# HDFC Regalia vs HDFC Regalia Gold

Both cost ₹2,500 a year. They differ on airport lounge access, transfer partners and the network.

Each row is what the bank publishes for each card, read from its own documents and dated. Nothing here ranks the cards: which one suits you turns on where you spend. Each card’s page holds every rule and its source.

- [HDFC Regalia](https://getbrief.cards/cards/hdfc-regalia), HDFC Bank
- [HDFC Regalia Gold](https://getbrief.cards/cards/hdfc-regalia-gold), HDFC Bank

| | HDFC Regalia | HDFC Regalia Gold |
|---|---|---|
| Annual fee | ₹2,500 + GST | ₹2,500 + GST |
| Fee waiver | Waived at ₹3,00,000 spend per card year | Waived at ₹4,00,000 spend per card year |
| Forex markup | 2% | 2% |
| On ₹1,00,000 spent abroad | ₹2,360 in markup and GST | ₹2,360 in markup and GST |
| Network | Visa | Mastercard |
| Everyday spend | 4 RP/₹200 | 5 RP / ₹200 from 15 May 2026 |
| Rewards in | HDFC Reward Points (Regalia), ₹0.4 a point at the bank’s baseline | HDFC Reward Points (Regalia Gold), ₹0.5 a point at the bank’s baseline |
| Transfer partners | 1 programme | 11 programmes |
| Airport lounges | 8 domestic visits a year · 6 international visits a year | 12 domestic visits a year · 6 international visits a year |
| Spend milestones | 2 milestones | 3 milestones |
| Applications | No longer issued | Open |
| Last checked | 2 October 2026 | 27 October 2026 |

## How each one earns

### HDFC Regalia

- 4 RP/₹200 · ✓ official · checked 2 October 2026

Every rule on the HDFC Regalia page: https://getbrief.cards/cards/hdfc-regalia

### HDFC Regalia Gold

- 5 RP / ₹200 from 15 May 2026 · ✓ official · checked 26 October 2026
- 5X on Nykaa/Myntra/M&S/Reliance Digital (cap 5K RP/mo) · ✓ official · checked 26 October 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 · ✓ official · checked 26 October 2026
- 5 RP / ₹200 on insurance, capped at 2,000 RP a month · ✓ official · checked 27 October 2026
- 5 RP / ₹200 on grocery, capped at 2,000 RP a month · ✓ official · checked 27 October 2026

Every rule on the HDFC Regalia Gold page: https://getbrief.cards/cards/hdfc-regalia-gold


## Questions

### What is the annual fee of HDFC Regalia and HDFC Regalia Gold?

As of 27 October 2026, HDFC Regalia: ₹2,500 + GST, waived at ₹3,00,000 spend per card year. HDFC Regalia Gold: ₹2,500 + GST, waived at ₹4,00,000 spend per card year.

### Which charges less on spend abroad, HDFC Regalia or HDFC Regalia Gold?

As of 27 October 2026, both charge a 2% markup: ₹2,360 on ₹1,00,000 spent abroad, GST included.

### Do HDFC Regalia and HDFC Regalia Gold come with airport lounge access?

As of 27 October 2026, HDFC Regalia: 8 domestic visits a year · 6 international visits a year. HDFC Regalia Gold: 12 domestic visits a year · 6 international visits a year.


## Other cards side by side

- [HDFC Regalia Gold vs HDFC Millennia](https://getbrief.cards/compare/hdfc-regalia-gold-vs-hdfc-millennia)
- [HDFC Regalia vs HDFC Millennia](https://getbrief.cards/compare/hdfc-regalia-vs-hdfc-millennia)
- [ICICI Bank Sapphiro vs HDFC Regalia Gold](https://getbrief.cards/compare/icici-sapphiro-vs-hdfc-regalia-gold)
- [HDFC Regalia Gold vs HDFC Diners Club Privilege](https://getbrief.cards/compare/hdfc-regalia-gold-vs-hdfc-diners-privilege)
- [HDFC Diners Club Black Metal vs HDFC Regalia Gold](https://getbrief.cards/compare/hdfc-diners-club-black-metal-vs-hdfc-regalia-gold)
- [Marriott Bonvoy HDFC vs HDFC Regalia Gold](https://getbrief.cards/compare/marriott-bonvoy-hdfc-vs-hdfc-regalia-gold)
- [Scapia (Federal Bank) vs HDFC Regalia Gold](https://getbrief.cards/compare/scapia-federal-vs-hdfc-regalia-gold)

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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.

Canonical: https://getbrief.cards/compare/hdfc-regalia-vs-hdfc-regalia-gold