounge count. 160 more airports also have at least one lounge this card opens.

Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.

*Card information is accurate as of 2026. Annual fees and benefits are subject to change by the issuer. Please verify all terms and conditions on the issuer's website before applying.

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