HDFC BankPlatinum

HDFC Regalia Gold

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Quick facts

HDFC Regalia Gold

Top reward4 RP/₹150

Annual fee₹2,500

Min income₹50,000/mo

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🛋️Lounge & Premium

HDFC Bank · Platinum tier

HDFC Regalia Gold

Premium all-rounder

Balanced rewards with lounge access.

Key Benefits

💳

4 RP per ₹150

🎁

Domestic lounge

⛽

Travel vouchers

Annual fee

₹2,500

Top rate

4 RP/₹150

Min income

₹50,000/mo

Eff. return

0.86%

Realistic net value (moderate user): ₹4,120/year

After ₹2,500 fee & ₹360 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency promise

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹6,980

Before fees & forex

Costs / year

₹2,860

Fee ₹2,500 + forex ₹360

Net value / year

₹4,120

0.86% effective return on spend

Category-wise breakdown

All other eligible spends

Spend ₹40,000/mo · 4 pts per ₹150 spend

₹4,480/year

₹373.33/mo

1067 pts × ₹0.35 = ₹373.33/mo1067 pts/mo @ ₹0.35/pt

Fee waiver likely: Your ₹4,80,000/yr spend exceeds the ₹4,00,000 waiver threshold.

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Points → INR Conversion Guide

Marketing says "10X points" — here's what that actually means in your pocket.

all — 4 pts per ₹150 spend

You spend

₹10,000

→

You earn

267 pts

Worth ≈

₹93.33

@ ₹0.35/point

Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.35/pt in calculations. Points expire in 24 months if unused.

🛋️Lounge & Premium

Airport lounge, golf, concierge perks

Reward Structure

Source: HDFC Regalia Gold T&Cs

All spends

1 RP ≈ ₹0.35

4 RP/₹150

Lounge

12 domestic/year

Milestone

₹5K voucher on ₹5L spend

Excluded categories (no rewards)

EMIFuelRentWallet

Fee waiver at

₹4,00,000 annual spend

Lounge

12 domestic visits/year

Best for

→ Balanced premium users
→ ₹50K+ income
→ Travel + dining

Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹2,500

Annual / renewal fee

Waived on ₹4,00,000 annual spend

₹2,500

Forex markup

2% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹4,480

Signup bonus (year 1)+ ₹2,500

Annual fee− ₹2,500

Forex cost− ₹360

Net annual value₹4,120

Eligibility Snapshot

Public criteria from HDFC Regalia Gold T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹50,000/mo

Min income (self-employed)₹12,00,000/year

Employment acceptedsalaried, self employed

Credit history12+ months preferred

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierPlatinum — premium benefits tier

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with HDFC Regalia Gold?+

At moderate spend (₹40,000/mo), gross rewards are about ₹4,480/year. After the ₹2,500 annual fee, net value is approximately ₹4,120/year. Use the calculator above to model your own spends.

What is the minimum income for HDFC Regalia Gold?+

₹50,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent, Wallet.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.

How do I get the annual fee waived?+

Spend ₹4,00,000 in a calendar year to get the ₹2,500 renewal fee reversed.