ELIGIBILITY CRITERIA
• Indian citizenship required.
• Salaried: Age 21–60 years, minimum net monthly income criteria applicable (₹1,00,000 for Govt; ₹1,50,000 for Non-Govt).
• Self-Employed: Age 21–65 years, ITR greater than ₹18 lakh per annum.
• Not specified on the official page: exact credit score requirement.
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WELCOME BENEFITS
• Complimentary Swiggy One and MakeMyTrip (MMT) Black Gold membership as welcome benefits when you spend a specified amount early in the card life.
• Some gift vouchers included equivalent to the joining fee amount.
If spend criteria for specific welcome perks are not met, official page context suggests these are conditional.
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CARD REVIEW
The HDFC Bank Regalia Gold Credit Card is a premium option best suited for consumers with high lifestyle and travel spends who can comfortably exceed annual thresholds that unlock fee waivers and milestone perks. Its strong reward earning potential, especially on select brands and through milestone achievements, offers good value for money for frequent spenders. Lounge access and complimentary memberships add a travel-friendly touch. Limitations include a relatively high annual fee and income eligibility that may exclude lower earners. Redemption caps and foreign currency mark-up charges are also key considerations. The card offers balanced rewards for its target segment.
