HDFC Bank has updated the benefits and rewards structure of its Regalia Gold Credit Card.
These changes will come into effect from May 15, 2026, and will impact rewards, travel perks, and international spending charges.
New Travel Benefits: More Perks for Frequent Flyers
One of the biggest highlights is the new travel benefit program.
Cardholders who upload their boarding passes every quarter will now unlock two complimentary benefits under the Travel Edge Program.
These may include:
Free spa sessions at selected wellness centres
Complimentary airport transfers via Uber
Hotel buffet access
Room upgrades at partner hotels
The idea is to reward frequent travellers with lifestyle and travel-related perks.
Changes in Reward Points System
The reward structure is also being updated.
Earlier, users earned 4 reward points for every ₹150 spent.
Now, from May 15, 2026:
₹200 spent will earn 5 reward points
This means the earning pattern is slightly adjusted, so users may need higher spending to accumulate rewards at the same pace.
Lower Charges on International Spending
There is some relief for international transactions.
The Dynamic Currency Conversion (DCC) charge has been reduced to 1.75%.
This applies when you make payments in Indian rupees while shopping abroad or using foreign merchants.
It helps reduce extra costs on overseas spending.
Card Reissue Fee Update
If your credit card is lost or stolen, a reissue will now cost ₹199.
This is a standard replacement fee for issuing a new card.
What Is the Boarding Edge Program?
A new feature called the Boarding Edge Program has also been introduced.
It allows users to unlock travel benefits simply by uploading their boarding pass.
Here’s how it works:
Log in to the SmartBuy portal → Go to Regalia Gold Benefits → Upload Boarding Pass → Claim available benefits
This makes it easier for frequent travellers to access perks without extra steps.
Final Takeaway
The updates to the Regalia Gold Credit Card bring a mix of new travel perks, revised reward rules, and reduced international charges.
For regular travellers, these changes could add more value—but spending patterns may need adjustment to maximize benefits.
