Starting July 1, 2026, HDFC Bank will implement new spending requirements for its Regalia Gold Credit Card holders to maintain complimentary access to domestic airport lounges. Users must spend ₹60,000 (approximately $725 USD) in the previous calendar quarter to qualify for up to three complimentary visits in the following quarter. This change responds to the rising costs associated with increased lounge usage, as banks pay operators each time a customer accesses a lounge. While domestic lounge access will now be conditional on spending, international lounge access via Priority Pass remains unchanged, allowing six visits annually without spending requirements. Additionally, HDFC Bank has revised its rewards structure and foreign transaction fees, with the latter set at a 1.75% mark-up for eligible international transactions. Existing cardholders should assess their spending habits, as those who travel less may find it challenging to meet the new threshold, indicating a shift towards rewarding higher spending behavior among premium card users.