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HDFC Bank · Visa Signature

HDFC Regalia Gold

Best all-round premium card under ₹5K fee

Annual fee
₹2,500
Reward rate
4% points
Expert rating
4.5/5
Lounge visits
12/year
HDFC Bank
HDFC Regalia Gold
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HDFC Regalia Gold is arguably the most balanced premium credit card in India. Launched as the upgraded version of the classic Regalia, it offers 12 complimentary airport lounge visits per year, 5% reward rate on dining and travel, and multiple milestone benefits. For anyone spending ₹4 lakh+ per year, the annual fee is effectively waived.

Pros

  • ✓ 12 lounge visits/year covers most frequent flyers without paying extra
  • ✓ Fee waived on ₹4L annual spend — easy to hit for regular users
  • ✓ 5% reward rate on dining is among the best in the mid-premium segment
  • ✓ Reward points never expire as long as card is active
  • ✓ Strong welcome benefit worth ₹2,500+

Cons

  • ✗ Does not earn rewards on UPI (GPay, PhonePe)
  • ✗ Points-based system requires manual redemption
  • ✗ Min income of ₹10L/year limits access
  • ✗ Priority Pass domestic lounge access has monthly caps
  • ✗ No fuel surcharge waiver

What Reddit says

Highly rated on r/CreditCardsIndia. Users frequently cite it as the best value-for-money premium card. Common advice: "Get Regalia Gold before upgrading to Infinia." Milestone benefits praised. Main complaint: no UPI rewards.

Ready to apply?

Annual fee₹2,500/year
Joining fee₹2,500
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