HDFC Regalia Gold Credit Card: Premium Travel & Lifestyle

Premium Gold Card with 5X Rewards on Nykaa, Myntra & Flight Vouchers Worth ₹10,000

HDFC Bank Regalia Gold Credit Card

HDFC's premium gold card offering exceptional rewards on retail spends and partner brands. Earn 5X reward points on Nykaa, Myntra, Marks & Spencer, and Reliance Digital, plus complimentary flight vouchers and lounge access.

₹2,500
Annual Fee
5X
Partner Brand Rewards
12+6
Lounge Access
₹10,000
Flight Vouchers
HDFC
REGALIA GOLD
MASTERCARD
**** **** **** 1111
VALID THRU
Card Holder
✈️
🛍️
🏨
5X REWARDS
FLIGHT VOUCHERS

Premium Welcome Package - ₹2,500 Voucher + Memberships

🎁

₹2,500 Gift Voucher

  • • Instant ₹2,500 voucher
  • • Redeemable across merchants
  • • Activated after joining fee
  • • Claim within 60 days
Immediate value post-activation
🏨

MMTBLACK Gold Membership

  • • 10% extra discount on hotels
  • • Free room upgrades
  • • Early check-ins available
  • • My Cash rewards on bookings
1-year complimentary membership
🍽️

Swiggy One Membership

  • • Unlimited free delivery
  • • Member-only discounts
  • • No surge charges
  • • Genie service discounts
1-year complimentary membership

Activation Condition: Spend ₹1 lakh within 90 days of card issuance to unlock MMTBLACK Gold and Swiggy One memberships.

5X Reward Points on Premium Brands - Exceptional Value

🎨 Partner Brand 5X Rewards (20 RP/₹150)

Nykaa ₹10,000 spend1,333 RP (₹433 value)
Myntra ₹20,000 spend2,667 RP (₹867 value)
Reliance Digital ₹15,000 spend2,000 RP (₹650 value)
*₹5,000 monthly cap across all partner brands

🛒 Regular Retail Rewards (4 RP/₹150)

₹50,000 retail spend1,333 RP (₹133 value)
₹1,00,000 retail spend2,667 RP (₹267 value)
₹2,00,000 retail spend5,333 RP (₹533 value)
Includes utilities, education, insurance (capped categories)

Annual Potential: 20,000+ RP from regular spends + 20,000+ RP from partners = ₹7,000+ value!
Partner Brands: Nykaa, Myntra, Marks & Spencer, Reliance Digital - earn 5X rewards on premium shopping.

Spend Milestones - Flight Vouchers & Premium Rewards

💰 Quarterly Milestones

₹1.5 Lakh Quarterly Spend₹1,500 Voucher
Choose from M&S, Myntra, Marriott, or Reliance Digital
One voucher per quarter, redeem quarterly

✈️ Annual Flight Vouchers

₹5 Lakh Annual Spend₹5,000 Flight Voucher
₹7.5 Lakh Anniversary Spend₹5,000 Flight Voucher
Total potential: ₹10,000 in flight vouchers annually

Milestone Magic: ₹1.5 lakh quarterly + ₹7.5 lakh annually = ₹10,000 vouchers + ₹1,500 quarterly rewards!

Premium Lounge Access - 18 Visits Annually

🇮🇳 Domestic Lounge Access

  • 12 complimentary visits annually
  • 3 visits per quarter
  • International and domestic terminals
  • Premium amenities and refreshments
  • Annual value: ₹30,000+

🌍 International Lounge Access

  • 6 complimentary Priority Pass visits
  • Available for primary and add-on holders
  • Apply after 4 transactions
  • USD 27 + GST per visit after quota
  • Annual value: ₹45,000+

Travel Excellence: 18 premium lounge visits annually - perfect for frequent flyers seeking comfort and convenience!

5X Reward Partner Brands - Premium Shopping

💄

Nykaa

Beauty & Cosmetics
5X Rewards
👗

Myntra

Fashion & Lifestyle
5X Rewards
🛍️

Marks & Spencer

Premium Retail
5X Rewards
📱

Reliance Digital

Electronics & Gadgets
5X Rewards

Shopping Strategy: Focus on these 4 partner brands for 5X rewards - maximize your earning potential on premium purchases!

Comprehensive Insurance & Protection

Insurance TypeCoverage AmountKey Benefits
Air Accident Death₹1,00,00,000Complete coverage for accidental air travel death
Emergency Overseas Hospitalization₹15,00,000Overseas medical emergency coverage
Credit Liability Cover₹9,00,000Protection against unauthorized card usage

Superior Protection: ₹1 crore air accident + ₹15 lakh overseas hospitalization + ₹9 lakh credit liability - comprehensive coverage included!

Flexible Reward Points Redemption

✈️

Flights/Hotels

₹0.50 per RP
SmartBuy portal
✈️

Airmiles

0.5 Airmiles
Netbanking conversion
🛍️

Products/Vouchers

₹0.35 per RP
SmartBuy portal
💎

Gold Catalogue

₹0.65 per RP
Exclusive premium items
💰

Cashback

₹0.20 per RP
₹50,000 monthly cap

Best Value: Use ₹0.65/RP for Gold Catalogue or 0.5 airmiles conversion for maximum redemption value!

# HDFC Regalia Gold Credit Card: Premium Travel & Lifestyle

The HDFC Regalia Gold Credit Card offers premium travel and lifestyle benefits, including complimentary lounge access, reward points, and exclusive vouchers.

Keywords

- HDFC Regalia Gold Credit Card

- Premium travel card

- HDFC rewards

FAQs

- Is HDFC Regalia Gold Credit Card: Premium Travel & Lifestyle still good?

Yes — it remains a strong choice if its benefits match your monthly spending (dining, shopping, travel or bill payments). Review joining/annual fees and waiver conditions before applying.

- Who should consider HDFC Regalia Gold Credit Card: Premium Travel & Lifestyle?

Ideal for users whose top categories align with the card's strengths (e.g. online shopping, food delivery, travel, or fuel). Beginners should prefer low or lifetime-free annual fees.

- How do I maximise rewards/cashback with HDFC Regalia Gold Credit Card: Premium Travel & Lifestyle?

Use the card on its accelerated categories, pay bills on time, and track monthly caps or partner-platform multipliers. Combine with issuer apps/portals where applicable.

Ready for Premium Rewards & Travel Benefits?

5X rewards on Nykaa, Myntra & ₹10,000 flight vouchers with HDFC Regalia Gold

Apply Now - ₹2,500 Annual Fee →5X partner rewards • Flight vouchers • 18 lounge visits • ₹2,500 welcome