What credit score do I need for the HDFC Regalia Gold Credit Card?

You generally need: Good to Excellent. Approval also depends on income and existing accounts.

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HDFC Regalia Gold Credit Card

✈ Lounge Access Available

12 complimentary domestic lounge visits per year plus 6 international lounge visits via Priority Pass.

Annual fee ₹2,500

★★★★⯪ 4.5How we rate

Reviewed by the editorial team

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HDFC Bank · Visa

HDFC Regalia Gold Credit Card

Name: HDFC Regalia Gold Credit Card
Brand: HDFC Bank
Price: 2500.00 INR
Availability: InStock

✈ Lounge Access Available ★ 4 Reward Points per Rs.150, with 5X on select brands Travel Rewards Points & Rewards Dining & Groceries Premium & Luxury

The sensible step-down from HDFC's metal cards: around 1.3% base value with 5X on partner brands like Myntra and Reliance Digital, complimentary lounge visits, all for a Rs.2,500 fee (as of 2026). It's the right pick for someone who wants lounge access without the Infinia's heavy spend requirement, but the roughly 43.2% annual purchase APR is brutal, so treat it as a full-payer card only. Spend Rs.2 lakh a year and you might net Rs.2,500-3,000 in value plus lounges, comfortably clearing the fee. Anyone who can't use the partner brands or lounges should look at a flat-cashback card instead. The 2% foreign markup is fine for travel; verify lounge counts and partners with HDFC.

⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.

Annual fee

₹2,500

Rewards rate

Roughly 1.3% base, higher on partner brands

Welcome bonus

Gift vouchers worth Rs.2,500 on joining and on annual fee payment

Intro APR

N/A

Regular APR

Around 43.2% per annum (3.6% per month)

Foreign transaction fee

2% markup on foreign currency transactions

Recommended credit

Good to Excellent

Best for

Aspiring premium users who want lounges at a modest fee

What you earn

✓4 Reward Points for each Rs.150 of spending
✓5X Reward Points at Marks & Spencer, Myntra, Reliance Digital and Nykaa
✓Complimentary Swiggy One and MMT BLACK memberships when you join
✓As much as Rs.5,000 in vouchers for reaching annual spend milestones
✓Reward Points can be cashed in for flights, hotels and catalogue items

👍 Pros

+ A reasonable annual fee given the perks on offer
+ A good blend of domestic and international lounge entry
+ Milestone vouchers deliver tangible value
+ Annual fee dropped once you spend Rs.4 lakh

👎 Cons

– The base reward rate is modest away from partner brands
– A high purchase APR if you carry a balance
– Reward point value falls when redeemed for cashback

Can you get it?

▸Indian resident aged 21 to 60 if salaried, or 21 to 65 if self-employed
▸A CIBIL score of 750 or above is advisable
▸Salaried gross monthly income near Rs.1 lakh, or ITR over Rs.12 lakh for the self-employed
▸A valid PAN along with KYC documents

Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →