Key Features & Benefits
- ✦5 Reward Points per ₹200 on all eligible spends
- ✦20X Reward Points on SmartBuy (select categories)
- ✦3 complimentary domestic lounge visits per quarter (spend-based: ₹60K+ previous quarter)
- ✦International lounge access via Priority Pass
- ✦Boarding Edge Program — complimentary Spa/Buffet/Hotel Upgrade/Airport Transfer (any 2 per quarter)
- ✦Complimentary Swiggy One + MMT BLACK Gold membership
- ✦Milestone vouchers worth ₹1,500 per quarter on ₹1.5L spend
- ✦Good Food Trail Program — up to 10% off at partner restaurants via Swiggy Dineout
- ✦2% forex markup — great for international travel
- ✦Travel insurance cover
- ✦Annual fee waiver on ₹4L annual spend
- ✦Emergency hospitalisation cover for international travel
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Welcome & Joining Benefits
- ✦Complimentary Swiggy One + MMT BLACK Gold membership on ₹1L spend in first 90 days
- ✦Quarterly vouchers worth ₹1,500 on ₹1.5L quarterly spend
Milestone Benefits
- ✦₹1L in 90 days → Swiggy One + MMT BLACK Gold memberships
- ✦₹1.5L per quarter → ₹1,500 voucher (₹6,000/year max)
- ✦₹4L annual spend → Annual fee waiver
Pros & Cons
✓ Advantages
- ✓Boarding Edge Program — spa/buffet/hotel upgrade per quarter is unique
- ✓Swiggy One + MMT Black Gold — covers food and travel in one card
- ✓2% forex markup — very low for a ₹2,500 fee card
- ✓Annual fee waiver at ₹4L spend is achievable
- ✓Quarterly vouchers add up to ₹6,000/year
- ✓Good for frequent domestic + international travellers
✗ Disadvantages
- ✗Domestic lounge requires ₹60K quarterly spend to unlock
- ✗5 RP/₹200 base rate lower than older Regalia (4 RP/₹150)
- ✗SmartBuy portal needed to maximise rewards
Frequently Asked Questions
What is the Boarding Edge Program?▼
It gives you 2 complimentary services per calendar quarter when you upload your boarding pass on SmartBuy: choose any 2 from Spa access, Buffet/meal, Hotel room upgrade near airport, or Airport transfer. Worth ₹1,000–₹2,000 per quarter in value.
Is the lounge access truly 3 visits per quarter?▼
Yes — 3 domestic lounge visits per quarter (12/year) provided you spend ₹60,000+ in the preceding quarter. From Jan 2025, HDFC applies this spend-gate on Regalia Gold. If quarterly spend is below ₹60K, no lounge access that quarter.
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