# HDFC Regalia Gold

HDFC Bank · Mastercard. ₹2,500 fee · 2% forex · 5 RP / ₹200 from 15 May 2026.

verified · checked 20 June 2026 · Source: https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/regalia-gold-credit-card/rewards-points-terms-and-conditions.pdf

## How it earns (3)

- 5 RP / ₹200 from 15 May 2026 · verified · checked 12 June 2026
- 5X on Nykaa/Myntra/M&S/Reliance Digital (cap 5K RP/mo) · cap 5,000 points per month · verified · checked 12 June 2026
- 5X via SmartBuy Instant Vouchers (Gyftr) · 25 RP/₹200, cap 4K RP/mo and 2K/day · brand vouchers capped at 3K RP/mo from about 1 Jul 2026 · cap 4,000 points per month · ✓ official · checked 1 July 2026

## On gift vouchers

- ₹625 back on a ₹10,000 voucher bought through SmartBuy 5X. · Counted as points for travel; ₹250 if they are cashed out. · 5X via SmartBuy Instant Vouchers (Gyftr) · 25 RP/₹200, cap 4K RP/mo and 2K/day · brand vouchers capped at 3K RP/mo from about 1 Jul 2026
- Vouchers for Amazon: ₹125, bought direct. · 5 RP / ₹200 from 15 May 2026
- Vouchers for Flipkart: ₹330, bought through SmartBuy 5X. · 5X via SmartBuy Instant Vouchers (Gyftr) · 25 RP/₹200, cap 4K RP/mo and 2K/day · brand vouchers capped at 3K RP/mo from about 1 Jul 2026

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No rewards on wallet-load gift cards · branded vouchers earn base (the issuer does not address them)
- No rewards: fuel, rent, wallet, govt

## Milestones (3)

- ₹1,500 voucher @ ₹1.5L quarterly spend · ₹1,500 at ₹1,50,000 spend per quarter · verified · checked 12 June 2026
- ₹5,000 flight voucher @ ₹5L annual spend · ₹5,000 at ₹5,00,000 spend per card year · verified · checked 3 July 2026
- ₹5,000 flight voucher @ ₹7.5L annual spend (second tranche) · ₹5,000 at ₹7,50,000 spend per card year · verified · checked 3 July 2026

## Lounges (2)

- 3 domestic visits a quarter, after ₹60,000 spent the previous calendar quarter (from 1 Jul 2026). · Domestic (Visa) · domestic · 12 per year · checked 22 June 2026
- 6 international visits a year through Priority Pass. · Priority Pass · international · 6 per year

## Transfer partners (11)

- AirAsia Rewards Points · 2 : 1 · ~3-5 days · ✓ official · checked 6 July 2026
- ALL Reward Points · 2 : 1 · ~3-5 days · verified · checked 17 July 2026
- KrisFlyer Miles · 2 : 1 · ~3-5 days · verified · checked 6 July 2026
- Miles&Smiles Miles · 2 : 1 · ~3-5 days · verified · checked 6 July 2026
- Aeroplan Points · 3 : 1 · ~3-5 days · verified · checked 6 July 2026
- Asia Miles · 3 : 1 · ~3-5 days · verified · checked 6 July 2026
- Avios (BA Club) · 3 : 1 · ~3-5 days · verified · checked 6 July 2026
- Etihad Guest Miles · 3 : 1 · ~3-5 days · ✓ official · checked 6 July 2026
- Maharaja Points · 3 : 1 · ~3-5 days · verified · checked 6 July 2026
- Royal Orchid Plus Miles · 3 : 1 · ~3-5 days · verified · checked 6 July 2026
- United MileagePlus Miles · 3 : 1 · ~3-5 days · verified · checked 6 July 2026

## Comes with (1)

- Boarding Edge: 2 post-flight perks/quarter on ₹60K preceding-quarter spend

## Fees

- Annual fee: ₹2,500 + GST
  Waived at ₹4,00,000 spend per card year
- Forex markup: 2%
- DCC markup: 1.75%
- Earns: HDFC Reward Points (Regalia Gold) · ₹0.5 a point at baseline

## Dated changes (2)

- Devaluation · 1 July 2026: HDFC SmartBuy: 3,000 ARP/month sub-cap introduced on brand vouchers (Gyftr/Woohoo) (https://getbrief.cards/changes#hdfc-smartbuy-arp-cap-2026)
- Lounge gating · 1 July 2026: Regalia Gold domestic lounge is now spend-gated from 1 Jul 2026 (https://getbrief.cards/changes#rg-lounge-gate-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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