Looking for a credit card that offers premium benefits without being overpriced? The HDFC Regalia Gold Credit Cardcombines lifestyle rewards, travel perks, and high-value spending privileges — making it a perfect upgrade for professionals and savvy spenders.
Through PickMyWork, you can now apply for this card easily or refer it to others and earn per successful application.
Key Features of HDFC Regalia Gold Credit Card
- Welcome Benefits – Complimentary Swiggy One and MMT Black Gold membership
- Membership Fee Payment Benefit – Pay your Joining Membership Fee and get Gift Voucher equivalent to Fee Amount = Rs.2,500
- 4 Complimentary Lounge Visits/Quarter – Available on both domestic & international airports
- Regalia Gold Rewards Program – Earn 4 reward points for every ₹150 spent
- Quarterly Milestone Benefits – Get ₹1,500 worth vouchers on quarterly spends of ₹1.5L
- Annual Milestone Benefits –₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh + an additional voucher of Rs. 5000 on spends of Rs. 7.5 lakhs
- Dining & Lifestyle Discounts – Exclusive restaurant discounts with Good Food Trail program
- Fuel Surcharge Waiver – Save on transactions up to ₹5,000/month
- Global Acceptance & Concierge Service – 24/7 concierge for travel, dining, and reservations
All of the above features are enough to make you fall in love with HDFC Regalia Gold Credit Card, but there is more…
Pros & Highlights – HDFC Regalia Gold
- Premium Travel Benefits – Lounge access + flight voucher milestones
- Rewarding Spend Structure – 4 points per ₹150 on most spends
- Milestone Vouchers – Incentives for high annual spending
- SmartBuy Platform – Up to 10X rewards on curated travel & shopping
- Insurance Coverage – Travel insurance, lost card liability, and air accident cover
Things to Keep in Mind
- Annual Fee – ₹2,500 + GST (waived if annual spend > ₹4L)
- Rewards Cap – Bonus/milestone rewards capped by spend slab
- Eligibility Criteria – Higher income/CIBIL score expected vs. entry-level cards
- No Lifetime Free Option – Best for those with moderate to high monthly expenses
Who Should Consider the HDFC Regalia Gold Credit Card?
- Working professionals who travel frequently
- Individuals with ₹25,000+ monthly spend
- Users looking for domestic + international lounge access
- People who want travel vouchers and lifestyle benefits
How to Apply via PickMyWork
- Sign up on PickMyWork
- Choose ‘HDFC Regalia Gold Credit Card’ in the app
- Apply for yourself or refer others
- Earn commission on each approved application
Apply now or start referring on PickMyWork App – Download Link – Android, iPhone
The HDFC Regalia Gold Credit Card offers serious value for anyone who travels, dines out, or shops regularly. With milestone rewards, global lounge access, and premium lifestyle privileges, it gives more than it takes — especially if you can meet the annual spend threshold for a fee waiver.
If you’re eligible or know someone who is, this card is definitely worth recommending.
FAQs – HDFC Regalia Gold Credit Card
Is the HDFC Regalia Gold a lifetime free card?
No. It has a ₹2,500 annual fee, but it’s waived if you spend ₹4L or more in a year. But if you are looking a good lifetime free credit card. Check out this link.
What are the lounge access benefits?
You get 4 complimentary domestic lounge visits and 4 international visits per calendar quarter (T&C apply).
What is the reward rate?
You earn 4 reward points per ₹150 spent, with enhanced rewards on SmartBuy platform spends.
What is the credit limit range?
Typically ₹1L to ₹5L+ based on your profile, but subject to bank approval.
Can I earn by referring this card?
Yes! If you refer it via PickMyWork and the application is approved, you’ll earn a payout. Check your app dashboard for the latest rate.
