HDFC Bank Updates Regalia Gold Credit Card Lounge Access Policy

HDFC Bank has updated its Regalia Gold Credit Card lounge access policy, introducing a spend-based eligibility for domestic airport lounges starting July 1, 2026. Cardholders must now spend at least Rs 60,000 in the preceding quarter to qualify for three complimentary visits. International lounge access via Priority Pass remains unchanged with six annual visits.

HDFC Bank has revised HDFC Regalia Gold Credit Card rules for domestic airport lounge access by introducing a spend-based eligibility condition. Under the revised rules, cardholders will now have to meet a minimum spending requirement in the previous calendar quarter to continue availing complimentary domestic airport lounge access.

The bank has also clarified that there will be no voucher-based lounge access facility under the revised system.

The new rule will be applicable from the calendar quarter beginning July 1, 2026.

What is the new lounge access rule?

From July 1, 2026, customers will get three complimentary domestic airport lounge visits per calendar quarter only if they spend at least Rs 60,000 in the preceding calendar quarter using their eligible HDFC Bank credit card.

For example, if a cardholder wants to access airport lounges during the July–September 2026 quarter, they must spend Rs 60,000 or more during the April–June 2026 quarter.

How can HDFC Bank credit card holders use the domestic lounge benefit programme?

Eligible customers can directly swipe their HDFC Bank credit card at participating airport lounges once the spending condition is met.

International Priority Pass lounge rules

HDFC Bank has said that the international lounge access benefit through a Priority Pass will continue without any changes. Customers will continue to receive six complimentary international lounge visits per year without any spending criteria.

HDFC Bank Regalia Gold credit card new reward structure from May 15, 2026

For customers earning Rs 4 reward points on every Rs 150 spent in any of the qualifying categories, from May 15, 2026, their card will accrue base reward points of 5 reward points for every Rs 200 spends across eligible categories.

HDFC Bank Regalia Gold credit card Dynamic Currency Conversion (DCC)

The DCC markup will be revised to 1.75% on each international transaction carried out in Indian currency (Rs) at an international location, or transactions carried out in rupees with merchants located in India but registered in a foreign nation.

Fees & charges

HDFC Bank Regalia Gold Credit Card customers fee for joining and renewal membership fee is Rs 2,500 plus applicable taxes.

The programme allows customers to avail any 2 complimentary benefits on upload of his/her boarding pass in a calendar quarter.