HDFC Bank is overhauling its Regalia Gold and Diners Privilege credit cards, introducing changes that will link key benefits to customer spending. Effective May 15, the base reward structure for Regalia Gold cardholders will be revised, reducing the earn rate to 5 reward points for every ₹200 spent, compared to the previous 4 points for every ₹150. Additionally, the Dynamic Currency Conversion (DCC) fee will increase to 1.75% for international transactions. From July 1, complimentary airport lounge access will require a minimum spend of ₹60,000 in the preceding quarter for both card variants. While international lounge access remains unchanged, domestic access will now be conditional. In response to these changes, HDFC Bank is launching the 'Travel Edge' program, allowing Regalia Gold customers to enjoy two complimentary travel-related benefits per quarter, such as airport transfers and spa sessions. This strategy reflects a shift towards a spend-based value proposition, aiming to enhance engagement among frequent users but potentially reducing the appeal for those who use their cards less frequently.