HDFC Bank · Premium
HDFC Regalia Gold
travel 5% on Dining 12 lounge visits
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The bottom line
First-year value
+₹19,400.00
incl. joining fee
Ongoing / yr
+₹19,400.00
after ₹2,500.00 fee
Fee payback
~2 mo
rewards cover the fee
Why it fits: your spend is 80% in this card's accelerated categories — strongest on Dining, worth about 6 restaurant dinners a year.
Estimated on an illustrative spend profile. Use the calculator below to match your own.
What would this card earn you?
Monthly spend₹82,400
₹32,960Your spend₹1,64,800
Annual reward
₹21,900
Annual fee
₹2,500
Net value
+₹19,400
View category breakdown
Travel & Lifestyle₹5,880/yr@ 4pts/₹100
Dining₹9,120/yr@ 5%
Online Shopping₹3,552/yr@ 4pts/₹100
Groceries₹1,356/yr@ 2pts/₹100
Bills & Utilities₹864/yr@ 2pts/₹100
Fuel₹768/yr@ 2pts/₹100
Entertainment₹360/yr@ 2pts/₹100
Reward rates
Dining5 %
Travel & Lifestyle4 pts/₹100
Online Shopping4 pts/₹100
Groceries2 pts/₹100
General2 pts/₹100
Point value used in our estimate₹0.50/pt
SmartBuy flight / hotel redemption · High confidence. Registry reviewed quarterly -- last 2026-05-01, next 2026-08-01.
Key facts
Annual fee
₹2,500.00
Joining fee
₹2,500.00
Interest (p.m.)
3.49%
Forex markup
2%
Domestic lounge
12/yr
Intl lounge
6/yr
Fuel waiver
1% (₹400/mo cap)
Min CIBIL
750+
Welcome benefit
2,500 bonus points on ₹40k spend in 90 days
Key Fact Statement
As required by RBI circular RBI/2023-24/53 · auto-generated from live issuer data
RBI KFS
| Parameter | Value | Note |
|---|---|---|
| Loan/credit product | HDFC Bank HDFC Regalia Gold Credit Card | Product name |
| Annual Percentage Rate (APR) | 41.88% p.a. | Effective cost of credit on outstanding balance |
| Monthly finance charge | 3.49% per month on outstanding | Applied after interest-free period lapses |
| Interest-free period | Up to 50 days (if full due paid by due date) | No interest when bill settled in full each cycle |
| Annual fee / joining fee | ₹2,500 joining · ₹2,500 annual | Charged on first statement and each anniversary |
| Minimum amount due (MAD) | 5% of total outstanding or ₹200 (whichever is higher) | Paying only MAD incurs finance charge on remaining balance |
| Late payment charge | ₹100–₹1,300 depending on outstanding amount | Levied if MAD not paid by due date |
| Cash advance fee | 2.5% of amount or ₹500 (whichever is higher) | Plus finance charge from day of withdrawal |
| Forex markup fee | 2.00% on international / foreign-currency transactions | Over and above the card network exchange rate |
| Over-limit fee | 2.5% of over-limit amount or ₹550 (whichever is higher) | If spend exceeds sanctioned credit limit |
| Representative example | ₹10,000 outstanding for 12 months at 3.49%/month = total repayable ₹12,411 (APR 41.88%) |
Rates and charges are indicative and sourced from the issuing bank's Schedule of Charges. Actual charges are determined solely by the issuing bank at the time of sanction. This KFS is auto-generated by Naxelona and does not constitute an offer of credit. Credit is subject to the issuing bank's credit assessment and eligibility criteria.
Soft check via the RBI Account Aggregator framework — no impact on your CIBIL score.