The HDFC Regalia Gold Credit Card is one of the most popular sub-premium credit cards from HDFC Bank. Known for its balanced reward structure, strong travel benefits, and generous airport lounge access, the card has been a preferred choice among salaried professionals and frequent travellers.
Until now, the Regalia Gold Credit Card was available only on the Mastercard network. However, HDFC Bank has now introduced the card on the RuPay SELECT network, expanding its usability and adding UPI payment support.
HDFC Regalia Gold Credit Card Launched on RuPay
With this launch, customers can now choose the RuPay variant of HDFC Regalia Gold, which allows credit card usage directly via UPI. This means users can earn reward points even on small, everyday UPI transactions.
The joining fee and annual fee remain unchanged at ₹2,500 + GST, and all existing benefits of the Regalia Gold Credit Card continue to apply to the RuPay version as well.
In addition, cardholders will also be eligible for RuPay-exclusive SELECT benefits, making the card more versatile than before.
Benefits of HDFC Regalia Gold RuPay Credit Card
Here’s a detailed look at the key benefits offered by the RuPay variant:
- Welcome voucher worth ₹2,500 on card joining
- Complimentary 1-year Swiggy One and MMTBLACK Gold membership on spending ₹1 lakh within 90 days
- Earn 4 Reward Points per ₹150 spent on all retail transactions
- Earn 5X Reward Points on Myntra, Nykaa, Reliance Digital, and Marks & Spencer
- 12 complimentary domestic airport lounge visits every year
- 6 complimentary international airport lounge visits every year
- Flight vouchers and brand gift cards worth up to ₹10,000 on achieving spend milestones
- Insurance cover of up to ₹1 crore and overseas hospitalization cover of up to ₹15 lakh
- Annual fee waiver on spending ₹4 lakh in a year
Why the RuPay Variant Matters
With UPI becoming the most widely used payment mode in India, the availability of the Regalia Gold on RuPay significantly improves the card’s everyday usability. Cardholders can now earn rewards on UPI spends that were earlier routed through bank accounts or debit cards.
Additionally, the RuPay SELECT network offers curated lifestyle and travel privileges, enhancing the overall value proposition of the card.
Bottom Line
The launch of the HDFC Regalia Gold Credit Card on the RuPay network is a timely and positive move by HDFC Bank. It combines the card’s existing premium benefits with the flexibility of UPI payments and RuPay-exclusive privileges.
For users who already like the Regalia Gold Credit Card or are looking for a well-rounded sub-premium card with travel perks and UPI rewards, the RuPay variant makes the offering even stronger.