Benefits
4 reward points per ₹150 spent
12 complimentary domestic lounge visits per year
6 international lounge visits via Priority Pass
5X reward points on Marks & Spencer, Nykaa & Reliance Digital
1% fuel surcharge waiver at all fuel stations
₹1,500 vouchers on ₹1L quarterly spend
Convert to EMI · HDFC Regalia Gold
₹50,000
Illustrative APR
Monthly EMI
₹4,874
Total Interest
₹8,492
Total Payable
₹58,492
Illustrative only. Actual EMI rates depend on the bank's offer at the time of conversion and may include a one-time processing fee (typically 1-3%).
Terms & Conditions
- Interest-free credit period of up to 50 days on retail purchases when the previous statement is paid in full by the due date.
- Finance charges up to 3.65% per month (43.8% p.a.) apply on revolving balances and cash advances from the day of transaction.
- Minimum amount due is the higher of ₹200 or 5% of the total outstanding balance.
- Late payment fee ranges from ₹100 to ₹1,300 based on the outstanding balance slab.
- Foreign currency transactions attract a mark-up of 3.5% (waived on select premium cards).
- Reward points earned expire on the anniversary of the card unless redeemed or automatically credited.
Exclusions & caveats
- Rewards are NOT accrued on rental payments, fuel spends (unless expressly stated), wallet loads, EMIs, cash advances or utility bills above ₹50,000/month.
- Cashback on Amazon / partner brands may be capped monthly — refer to the individual product T&Cs.
- Lounge access is subject to Priority Pass / DreamFolks program availability and per-quarter usage limits.
- Insurance covers advertised are complimentary group cover; the issuer reserves the right to withdraw them with 30-day notice.
- Complimentary golf, spa and hotel privileges may require pre-booking through the concierge desk.
For illustration only. All fees, rewards and privileges are as of today and may change at the issuer's sole discretion. Final approval, credit limit and pricing sit with HDFC Bank.
Apply for HDFC Regalia Gold
3-minute application · Response in 24 hours