Verified — 16/16 categories
HDFC · Visa
Regalia Gold
Best forShopping & Insurance
Earns13.33% effective (20 RP/₹150) on shopping — only at Marks & Spencer, Myntra, Reliance Digital, Nykaa (Regalia Gold 5X)
1st Year / Joining Fee
₹2,500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹4,00,000
annual spend
Network
Visa
HDFC
Regalia Gold
VisaWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on shopping and insurance, where it earns 13.33% effective (20 RP/₹150) (only at Marks & Spencer, Myntra, Reliance Digital, Nykaa (Regalia Gold 5X))
- Annual fee is waived at ₹4,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
ShoppingOnly at Marks & Spencer, Myntra, Reliance Digital, Nykaa (Regalia Gold 5X)13.33% effective (20 RP/₹150)
Insurance2.67% effective (4 RP/₹150)
Shopping2.67% effective (4 RP/₹150)
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | — | — | Education reward eligibility subject to direct institution payment channelDetails
|
| Insurance | 2.67% effective (4 RP/₹150) | 2,000 RP per month | Insurance rewards subject to 2,000 RP/month common capDetails
|
| Utilities | — | — | Utility rewards subject to 2,000 RP/month common capDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | — | — | Grocery rewards subject to premium 2,000 RP/month cap tierDetails
|
| Dining | — | — | HDFC verified rule for DiningDetails
|
| Food Delivery | — | — | HDFC verified rule for Food DeliveryDetails
|
| Shopping | 2.67% effective (4 RP/₹150) | — | 5X RP on Myntra, Nykaa, M&S, Reliance Digital (capped 5,000 RP/mo) · Also 13.33% effective (20 RP/₹150), only at Marks & Spencer, Myntra, Reliance Digital, Nykaa (Regalia Gold 5X)Details
|
| Travel | — | — | HDFC verified rule for TravelDetails
|
| Government | No reward | — | —Details
|
| Wallet | No reward | — | —Details
|
| Railways | — | — | Railways transactions earn standard base rewardDetails
|
| FASTag | — | — | HDFC verified rule for FASTagDetails
|
| Jewellery | — | — | HDFC verified rule for JewelleryDetails
|
| Telecom | — | — | HDFC verified rule for TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹2,500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹4,00,000
annual spend
Reward caps
- Shopping — 5,000 RP / month (per category — Shopping)
- Insurance — 2,000 RP / month (per category — Insurance)
Spending thresholds
- Spend ₹1,50,000 per calendar quarter → Quarterly ₹1,500 vouchers (Marks & Spencer, Reliance Digital, etc.) on spending ₹1.5 lakh
- Spend ₹4,00,000 per card year → annual fee waived
Key benefits
Rewards
13.33% effective (20 RP/₹150) on shopping (only at Marks & Spencer, Myntra, Reliance Digital, Nykaa (Regalia Gold 5X))
Milestone benefit
Quarterly ₹1,500 vouchers (Marks & Spencer, Reliance Digital, etc.) on spending ₹1.5 lakh
Fee waiver
Annual fee waived on ₹4,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Shopping rewards are capped at 5,000 RP / month (per category — Shopping)
- Insurance rewards are capped at 2,000 RP / month (per category — Insurance)
- No reward on: Rent, Fuel, Government, Wallet
- Spend ₹1,50,000 per calendar quarter → Quarterly ₹1,500 vouchers (Marks & Spencer, Reliance Digital, etc.) on spending ₹1.5 lakh
Who should consider this card
✓ Good fit if
- Your spending is concentrated in shopping, insurance
- You can reach the ₹4,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, fuel, government, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 2 caps · 4 no-reward categories
Caps
- Shopping — 5,000 RP / month (per category — Shopping)
- Insurance — 2,000 RP / month (per category — Insurance)
Categories with no reward or not eligible
- Rent — No reward.
- Fuel — No reward.
- Government — No reward.
- Wallet — No reward.
Milestones · 2 recorded
- Spend ₹1,50,000 per calendar quarter → benefit worth ₹1,500 — Quarterly ₹1,500 vouchers (Marks & Spencer, Reliance Digital, etc.) on spending ₹1.5 lakh.
- Spend ₹4,00,000 per card year → benefit worth ₹2,500 — Annual renewal fee waiver on spending ₹4 lakh within 12 billing cycles.
Eligibility
Bank eligibility / internal underwriting
Specifications
- Payment network: Visa
- Airport lounge: Domestic and international lounge access
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 2 areas
2 areas need further verification. None of these are counted as zero.
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-09-22
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-22
Official product page: https://www.hdfcbank.com/
Documents used