{
  "id": "hdfc-regalia-gold",
  "locale": "hi",
  "name": "HDFC Bank Regalia Gold Credit Card",
  "bank": "HDFC Bank",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹2,500 + GST",
  "loungeAccess": "12 घरेलू लाउंज (₹60k तिमाही खर्च शर्त) + 6 अंतरराष्ट्रीय Priority Pass",
  "rewardsRate": "बेस 1.33% · SmartBuy, Nykaa, M&S, Myntra पर 5X",
  "bestFor": "मध्यम से उच्च खर्च करने वाले, फ्लाइट माइलस्टोन वाउचर और अंतरराष्ट्रीय लाउंज चाहने वाले",
  "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": "कार्ड वर्ष के 12 बिलिंग चक्रों में ₹4 लाख खर्च पर शुल्क माफ",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "बेस अर्निंग रेट",
      "value": "1.33% (4 RP / ₹150)"
    },
    {
      "key": "पार्टनर रेट",
      "value": "5X (6.66% रिटर्न)"
    },
    {
      "key": "शुल्क माफी",
      "value": "₹4 लाख सालाना खर्च"
    },
    {
      "key": "घरेलू लाउंज",
      "value": "12 विज़िट (₹60k/तिमाही शर्त)"
    },
    {
      "key": "फॉरेक्स मार्कअप",
      "value": "2.0% + GST"
    },
    {
      "key": "फ्लाइट वाउचर",
      "value": "₹10,000 तक माइलस्टोन"
    }
  ],
  "earnRates": [
    {
      "category": "M&S, Myntra, Nykaa, Reliance Digital",
      "rate": "6.66% (20 RP / ₹150)",
      "monthlyCap": "4,000 बोनस अंक / माह",
      "perLakhSpent": "13,333 RP (₹6,666 value)"
    },
    {
      "category": "SmartBuy फ्लाइट्स और होटल्स",
      "rate": "6.66% (20 RP / ₹150)",
      "monthlyCap": "4,000 बोनस अंक / माह",
      "perLakhSpent": "13,333 RP (₹6,666 value)"
    },
    {
      "category": "सामान्य ऑनलाइन और ऑफलाइन रिटेल",
      "rate": "1.33% (4 RP / ₹150)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "2,666 RP (₹1,333 value)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "पार्टनर ब्रांड्स (Myntra, Nykaa, M&S, Reliance Digital)",
      "multiplier": "5×",
      "rate": "6.66%",
      "monthlyCap": "4,000 बोनस अंक / माह",
      "dailyCap": "—",
      "note": "स्टोर स्वाइप और ऑनलाइन खरीदारी दोनों पर लागू।"
    },
    {
      "channel": "SmartBuy ट्रैवल पोर्टल (Flights & Hotels)",
      "multiplier": "5×",
      "rate": "6.66%",
      "monthlyCap": "4,000 बोनस अंक / माह (साझा)",
      "dailyCap": "2 बुकिंग / दिन",
      "note": "सीधी फ्लाइट और होटल बुकिंग पर।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "SmartBuy फ्लाइट्स और होटल बुकिंग",
      "value": "₹0.50 / पॉइंट",
      "minPoints": "1,000 अंक",
      "ceiling": "₹50,000 / माह",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "एयर माइल्स ट्रांसफर (1:0.5 अनुपात)",
      "value": "₹0.50 / पॉइंट",
      "minPoints": "2,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 प्रति ट्रांसफर",
      "isBest": true
    },
    {
      "route": "ब्रांड वाउचर और प्रोडक्ट्स",
      "value": "₹0.35 / पॉइंट",
      "minPoints": "1,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य"
    },
    {
      "route": "स्टेटमेंट क्रेडिट (कैशबैक)",
      "value": "₹0.20 / पॉइंट",
      "minPoints": "2,500 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य"
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "वॉलेट लोड और नकद निकासी।",
    "ईंधन खरीद (1% सरचार्ज छूट लागू)।",
    "सरकारी कर और EMI कन्वर्ज़न।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹2,500 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹2,500 + GST (₹4 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "2.0% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.6% प्रति माह (43.2% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 60 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹1 लाख मासिक शुद्ध वेतन (₹12L वार्षिक)"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹12 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}