Dynamic currency conversion Markup Fee: With effect from 20th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.
Regalia Gold
HDFC Bank
Annual fee
₹2500
Spending abroad
2% markup
Earns more
2Airport lounge access
in the previous quarter
More from the issuer 18
Visit limits and reset periods
Lounge access: 3 domestic visits per calendar quarter on spends of ₹60,000 or more in the preceding calendar quarter
Spend ₹60,000 or more per calendar quarter to continue enjoying lounge access
(Applicable from the calendar quarter starting 1st July 2026.) Access lounge using credit card in Jul–Sep 2026 based on spends made during Apr–Jun 2026. source ↗
Spend and eligibility
Yes, Regalia Gold customers can avail lounge access without any spends criteria till June’26. Spends from April – June’26 will be considered to avail lounge access from July 1, 2026. source ↗
If customer is not eligible for lounge access basis spends or has exceeded the eligible quota of domestic airport lounge accesses as per the product feature the transaction will get declined and the same will be informed the customer by the lounge personnel.
All usage of the Participating Airport Lounges under the Program is conditional upon presentation of a valid eligible Card, and the Bank, in its sole and absolute discretion, may alter, cancel, or amend eligibility of any credit card, or card feature/benefits, at any time without prior notice.
How to enter
To use the Participating Airport Lounge, customer's Regalia Gold card must be validated at point of entry by swiping a transaction of a nominal charge.
When presenting the Priority Pass card on entering the lounge, lounge staff will either electronically scan or take an imprint of the card and issue a 'Record of Visit' voucher or receipt to the cardholder or make a log entry. The cardholder must sign the 'Record of Visit' voucher or receipt, or sign the electronic reader (as applicable), which will also reflect the exact number of accompanying guests, if any, but does not show any per person per visit charge. The charge per visit for the cardholder, where relevant, and that for any guests will be based on the 'Record of Visit' voucher/receipt/log submitted by the lounge operator. source ↗
The lounge staff, will where appropriate, make a voucher imprint/log entry of the Priority Pass card, and the cardholder is responsible for ensuring the 'Record of Visit' voucher/receipt/log correctly reflects their own usage and that of any guests at the time of using the lounge. Where applicable, the cardholder is responsible for retaining the 'Cardholder's' copy of the 'Record of Visit' voucher or receipt presented to them at the lounge. source ↗
Validity and timing
Participating Airport Lounges may reserve the right to enforce a maximum stay policy (usually 2 - 3 hours) to prevent overcrowding.
Where access works
Lounges applicable for Regalia Gold Credit Cards: for list of lounges within India To check your domestic lounge benefit entitlement details, visit LMS.HOI.IN website source ↗
Charges and exclusions
Rs. 2 reversal on card itself does not mean that lounge access has been voided.
Check the programme's lounge list for your airport and terminal. An international flight does not by itself make a lounge an overseas one.
Check HDFC Bank's current card page
Points
Make the most of this card
Plan for a spend milestone
Annual milestone of ₹ 5000 worth flight vouchers on spends of ₹ 5 lakhs and 7.5 lakhs
Use the bonus earning channel
• 5X Reward Points can be accumulated for e-com and POS transaction.
Keep the rewards you earn
The maximum reward points that can be earned in a statement cycle for Regalia Gold is 50,000.
More rules and steps
16. The maximum reward points that can be earned in a statement cycle for Regalia Gold is 50,000.
Redeem upto maximum of 70% on the travel bookings (Flights, hotels and experiences) using Reward Points.
Benefits
6Conditions apply — read the clause.
Conditions apply — read the clause.
Conditions apply — read the clause.
Earns, up to a limit
5The normal rate, until a ceiling in the terms.
capped at 50,000 reward points per month
capped at 2000 Reward Points per calendar month
capped at 2000 RP per calendar month c
capped at 2000 Reward Points per calendar month
Earns nothing
9Spend here and the terms say you earn no rewards.
Dated changes
5Dates the terms name for something changing.
Dynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied
3) Reward Points • Earn 5 Reward Points for every ₹200 spent on eligible categories. ( Effective 15th May, 2026)
Every line above is read from HDFC Bank's own published documents. Tap a line to see the clause. Before a large payment, check the linked document yourself.