Key Features & Benefits
- ✦4 Reward Points per ₹150 on all eligible retail spends (2.67%)
- ✦10X Reward Points on SmartBuy
- ✦12 complimentary domestic lounge visits per year
- ✦6 international lounge visits per year via Priority Pass
- ✦2% forex markup fee
- ✦Complimentary Dineout Passport — 25% off at 2,000+ restaurants
- ✦Golf privilege — 2 games/month at select courses
- ✦Milestone: 10,000 bonus RPs on ₹5L annual spend
- ✦Annual fee waiver on ₹3L annual spend
- ✦Air accident insurance up to ₹1 crore
- ✦24×7 concierge services
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Welcome & Joining Benefits
- ✦2,500 bonus Reward Points on joining
- ✦Complimentary Dineout Passport membership
Milestone Benefits
- ✦₹5L annual spend → 10,000 bonus Reward Points
- ✦₹3L annual spend → Annual fee waiver
Pros & Cons
✓ Advantages
- ✓Strong lounge access — 12 domestic + 6 international
- ✓2% forex — excellent for an entry-premium card
- ✓Dineout Passport gives 25% off at 2,000+ restaurants
- ✓Annual fee waiver at just ₹3L spend — easy to achieve
- ✓Well-established card with wide merchant acceptance
✗ Disadvantages
- ✗4 RP/₹150 lower than Regalia Gold's newer structure
- ✗SmartBuy 10X capped
- ✗Lounge from 2025 may require spend gate — verify latest terms
Frequently Asked Questions
Should I get Regalia or Regalia Gold?▼
Regalia Gold is the newer, upgraded version with Boarding Edge Program, Swiggy One + MMT Black, and quarterly vouchers. If you value these benefits, Gold is better. Classic Regalia has broader lounge access (12/year fixed vs spend-gated) — useful if you can't always meet the quarterly spend threshold.
Can I transfer Regalia points to airline miles?▼
Yes — HDFC Reward Points transfer to InterMiles, Singapore Airlines KrisFlyer, and other partners via SmartBuy at 1:1 ratio. Best redemption value is ₹1/RP for airline miles.
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