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HDFC BankVisa / Mastercard • Premium Tier Source Verified

HDFC Bank Regalia Gold Credit Card Fees & MITC Charges

Premium travel & lifestyle card offering lower 2% forex markup and generous Priority Pass international lounge visits.

HDFC BANK
VISA
METAL

REGALIA GOLD

•••• •••• •••• 2026

Premium
Joining Fee
₹2,500
+ 18% GST on issuance
Annual Renewal Fee
₹2,500
Total billed: ₹2,950 incl. GST
Annual Fee Waiver Spend
₹4,00,000
Waived upon reaching annual spend
Forex Markup Fee
2%
Effective 2.36% incl. GST

Airport Lounge Access Policy (2026 Update)

Domestic Lounge Allowance:4 visit(s) per quarter
International Lounge Allowance:6 visit(s) per year (Priority Pass)
Quarterly Spend Condition:₹1,00,000 in prior quarter

Official Rule: 12 domestic lounge visits/year (subject to quarterly spend milestone) plus 6 international visits via Priority Pass.

Surcharges & Utility Caps

Fuel Surcharge:1% waiver on transactions between ₹400 and ₹5000 (up to ₹500/month).
Utility Spends:1% surcharge applies on cumulative monthly utility bill payments exceeding ₹50,000.

Key Strengths

  • •Lower 2% forex markup compared to standard 3.5%
  • •6 international Priority Pass lounge visits per year
  • •5X rewards on retail partners (Myntra, Nykaa, Reliance Digital)

Limitations & Drawbacks

  • •₹4,00,000 spend needed for annual fee waiver
  • •Domestic lounge access now requires quarterly milestone fulfillment
  • •Point redemption value drops to ₹0.20 for statement credit
Source Provenance
Primary Authority Document:Official Issuer Most Important Terms & Conditions (MITC)
Last Verified Date:2026-08-21
Regulatory Compliance:RBI Master Direction – Credit Card and Debit Card Issuance and Conduct Directions
View Official Bank MITC Apply on Official Bank Website →

Related Intelligence Tools

• Calculate Your Net Value for this Card →• Check Airport Lounge Spend Criteria →• Compare with 0% Forex Cards →• Decode Credit Card Statement Charge →

Questions about HDFC Bank Regalia Gold Credit Card charges

What is the annual fee for HDFC Bank Regalia Gold Credit Card?

The annual fee for HDFC Bank Regalia Gold Credit Card is ₹2500 + 18% GST (total ₹2950). It can be waived by spending ₹4,00,000 in the preceding card anniversary year.

What is the foreign currency (forex) markup on HDFC Bank Regalia Gold Credit Card?

HDFC Bank Regalia Gold Credit Card charges a 2% foreign currency markup fee + 18% GST on all non-INR currency transactions and foreign merchants.

Does HDFC Bank Regalia Gold Credit Card offer airport lounge access in 2026?

HDFC Bank Regalia Gold Credit Card provides 4 complimentary domestic lounge visit(s) per quarter. Under 2026 bank rules, you must spend at least ₹1,00,000 in the preceding calendar quarter to unlock complimentary access.