HDFC Regalia Gold Credit Card 2025
Save up to ₹12,000+ every year on shopping, movies, travel & lounge access!
Want best all-rounder card with high rewards + travel perks? The HDFC Regalia Gold Credit Card is perfect!
Get 5X rewards on SmartBuy (Amazon/Flipkart), 12 domestic lounge visits, monthly movie BOGO, 2% forex fee, 4X on travel, 20,000 welcome points, Swiggy One membership, milestone benefits, just ₹2,500 fee (waived on ₹4L spend)!
Best card for SmartBuy shoppers + movie lovers + travelers!
Why This Is The Best Mid-Premium Card in 2025?
5X SmartBuy rewards • 12 lounge visits • Movie BOGO • 2% forex • Swiggy One • 20K welcome points • 50 days interest-free • Fee waiver on ₹4L.
Best for: SmartBuy shoppers, moviegoers, travelers, mid-high spenders
Card At a Glance
₹2,500 + GST
₹2,500 + GST (waived on ₹4L)
5X SmartBuy (Up to 4%)
2% + GST
12 Domestic/Year
Buy 1 Get 1 Free
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹2,500 + GST |
| Annual Fee | ₹2,500 + GST (waived on ₹4L spend) |
| Welcome Benefit | 20,000 Reward Points on activation |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 2% + GST |
| Interest Rate | 3.6% per month |
| Lounge Access | 12 visits/year (domestic) |
| Cash Advance Limit | 50% of credit limit |
Detailed Reward Rates (2025)
- 5X Reward Points on SmartBuy (Amazon, Flipkart, flights)
- 4X Reward Points on travel, dining, entertainment
- 2X Reward Points on all other spends
- Milestone Benefits: 12,500 RP at ₹1.5L, 12,500 at ₹3L quarterly
- 1 RP = ₹0.65 vouchers / ₹1 airmiles (1:1)
- No expiry on points
- No points on rent, wallet, fuel, education, government
Airport Lounge Access
- 12 complimentary visits/calendar year
- Domestic lounges only
- Primary + add-on cardholder
- 3 visits/quarter maximum
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹55 Lakh emergency hospitalization
- ₹9 Lakh personal accident cover
- Zero lost card liability + 3 free add-on cards
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5X SmartBuy rewards (4% value) | Fee waiver requires ₹4L spend |
| 12 lounge visits + movie BOGO | No fuel waiver |
| Low 2% forex fee | Rent/wallet excluded |
| Swiggy One membership free | 3.6% high interest rate |
| 20K welcome points (₹13K value) | Hard approval for new customers |
Eligibility Criteria & Documents Required
- Age: 21-60 years
- Min Monthly Income: ₹1,00,000 (salaried) / ₹12L ITR
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, Salary slips/ITR, Bank statements
How to Apply Online (5-Minute Process)
- Visit HDFC Bank website/app
- Check pre-approval/eligibility
- Fill details & upload documents
- Video KYC + card delivered in 7 days
Final Verdict – Should You Get It in 2025?
If you spend ₹3L+ yearly on SmartBuy + travel + movies, get ₹15,000–₹25,000 value annually. Best mid-premium card with balanced rewards – top recommendation for 2025!
Frequently Asked Questions (FAQs)
SmartBuy includes which sites?
Amazon, Flipkart, BookMyShow, MakeMyTrip, Cleartrip.
Movie BOGO details?
Buy 1 Get 1 Free up to ₹250/ticket, twice/month via BookMyShow.
Fee waiver easy?
₹4L annual spend = easy for most users.
Best redemption value?
₹1 per point on airmiles/hotels (1:1 transfer).