{
  "id": "hdfc-regalia-gold",
  "locale": "en",
  "name": "HDFC Bank Regalia Gold Credit Card",
  "bank": "HDFC Bank",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹2,500 + GST",
  "loungeAccess": "12 Domestic (₹60k quarterly spend gated) + 6 International Priority Pass",
  "rewardsRate": "1.33% base · 5X on SmartBuy, Nykaa, M&S, Myntra",
  "bestFor": "Mid-to-premium spenders seeking flight vouchers, milestone rewards & international lounges",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/regalia-gold-credit-card",
  "aiVerdict": {
    "score": 5,
    "summary": "Its modest reward rate and low annual fee plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1.33,
  "affiliateId": "hdfc-regalia-gold",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": "2026-10-13T18:50:00Z",
    "unresolvedItems": [
      "fees.taxes",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Essential costs and benefit conditions need accepted evidence; no complete savings estimate is available"
    }
  },
  "sources": [
    "HDFC Bank — Regalia Gold product schedule of features and charges",
    "https://www.hdfc.bank.in/credit-cards/regalia-gold-credit-card/fees-and-charges",
    "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/regalia-gold-credit-card/pdfs/regalia-gold-credit-card-reward-points-t-and-cs.pdf",
    "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/cc-mitc.pdf",
    "HDFC SmartBuy portal — Regalia Gold multiplier terms"
  ],
  "feeWaiver": "Waived on ₹4 lakh retail spend within 12 billing cycles of anniversary year",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Base Earn Rate",
      "value": "1.33% (4 RP / ₹150)"
    },
    {
      "key": "Top Partner Rate",
      "value": "5X (6.66% return)"
    },
    {
      "key": "Fee Waiver",
      "value": "₹4 Lakh / year"
    },
    {
      "key": "Domestic Lounge",
      "value": "12 visits (₹60k/qtr gate)"
    },
    {
      "key": "Forex Markup",
      "value": "2.0% + GST"
    },
    {
      "key": "Flight Milestones",
      "value": "Up to ₹10,000 vouchers"
    }
  ],
  "earnRates": [
    {
      "category": "M&S, Myntra, Nykaa, Reliance Digital",
      "rate": "6.66% (20 RP / ₹150)",
      "monthlyCap": "4,000 bonus pts / month",
      "perLakhSpent": "13,333 RP (₹6,666 value)"
    },
    {
      "category": "Direct Flights & Hotels (SmartBuy)",
      "rate": "6.66% (20 RP / ₹150)",
      "monthlyCap": "4,000 bonus pts / month",
      "perLakhSpent": "13,333 RP (₹6,666 value)"
    },
    {
      "category": "General Online & Offline Retail",
      "rate": "1.33% (4 RP / ₹150)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,666 RP (₹1,333 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Retail Partners (Myntra, Nykaa, M&S, Reliance Digital)",
      "multiplier": "5×",
      "rate": "6.66%",
      "monthlyCap": "4,000 bonus pts / month",
      "dailyCap": "—",
      "note": "Valid on partner merchant POS card swipes and online portals."
    },
    {
      "channel": "SmartBuy Travel Portal (Flights & Hotels)",
      "multiplier": "5×",
      "rate": "6.66%",
      "monthlyCap": "4,000 bonus pts / month (shared)",
      "dailyCap": "2 bookings / day",
      "note": "Instant flight and hotel reservations."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "SmartBuy Flights & Hotel Bookings",
      "value": "₹0.50 / pt",
      "minPoints": "1,000 pts",
      "ceiling": "₹50,000 / month",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Air Miles Transfer (1:0.5 Ratio)",
      "value": "₹0.50 / pt",
      "minPoints": "2,000 pts",
      "ceiling": "None",
      "fee": "₹99 / transfer",
      "isBest": true
    },
    {
      "route": "Brand Vouchers & Products",
      "value": "₹0.35 / pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil"
    },
    {
      "route": "Statement Credit (Cashback)",
      "value": "₹0.20 / pt",
      "minPoints": "2,500 pts",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Rent payments via credit card apps.",
    "Wallet reloads and prepaid instruments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹5,000 transactions).",
    "Government taxes and EMI conversions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹2,500 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹2,500 + GST (Waived at ₹4 Lakh spend)"
    },
    {
      "item": "Forex Markup",
      "value": "2.0% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.6% / month (43.2% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–60 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹1 Lakh net monthly salary (₹12L per annum)"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹12 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}